{
  "brand": "The Mac",
  "brand_label": "The Mac",
  "brand_slug": "the-mac",
  "legal_entity_abn": "83087650244",
  "public_base_uri": "https://onlinebanking.themaccu.com.au/OpenBanking",
  "logo_uri": "https://themaccu.com.au/media/2735/logolb.png",
  "status": "ok",
  "stale": false,
  "bank_last_updated": "2026-11-01T22:06:17Z",
  "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":2.0,"base_rate_pct":2.0,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Christmas Saver","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"annually","conditions":"k1","restrictions":["christmas_club"],"record_stale":true},
      {"segment":"personal","kind":"intro","rate_pct":2.0,"base_rate_pct":2.0,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Christmas Saver","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"annually","conditions":"k1","restrictions":["christmas_club"],"record_stale":true},
      {"segment":"personal","kind":"base","rate_pct":2.0,"base_rate_pct":2.0,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Christmas Saver","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"annually","conditions":"k1","restrictions":["christmas_club"],"record_stale":true}
    ],
    "condition_sets": {
      "k1": [
        "not updated by the bank since 2026-11-02, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed",
        "a Christmas club account: withdrawals are restricted for most of the year",
        "withdrawals only 1 November to 31 January; withdrawing at other times closes the account"
      ]
    },
    "unranked": {
      "products": 11,
      "transaction_account": 3,
      "no_rate": 8
    }
  },
  "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": "S44_CHRISTMASSAVER",
      "product_name": "CHRISTMAS SAVER",
      "product_label": "Christmas Saver",
      "product_slug": "christmas-saver",
      "page": "/au/finance/savings-accounts/accounts/the-mac/christmas-saver/",
      "product_url": "https://themaccu.com.au/solutions/everyday-banking-investments/all-everyday-banking-investments/",
      "rate_correction": null,
      "interest_paid_correction": {
        "quote": "Interest Paid : Annually, calculated daily",
        "url": "https://themaccu.com.au/bank-save/savings-accounts/christmas-saver-account/",
        "checked": "2026-11-01",
        "citation": {
          "quote": "Interest Paid : Annually, calculated daily",
          "url": "https://themaccu.com.au/bank-save/savings-accounts/christmas-saver-account/#:~:text=Interest%20Paid%20%3A%20Annually%2C%20calculated%20daily",
          "document_sha256": "f79687e3739ca343aa325ce7133839925b26e6397b4e47abe84f6f47d7693091",
          "confirmed": "2026-11-13"
        }
      },
      "min_balance_correction": null,
      "terms_url": "https://themaccu.com.au/support/the-fine-print/",
      "fees_url": "https://themaccu.com.au/support/rates-fees/",
      "eligibility_url": "https://themaccu.com.au/support/the-fine-print/",
      "account_type": "savings",
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": "CHRISTMAS SAVER",
      "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": 2.0,
          "intro_pct": null,
          "base_pct": 2.0
        },
        "50000": {
          "ongoing_pct": 2.0,
          "intro_pct": null,
          "base_pct": 2.0
        },
        "250000": {
          "ongoing_pct": 2.0,
          "intro_pct": null,
          "base_pct": 2.0
        }
      },
      "rankings": [
        {
          "segment": "personal",
          "kind": "ongoing",
          "balance": 10000,
          "rank": 72,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "ongoing",
          "balance": 50000,
          "rank": 74,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "ongoing",
          "balance": 250000,
          "rank": 77,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "intro",
          "balance": 10000,
          "rank": 73,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "intro",
          "balance": 50000,
          "rank": 75,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "intro",
          "balance": 250000,
          "rank": 78,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "base",
          "balance": 10000,
          "rank": 46,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "base",
          "balance": 50000,
          "rank": 48,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "base",
          "balance": 250000,
          "rank": 52,
          "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": [
          "Access from 1st Nov to the 31st Jan each year"
        ]
      },
      "feature_tags": [
        "app",
        "Osko",
        "PayID"
      ],
      "interest_paid": "annually",
      "interest_calculated": "daily",
      "monthly_fee": null,
      "monthly_fee_note": null,
      "fees_without_amount": [],
      "age_min": null,
      "age_max": null,
      "restrictions": [
        "christmas_club"
      ],
      "who_can_open": {
        "restricted": false,
        "groups": [],
        "open_note": null
      },
      "conditions": [
        "not updated by the bank since 2026-11-02, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed",
        "a Christmas club account: withdrawals are restricted for most of the year",
        "withdrawals only 1 November to 31 January; withdrawing at other times closes the account"
      ],
      "eligibility": [],
      "record_stale": true,
      "source_url": "https://onlinebanking.themaccu.com.au/OpenBanking/cds-au/v1/banking/products/S44_CHRISTMASSAVER",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/the-mac/S44_CHRISTMASSAVER.json",
