{
  "brand": "UBank",
  "brand_label": "UBank",
  "brand_slug": "ubank",
  "legal_entity_abn": "12004044937",
  "public_base_uri": "https://public.cdr-api.86400.com.au",
  "logo_uri": "https://www.ubank.com.au/assets/images/light/ubank-logo.svg",
  "status": "ok",
  "stale": false,
  "bank_last_updated": "2026-11-09T22:00:34Z",
  "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":5.6,"base_rate_pct":0.0,"bonus_rate_pct":5.6,"intro_rate_pct":0.9,"intro_months":4,"product_label":"Save Account","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":1000000,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k1","restrictions":["linked_account"],"record_stale":false},
      {"segment":"personal","kind":"intro","rate_pct":6.5,"base_rate_pct":0.0,"bonus_rate_pct":5.6,"intro_rate_pct":0.9,"intro_months":4,"product_label":"Save Account","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":1000000,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k1","restrictions":["linked_account"],"record_stale":false},
      {"segment":"personal","kind":"base","rate_pct":0.0,"base_rate_pct":0.0,"bonus_rate_pct":5.6,"intro_rate_pct":0.9,"intro_months":4,"product_label":"Save Account","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":1000000,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k1","restrictions":["linked_account"],"record_stale":false}
    ],
    "condition_sets": {
      "k1": [
        "grow the balance by $1 or more each month",
        "hold a Ubank Spend account",
        "open to Australian and New Zealand citizens and Australian permanent residents with an Australian residential address"
      ]
    },
    "unranked": {
      "products": 2,
      "transaction_account": 2
    }
  },
  "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": "1",
      "product_name": "Save account",
      "product_label": "Save Account",
      "product_slug": "save-account",
      "page": "/au/finance/savings-accounts/accounts/ubank/save-account/",
      "product_url": "https://www.ubank.com.au/banking/savings-account",
      "rate_correction": null,
      "interest_paid_correction": null,
      "min_balance_correction": null,
      "terms_url": "https://www.ubank.com.au/general-terms",
      "fees_url": "https://www.ubank.com.au/feesandlimits",
      "eligibility_url": null,
      "account_type": "savings",
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": "Save account",
      "bonus_is_total": true,
      "intro_is_total": false,
      "intro_is_bonus_rate": false,
      "intro_months": 4,
      "intro_conditions": [
        "Welcome Bonus for eligible new customers. Only paid when Bonus Interest criteria is met. Rates on Shared accounts may be different."
      ],
      "bonus_conditions": [
        {
          "type": "balance_grows",
          "value": 1,
          "text": "Customer must grow their total Save account balances by at least $1 each month, excluding interest credits."
        }
      ],
      "extra_bonuses": [],
      "max_bonus_balance": 1000000,
      "min_balance": null,
      "max_balance": null,
      "notice_days": null,
      "rates_at_reference_balances": {
        "10000": {
          "ongoing_pct": 5.6,
          "intro_pct": 6.5,
          "base_pct": 0.0
        },
        "50000": {
          "ongoing_pct": 5.6,
          "intro_pct": 6.5,
          "base_pct": 0.0
        },
        "250000": {
          "ongoing_pct": 5.6,
          "intro_pct": 6.5,
          "base_pct": 0.0
        }
      },
      "rankings": [
        {
          "segment": "personal",
          "kind": "ongoing",
          "balance": 10000,
          "rank": 13,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "ongoing",
          "balance": 50000,
          "rank": 12,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "ongoing",
          "balance": 250000,
          "rank": 11,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "intro",
          "balance": 10000,
          "rank": 3,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "intro",
          "balance": 50000,
          "rank": 3,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "intro",
          "balance": 250000,
          "rank": 2,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "base",
          "balance": 10000,
          "rank": 79,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "base",
          "balance": 50000,
          "rank": 79,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "base",
          "balance": 250000,
          "rank": 79,
          "of": 79
        }
      ],
      "features": {
        "card_access": false,
        "card": null,
        "digital_wallets": [],
        "osko": true,
        "payid": true,
        "payto": false,
        "bpay": false,
        "app": true,
        "notifications": true,
        "unlimited_transactions": true,
        "free_transactions": null,
        "linked_account_required": true,
        "round_up": false,
        "joint": null,
        "joint_bonus": null,
        "joint_not_for": null,
        "other": []
      },
      "feature_tags": [
        "app",
        "Osko",
        "PayID",
