{ "brand": "The Capricornian", "brand_label": "The Capricornian", "brand_slug": "the-capricornian", "legal_entity_abn": "54087650940", "public_base_uri": "https://public.cdr.onlinebanking.capricornian.com.au", "logo_uri": "https://www.capricornian.com.au/app/uploads/2025/11/TCB_Nimo_logo-300x117.png", "status": "ok", "stale": false, "bank_last_updated": "2026-10-22T06:23:58Z", "at_a_glance": { "note": "This bank's best savings rate per customer segment (personal, smsf, business) and rate kind (ongoing: the conditional rate, bonus conditions met; intro: in the introductory period; base: the base rate, no conditions met), one line each: the highest of the bank's own entries in the best/{segment}/{kind}/{balance}.json slices (age-limited, pensioner, occupation-limited, organisation-only and adviser-platform accounts left out, as there), so it matches best/ and top/; a bank with no entry there for a segment and kind takes its entry from entries_all. reference_balances are the slice balances where it is the bank's entry; the rate is at the first of them. conditions is a key into condition_sets. unranked counts the products no slice ranks, by reason. Every product and rate row follows in products and rows.", "rates": [ {"segment":"personal","kind":"ongoing","rate_pct":5.0,"base_rate_pct":0.1,"bonus_rate_pct":4.9,"intro_rate_pct":null,"intro_months":null,"product_label":"Bonus Saver Account","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":250000,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k1","restrictions":[],"record_stale":true}, {"segment":"personal","kind":"intro","rate_pct":5.0,"base_rate_pct":0.1,"bonus_rate_pct":4.9,"intro_rate_pct":null,"intro_months":null,"product_label":"Bonus Saver Account","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":250000,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k1","restrictions":[],"record_stale":true}, {"segment":"personal","kind":"base","rate_pct":0.6,"base_rate_pct":0.6,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"iSaver","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k2","restrictions":[],"record_stale":true} ], "condition_sets": { "k1": [ "not updated by the bank since 2026-10-08, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "0.10% interest is applied to the entirety of the balance regardless of whether or not the bonus criteria is met. Atleast $100 has to be deposited throughout th…", "No Direct Debits. Direct Debits are unable to be setup to the Bonus Saver Account.", "the $100 monthly deposit must come from outside or another account in the same membership; interest paid does not count", "you must become a member and subscribe for a member share before opening the account" ], "k2": [ "not updated by the bank since 2026-10-08, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "You will need to become a member of the Credit Union before we can issue The Capricornian Account and Access Facility to you" ] }, "unranked": { "products": 5, "transaction_account": 5 } }, "source": "Consumer Data Right Product Reference Data APIs (public, unauthenticated), transaction and savings accounts category", "licence_note": "Rates are published by each bank under the Consumer Data Right as public Product Reference Data and are reproduced here as reference data with the source URL and the bank's own last-updated timestamp on every row. Rates change without notice; bonus interest is paid only in the months the account's conditions are met; check the bank's page before acting. This is not financial advice.", "products": [ { "product_id": "57f2a9d4-5498-490f-82ea-61dff8720cS3", "product_name": "Bonus Saver Account", "product_label": "Bonus Saver Account", "product_slug": "bonus-saver-account", "page": "/au/finance/savings-accounts/accounts/the-capricornian/bonus-saver-account/", "product_url": "https://www.capricornian.com.au/banking/bonus-saver-account/", "rate_correction": null, "interest_paid_correction": null, "min_balance_correction": null, "terms_url": "https://www.capricornian.com.au/about-us/product-rate-fee-disclosures/", "fees_url": "https://www.capricornian.com.au/about-us/product-rate-fee-disclosures/", "eligibility_url": "https://www.capricornian.com.au/about-us/reports-policies-disclosures/target-market-determinations/", "account_type": "savings", "segments": [ "personal" ], "segment": "personal", "description": "A high interest savings account offering monthly bonus interest upon meeting all the criteria and performing no debits on the account for the entirety of the calendar month.", "bonus_is_total": false, "intro_is_total": null, "intro_is_bonus_rate": null, "intro_months": null, "intro_conditions": [], "bonus_conditions": [ { "type": "other", "value": null, "text": "0.10% interest is applied to the entirety of the balance regardless of whether or not the bonus criteria is met. Atleast $100 has to be deposited throughout the month, No Debits/Withdrawals at all on the account during the month, Account to stay open throughout the entire duration of the calendar month. Bonus Interest is only paid up to $250,000 of the balance of the account." } ], "extra_bonuses": [], "max_bonus_balance": 250000, "min_balance": null, "max_balance": null, "notice_days": null, "rates_at_reference_balances": { "10000": { "ongoing_pct": 4.95, "intro_pct": null, "base_pct": 0.1 }, "50000": { "ongoing_pct": 4.99, "intro_pct": null, "base_pct": 0.1 }, "250000": { "ongoing_pct": 5.0, "intro_pct": null, "base_pct": 0.1 } }, "rankings": [ { "segment": "personal", "kind": "ongoing", "balance": 10000, "rank": 43, "of": 79 }, { "segment": "personal", "kind": "ongoing", "balance": 50000, "rank": 42, "of": 79 }, { "segment": "personal", "kind": "ongoing", "balance": 250000, "rank": 40, "of": 79 }, { "segment": "personal", "kind": "intro", "balance": 10000, "rank": 47, "of": 79 }, { "segment": "personal", "kind": "intro", "balance": 50000, "rank": 46, "of": 79 }, { "segment": "personal", "kind": "intro", "balance": 250000, "rank": 44, "of": 79 } ], "features": { "card_access": false, "card": null, "digital_wallets": [], "osko": true, "payid": true, "payto": false, "bpay": false, "app": true, "notifications": false, "unlimited_transactions": false, "free_transactions": null, "linked_account_required": false, "round_up": false, "joint": null, "joint_bonus": null, "joint_not_for": null, "other": [] }, "feature_tags": [ "app", "Osko", "PayID" ], "interest_paid": "monthly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "fees_without_amount": [], "age_min": null, "age_max": null, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "conditions": [ "not updated by the bank since 2026-10-08, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "0.10% interest is applied to the entirety of the balance regardless of whether or not the bonus criteria is met. Atleast $100 has to be deposited throughout th…", "No Direct Debits. Direct Debits are unable to be setup to the Bonus Saver Account.", "the $100 monthly deposit must come from outside or another account in the same membership; interest paid does not count", "you must become a member and subscribe for a member share before opening the account" ], "eligibility": [ "No Direct Debits. Direct Debits are unable to be setup to the Bonus Saver Account." ], "record_stale": true, "source_url": "https://public.cdr.onlinebanking.capricornian.com.au/cds-au/v1/banking/products/57f2a9d4-5498-490f-82ea-61dff8720cS3", "source_snapshot": "/au/finance/savings-accounts/v1/source/the-capricornian/57f2a9d4-5498-490f-82ea-61dff8720cS3.json", "snapshot_at": "2026-10-22T13:25:51Z", "bank_last_updated": "2026-10-08T20:00:00.463202Z", "ranked": true, "unranked_reason": null, "row_count": 3, "terms_scan": { "scanned": "2026-11-01", "documents": [ "https://www.capricornian.com.au/banking/bonus-saver-account/", "https://www.capricornian.com.au/about-us/product-rate-fee-disclosures/", "https://www.capricornian.com.au/app/uploads/2026/06/FINAL-Conditions-of-Use-Clean.pdf" ] } }, { "product_id": "56e90b70-9407-4dfe-ada8-d3396fa01c2a", "product_name": "Everyday Saver Account", "product_label": "Everyday Saver Account", "product_slug": "everyday-saver-account", "page": "/au/finance/savings-accounts/accounts/the-capricornian/everyday-saver-account/", "product_url": "https://www.capricornian.com.au/banking/e-saver-banking-account/", "rate_correction": null, "interest_paid_correction": null, "min_balance_correction": null, "terms_url": "https://www.capricornian.com.au/conditions-of-use/", "fees_url": "https://www.capricornian.com.au/about-us/product-rate-fee-disclosures/", "eligibility_url": "https://www.capricornian.com.au/banking/e-saver-banking-account/", "account_type": "savings", "segments": [ "personal" ], "segment": "personal", "description": "An account with anytime access that rewards you with interest, as well as provides branch and staff assisted withdrawals and transfers.", "bonus_is_total": null, "intro_is_total": null, "intro_is_bonus_rate": null, "intro_months": null, "intro_conditions": [], "bonus_conditions": [], "extra_bonuses": [], "max_bonus_balance": null, "min_balance": null, "max_balance": null, "notice_days": null, "rates_at_reference_balances": { "10000": { "ongoing_pct": 0.1, "intro_pct": null, "base_pct": 0.1 }, "50000": { "ongoing_pct": 0.1, "intro_pct": null, "base_pct": 0.1 }, "250000": { "ongoing_pct": 0.1, "intro_pct": null, "base_pct": 0.1 } }, "rankings": [], "features": { "card_access": false, "card": null, "digital_wallets": [], "osko": true, "payid": true, "payto": false, "bpay": true, "app": true, "notifications": true, "unlimited_transactions": false, "free_transactions": null, "linked_account_required": false, "round_up": false, "joint": null, "joint_bonus": null, "joint_not_for": null, "other": [ "Account sweep available Our sweep service automatically transfers funds from certain savi…" ] }, "feature_tags": [ "app", "Osko", "PayID", "BPAY", "notifications" ], "interest_paid": "monthly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "fees_without_amount": [], "age_min": null, "age_max": null, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "conditions": [ "not updated by the bank since 2026-10-22, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "You will need to become a member of the Credit Union before we can issue The Capricornian Account and Access Facility to you" ], "eligibility": [ "You will need to become a member of the Credit Union before we can issue The Capricornian Account and Access Facility to you", "residency: Individuals must be citizens or permanent residents of Australia." ], "record_stale": true, "source_url": "https://public.cdr.onlinebanking.capricornian.com.au/cds-au/v1/banking/products/56e90b70-9407-4dfe-ada8-d3396fa01c2a", "source_snapshot": "/au/finance/savings-accounts/v1/source/the-capricornian/56e90b70-9407-4dfe-ada8-d3396fa01c2a.json", "snapshot_at": "2026-10-22T13:25:51Z", "bank_last_updated": "2026-10-22T06:16:25.439299Z", "ranked": true, "unranked_reason": null, "row_count": 1, "terms_scan": { "scanned": "2026-11-01", "documents": [ "https://www.capricornian.com.au/banking/e-saver-banking-account/", "https://www.capricornian.com.au/about-us/product-rate-fee-disclosures/", "https://www.capricornian.com.au/app/uploads/2026/06/FINAL-Conditions-of-Use-Clean.pdf" ] } }, { "product_id": "33563233-c746-4110-b19e-2dbe984248fd", "product_name": "iSaver", "product_label": "iSaver", "product_slug": "isaver", "page": "/au/finance/savings-accounts/accounts/the-capricornian/isaver/", "product_url": "https://www.capricornian.com.au/banking/i-saver-banking-account/", "rate_correction": null, "interest_paid_correction": null, "min_balance_correction": null, "terms_url": "https://www.capricornian.com.au/conditions-of-use/", "fees_url": "https://www.capricornian.com.au/about-us/product-rate-fee-disclosures/", "eligibility_url": "https://www.capricornian.com.au/about-us/reports-policies-disclosures/target-market-determinations/", "account_type": "savings", "segments": [ "personal" ], "segment": "personal", "description": "An internet-based savings account to help reach your saving goals faster. This online account provides anytime access and rewards you with interest. As an added bonus, the iSaver can be used as an offset account for eligible home loan products to help reduce the monthly interest on your loan.", "bonus_is_total": null, "intro_is_total": null, "intro_is_bonus_rate": null, "intro_months": null, "intro_conditions": [], "bonus_conditions": [], "extra_bonuses": [], "max_bonus_balance": null, "min_balance": null, "max_balance": null, "notice_days": null, "rates_at_reference_balances": { "10000": { "ongoing_pct": 0.45, "intro_pct": null, "base_pct": 0.45 }, "50000": { "ongoing_pct": 0.6, "intro_pct": null, "base_pct": 0.6 }, "250000": { "ongoing_pct": 0.6, "intro_pct": null, "base_pct": 0.6 } }, "rankings": [ { "segment": "personal", "kind": "base", "balance": 10000, "rank": 67, "of": 79 }, { "segment": "personal", "kind": "base", "balance": 50000, "rank": 65, "of": 79 }, { "segment": "personal", "kind": "base", "balance": 250000, "rank": 65, "of": 79 } ], "features": { "card_access": false, "card": null, "digital_wallets": [], "osko": true, "payid": true, "payto": false, "bpay": true, "app": true, "notifications": true, "unlimited_transactions": false, "free_transactions": null, "linked_account_required": false, "round_up": false, "joint": null, "joint_bonus": null, "joint_not_for": null, "other": [ "Account sweep available Our sweep service automatically transfers funds from certain savi…" ] }, "feature_tags": [ "app", "Osko", "PayID", "BPAY", "notifications" ], "interest_paid": "monthly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "fees_without_amount": [], "age_min": null, "age_max": null, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "conditions": [ "not updated by the bank since 2026-10-08, before the Reserve Bank's cash rate rise of 4 November 2026; 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