      "snapshot_at": "2026-11-05T03:32:22Z",
      "bank_last_updated": "2026-11-02T09:05:40.000+11:00",
      "ranked": true,
      "unranked_reason": null,
      "row_count": 1,
      "terms_scan": {
        "scanned": "2026-11-01",
        "documents": [
          "https://themaccu.com.au/bank-save/savings-accounts/christmas-saver-account/",
          "https://themaccu.com.au/support/rates-fees/",
          "https://themaccu.com.au/media/2729/summary-of-accounts.pdf",
          "https://themaccu.com.au/media/2719/fees-charges-1124.pdf"
        ]
      }
    },
    {
      "product_id": "S50_ESAVER",
      "product_name": "eSaver",
      "product_label": "eSaver",
      "product_slug": "esaver",
      "page": "/au/finance/savings-accounts/accounts/the-mac/esaver/",
      "product_url": "https://themaccu.com.au/bank-save/savings-accounts/esaver-account/",
      "rate_correction": null,
      "interest_paid_correction": null,
      "min_balance_correction": null,
      "terms_url": "https://themaccu.com.au/support/the-fine-print/",
      "fees_url": "https://themaccu.com.au/support/rates-fees/",
      "eligibility_url": "https://themaccu.com.au/support/the-fine-print/",
      "account_type": "savings",
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": "eSaver",
      "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": {
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          "intro_pct": null,
          "base_pct": 2.0
        },
        "50000": {
          "ongoing_pct": 2.0,
          "intro_pct": null,
          "base_pct": 2.0
        },
        "250000": {
          "ongoing_pct": 2.0,
          "intro_pct": null,
          "base_pct": 2.0
        }
      },
      "rankings": [],
      "features": {
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        "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 2026-11-02, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed",
        "$5 staff assist fee applies to staff-assisted transactions"
      ],
      "eligibility": [],
      "record_stale": true,
      "source_url": "https://onlinebanking.themaccu.com.au/OpenBanking/cds-au/v1/banking/products/S50_ESAVER",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/the-mac/S50_ESAVER.json",
      "snapshot_at": "2026-11-05T03:32:22Z",
      "bank_last_updated": "2026-11-02T09:06:17.000+11:00",
      "ranked": true,
      "unranked_reason": null,
      "row_count": 1,
      "terms_scan": {
        "scanned": "2026-11-01",
        "documents": [
          "https://themaccu.com.au/bank-save/savings-accounts/esaver-account/",
          "https://themaccu.com.au/support/rates-fees/",
          "https://themaccu.com.au/media/2729/summary-of-accounts.pdf",
          "https://themaccu.com.au/media/2719/fees-charges-1124.pdf"
        ]
      }
    },
    {
      "product_id": "S15_FREEDOMYEARS",
      "product_name": "FREEDOM YEARS",
      "product_label": "Freedom Years",
      "product_slug": "freedom-years",
      "page": "/au/finance/savings-accounts/accounts/the-mac/freedom-years/",
      "product_url": "https://themaccu.com.au/bank-save/everyday-accounts/freedom-years-account/",
      "rate_correction": null,
      "interest_paid_correction": null,
      "min_balance_correction": null,
      "terms_url": "https://themaccu.com.au/support/the-fine-print/",
      "fees_url": "https://themaccu.com.au/support/rates-fees/",
      "eligibility_url": "https://themaccu.com.au/support/the-fine-print/",
      "account_type": "transaction",
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": "FREEDOM YEARS",
      "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,
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      "max_balance": null,
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      "rates_at_reference_balances": {
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          "intro_pct": null,
          "base_pct": 0.81
        },
        "50000": {
          "ongoing_pct": 1.44,
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          "base_pct": 1.44
        },
        "250000": {
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          "intro_pct": null,
          "base_pct": 2.05
        }
      },
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        "digital_wallets": [],
        "osko": true,
        "payid": true,
        "payto": false,
        "bpay": false,
        "app": true,
        "notifications": false,
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        "linked_account_required": false,
        "round_up": false,
        "joint": null,
        "joint_bonus": null,
        "joint_not_for": null,
        "other": []
      },
      "feature_tags": [
        "card",
        "app",
        "Osko",
        "PayID"
      ],
      "interest_paid": "monthly",
      "interest_calculated": "daily",
      "monthly_fee": null,
      "monthly_fee_note": null,
      "fees_without_amount": [],
      "age_min": 65,
      "age_max": null,
      "restrictions": [
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      ],
      "who_can_open": {
        "restricted": true,
        "groups": [
          {
            "kind": "age",
            "who": "age 65 and over",
            "level": "product",
            "quote": "MIN_AGE 65",
            "source": "feed: eligibility MIN_AGE"
          }
        ],
        "open_note": null
      },
      "conditions": [
        "not updated by the bank since 2026-11-02, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed",
        "age 65 and over"
      ],
      "eligibility": [
        "age 65 and over"
      ],
      "record_stale": true,