        "notifications",
        "unlimited transactions"
      ],
      "interest_paid": "monthly",
      "interest_calculated": null,
      "monthly_fee": null,
      "monthly_fee_note": null,
      "fees_without_amount": [],
      "age_min": 16,
      "age_max": null,
      "restrictions": [
        "linked_account"
      ],
      "who_can_open": {
        "restricted": false,
        "groups": [],
        "open_note": null
      },
      "conditions": [
        "grow the balance by $1 or more each month",
        "hold a Ubank Spend account",
        "open to Australian and New Zealand citizens and Australian permanent residents with an Australian residential address"
      ],
      "eligibility": [
        "residency: an Australian citizen or permanent resident with an Australian residential address"
      ],
      "record_stale": false,
      "source_url": "https://public.cdr-api.86400.com.au/cds-au/v1/banking/products/1",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/ubank/1.json",
      "snapshot_at": "2026-11-10T03:15:07Z",
      "bank_last_updated": "2026-11-09T22:00:34.1139192Z",
      "ranked": true,
      "unranked_reason": null,
      "row_count": 2,
      "terms_scan": {
        "scanned": "2026-11-01",
        "documents": [
          "https://www.ubank.com.au/banking/savings-account"
        ]
      }
    },
    {
      "product_id": "14",
      "product_name": "Bills account",
      "product_label": "Bills Account",
      "product_slug": "bills-account",
      "page": "/au/finance/savings-accounts/accounts/ubank/bills-account/",
      "product_url": "https://www.ubank.com.au/banking/bills-account",
      "rate_correction": null,
      "interest_paid_correction": null,
      "min_balance_correction": null,
      "terms_url": "https://www.ubank.com.au/general-terms",
      "fees_url": "https://www.ubank.com.au/feesandlimits",
      "eligibility_url": null,
      "account_type": "transaction",
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": "Bills account",
      "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": null,
        "50000": null,
        "250000": null
      },
      "rankings": [],
      "features": {
        "card_access": false,
        "card": null,
        "digital_wallets": [
          "Apple Pay, Google Pay, Samsung Pay and Garmin Pay"
        ],
        "osko": true,
        "payid": true,
        "payto": false,
        "bpay": true,
        "app": true,
        "notifications": true,
        "unlimited_transactions": true,
        "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",
        "BPAY",
        "notifications",
        "unlimited transactions",
        "wallets: Apple Pay, Google Pay, Samsung Pay and Garmin Pay"
      ],
      "interest_paid": null,
      "interest_calculated": null,
      "monthly_fee": null,
      "monthly_fee_note": null,
      "fees_without_amount": [],
      "age_min": 16,
      "age_max": null,
      "restrictions": [],
      "who_can_open": {
        "restricted": false,
        "groups": [],
        "open_note": null
      },
      "conditions": [
        "not updated by the bank since 2025-11-13, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed"
      ],
      "eligibility": [
        "residency: an Australian citizen or permanent resident with an Australian residential address"
      ],
      "record_stale": true,
      "source_url": "https://public.cdr-api.86400.com.au/cds-au/v1/banking/products/14",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/ubank/14.json",
      "snapshot_at": "2026-10-22T13:25:59Z",
      "bank_last_updated": "2025-11-13T06:00:34.2851844Z",
      "ranked": false,
      "unranked_reason": "transaction_account",
      "row_count": 0
    },
    {
      "product_id": "2",
      "product_name": "Spend account",
      "product_label": "Spend Account",
      "product_slug": "spend-account",
      "page": "/au/finance/savings-accounts/accounts/ubank/spend-account/",
      "product_url": "https://www.ubank.com.au/banking/transaction-account",
      "rate_correction": null,
      "interest_paid_correction": null,
      "min_balance_correction": null,
      "terms_url": "https://www.ubank.com.au/general-terms",
      "fees_url": "https://www.ubank.com.au/feesandlimits",
      "eligibility_url": null,
      "account_type": "transaction",
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": "Spend account",
      "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": null,
        "50000": null,
        "250000": null
      },
      "rankings": [],
      "features": {
        "card_access": false,
        "card": null,
        "digital_wallets": [
          "Apple Pay, Google Pay, Samsung Pay and Garmin Pay."
        ],
        "osko": true,
        "payid": true,
        "payto": false,
        "bpay": true,
        "app": true,
        "notifications": true,
        "unlimited_transactions": true,
        "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",
        "BPAY",
        "notifications",
        "unlimited transactions",
        "wallets: Apple Pay, Google Pay, Samsung Pay and Garmin Pay."
      ],
      "interest_paid": null,
      "interest_calculated": null,
      "monthly_fee": null,
      "monthly_fee_note": null,
      "fees_without_amount": [],
      "age_min": 16,
      "age_max": null,
      "restrictions": [],
      "who_can_open": {
        "restricted": false,
        "groups": [],
        "open_note": null
      },
      "conditions": [
        "not updated by the bank since 2025-11-13, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed"
      ],
      "eligibility": [
        "residency: an Australian citizen or permanent resident with an Australian residential address"
      ],
      "record_stale": true,
      "source_url": "https://public.cdr-api.86400.com.au/cds-au/v1/banking/products/2",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/ubank/2.json",
      "snapshot_at": "2026-10-22T13:25:59Z",
      "bank_last_updated": "2025-11-13T06:00:34.2851844Z",
      "ranked": false,
      "unranked_reason": "transaction_account",
      "row_count": 0
    }
  ],
  "rows": [
    {
      "brand": "UBank",
      "brand_label": "UBank",
      "brand_slug": "ubank",
      "legal_entity_abn": "12004044937",
      "product_id": "1",
      "product_name": "Save account",
      "product_label": "Save Account",
      "product_slug": "save-account",
      "page": "/au/finance/savings-accounts/accounts/ubank/save-account/",
      "product_url": "https://www.ubank.com.au/banking/savings-account",
      "terms_url": "https://www.ubank.com.au/general-terms",
      "account_type": "savings",
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "bonus_is_total": true,
      "intro_is_total": false,
      "intro_months": 4,
      "max_bonus_balance": 1000000,
      "min_balance": null,
      "max_balance": null,
      "notice_days": null,
      "bonus_conditions": [
        {
          "type": "balance_grows",
          "value": 1,
          "text": "Customer must grow their total Save account balances by at least $1 each month, excluding interest credits."
        }
      ],
      "interest_paid": "monthly",
      "interest_calculated": null,
      "monthly_fee": null,
      "monthly_fee_note": null,
      "age_min": 16,
      "age_max": null,
      "restrictions": [
        "linked_account"
      ],
      "conditions": [
        "grow the balance by $1 or more each month",
        "hold a Ubank Spend account",
        "open to Australian and New Zealand citizens and Australian permanent residents with an Australian residential address"
      ],
      "record_stale": false,
      "source_url": "https://public.cdr-api.86400.com.au/cds-au/v1/banking/products/1",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/ubank/1.json",
      "bank_last_updated": "2026-11-09T22:00:34.1139192Z",
      "balance_from": 0,
      "balance_to": 1000000,
      "base_rate_pct": null,
      "bonus_rate_pct": 5.6,
      "intro_rate_pct": 0.9,
      "ongoing_rate_pct": 5.6,
      "intro_total_rate_pct": 6.5,
      "rate_application": "per_tier",
      "ranked": true,
      "unranked_reason": null
    },
    {
      "brand": "UBank",
      "brand_label": "UBank",
      "brand_slug": "ubank",
      "legal_entity_abn": "12004044937",
      "product_id": "1",
      "product_name": "Save account",
      "product_label": "Save Account",
      "product_slug": "save-account",
      "page": "/au/finance/savings-accounts/accounts/ubank/save-account/",
      "product_url": "https://www.ubank.com.au/banking/savings-account",
      "terms_url": "https://www.ubank.com.au/general-terms",
      "account_type": "savings",
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "bonus_is_total": true,
      "intro_is_total": false,
      "intro_months": 4,
      "max_bonus_balance": 1000000,
      "min_balance": null,
      "max_balance": null,
      "notice_days": null,
      "bonus_conditions": [
        {
          "type": "balance_grows",
          "value": 1,
          "text": "Customer must grow their total Save account balances by at least $1 each month, excluding interest credits."
        }
      ],
      "interest_paid": "monthly",
      "interest_calculated": null,
      "monthly_fee": null,
      "monthly_fee_note": null,
      "age_min": 16,
      "age_max": null,
      "restrictions": [
        "linked_account"
      ],
      "conditions": [
        "grow the balance by $1 or more each month",
        "hold a Ubank Spend account",
        "open to Australian and New Zealand citizens and Australian permanent residents with an Australian residential address"
      ],
      "record_stale": false,
      "source_url": "https://public.cdr-api.86400.com.au/cds-au/v1/banking/products/1",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/ubank/1.json",
      "bank_last_updated": "2026-11-09T22:00:34.1139192Z",
      "balance_from": 1000000.01,
      "balance_to": null,
      "base_rate_pct": null,
      "bonus_rate_pct": 0.0,
      "intro_rate_pct": 0.0,
      "ongoing_rate_pct": 0.0,
      "intro_total_rate_pct": null,
      "rate_application": "per_tier",
      "ranked": true,
      "unranked_reason": null
    }
  ],
  "licence_shared_with": [
    "Coles Credit Cards",
    "Kogan Money Credit Cards",
    "MyCard",
    "NAB",
    "Qantas Money Credit Cards"
  ],
  "guarantee": {
    "adi": "National Australia Bank Limited",
    "abn": "12004044937",
    "shares_limit_with": [
      {
        "brand_slug": "national-australia-bank",
        "brand_label": "NAB"
      }
    ],
    "may_share_limit_with": [],
    "source": "https://www.apra.gov.au/financial-claims-scheme/banks-building-societies-and-credit-unions/list-authorised-deposit-taking"
  }
}