      "source_url": "https://onlinebanking.themaccu.com.au/OpenBanking/cds-au/v1/banking/products/S15_FREEDOMYEARS",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/the-mac/S15_FREEDOMYEARS.json",
      "snapshot_at": "2026-11-05T03:32:22Z",
      "bank_last_updated": "2026-11-02T09:01:57.000+11:00",
      "ranked": false,
      "unranked_reason": "transaction_account",
      "row_count": 3
    },
    {
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      "product_label": "Mini Mac Bonus Saver",
      "product_slug": "mini-mac-bonus-saver",
      "page": "/au/finance/savings-accounts/accounts/the-mac/mini-mac-bonus-saver/",
      "product_url": "https://themaccu.com.au/solutions/youth-banking/all-youth-banking/",
      "rate_correction": null,
      "interest_paid_correction": null,
      "min_balance_correction": null,
      "terms_url": "https://themaccu.com.au/support/the-fine-print/",
      "fees_url": "https://themaccu.com.au/support/rates-fees/",
      "eligibility_url": "https://themaccu.com.au/support/the-fine-print/",
      "account_type": "savings",
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": "MINI MAC BONUS SAVER",
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      "intro_is_bonus_rate": null,
      "intro_months": null,
      "intro_conditions": [],
      "bonus_conditions": [],
      "extra_bonuses": [],
      "max_bonus_balance": null,
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        "50000": null,
        "250000": null
      },
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        "digital_wallets": [],
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        "payid": false,
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        "other": []
      },
      "feature_tags": [],
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      "age_max": 18,
      "restrictions": [
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      ],
      "who_can_open": {
        "restricted": true,
        "groups": [
          {
            "kind": "age",
            "who": "age 18 and under",
            "level": "product",
            "quote": "MAX_AGE 18",
            "source": "feed: eligibility MAX_AGE"
          }
        ],
        "open_note": null
      },
      "conditions": [
        "not updated by the bank since 2026-11-02, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed",
        "age 18 and under"
      ],
      "eligibility": [
        "age 18 and under"
      ],
      "record_stale": true,
      "source_url": "https://onlinebanking.themaccu.com.au/OpenBanking/cds-au/v1/banking/products/S16_MINIMAC",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/the-mac/S16_MINIMAC.json",
      "snapshot_at": "2026-11-05T03:32:22Z",
      "bank_last_updated": "2026-11-02T09:03:10.000+11:00",
      "ranked": false,
      "unranked_reason": "no_rate",
      "row_count": 0
    },
    {
      "product_id": "S1_SAVINGS",
      "product_name": "SAVINGS 1",
      "product_label": "Savings 1",
      "product_slug": "savings-1",
      "page": "/au/finance/savings-accounts/accounts/the-mac/savings-1/",
      "product_url": "https://themaccu.com.au/solutions/everyday-banking-investments/all-everyday-banking-investments/",
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      "interest_paid_correction": null,
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      "terms_url": "https://themaccu.com.au/support/the-fine-print/",
      "fees_url": "https://themaccu.com.au/support/rates-fees/",
      "eligibility_url": "https://themaccu.com.au/support/the-fine-print/",
      "account_type": "transaction",
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": "SAVINGS 1",
      "bonus_is_total": null,
      "intro_is_total": null,
      "intro_is_bonus_rate": null,
      "intro_months": null,
      "intro_conditions": [],
      "bonus_conditions": [],
      "extra_bonuses": [],
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      "max_balance": null,
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      "rates_at_reference_balances": {
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        },
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        },
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          "ongoing_pct": 0.0,
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        }
      },
      "rankings": [],
      "features": {
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        "digital_wallets": [],
        "osko": true,
        "payid": true,
        "payto": false,
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        "notifications": false,
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        "linked_account_required": false,
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        "other": []
      },
      "feature_tags": [
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        "app",
        "Osko",
        "PayID",
        "unlimited transactions"
      ],
      "interest_paid": "monthly",
      "interest_calculated": "daily",
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      "fees_without_amount": [],
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      },
      "conditions": [
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      ],
      "eligibility": [],
      "record_stale": true,
      "source_url": "https://onlinebanking.themaccu.com.au/OpenBanking/cds-au/v1/banking/products/S1_SAVINGS",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/the-mac/S1_SAVINGS.json",
      "snapshot_at": "2026-10-22T13:25:52Z",
      "bank_last_updated": "2026-05-20T16:05:45.000+10:00",
      "ranked": false,
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