{ "brand": "Unity Bank", "brand_label": "Unity Bank", "brand_slug": "unity-bank", "legal_entity_abn": "72087650637", "public_base_uri": "https://ibank.unity.bank/OpenBanking", "logo_uri": "https://ibank.unity.bank/OpenBanking/logo.png", "status": "ok", "stale": false, "bank_last_updated": "2026-11-01T22:41:17Z", "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. 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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": "S13_BONUS_SAVER_ACCOUNT", "product_name": "Bonus Saver Account", "product_label": "Bonus Saver Account", "product_slug": "bonus-saver-account", "page": "/au/finance/savings-accounts/accounts/unity-bank/bonus-saver-account/", "product_url": "https://www.unity.bank/savings/savings-accounts/bonus-saver-account/", "rate_correction": null, "interest_paid_correction": null, "min_balance_correction": null, "terms_url": "https://www.unity.bank/reusable-documents/disclosure-documents/account-and-access-facility-conditions-of-use/", "fees_url": "https://www.unity.bank/help/rates-fees/", "eligibility_url": "https://www.unity.bank/reusable-documents/disclosure-documents/account-and-access-facility-conditions-of-use/", "account_type": "savings", "segments": [ "personal" ], "segment": "personal", "description": "Earn bonus interest on your savings if you deposit a minimum of $100 each month, make no withdrawals or transfers in the month, and do not close the account during the month.", "bonus_is_total": false, "intro_is_total": null, "intro_is_bonus_rate": null, "intro_months": null, "intro_conditions": [], "bonus_conditions": [ { "type": "min_monthly_deposit", "value": 100, "text": "$100 deposit" }, { "type": "max_withdrawals", "value": 0, "text": "no withdrawals" } ], "extra_bonuses": [], "max_bonus_balance": null, "min_balance": null, "max_balance": null, "notice_days": null, "rates_at_reference_balances": { "10000": { "ongoing_pct": 4.85, "intro_pct": null, "base_pct": 0.1 }, "50000": { "ongoing_pct": 4.85, "intro_pct": null, "base_pct": 0.1 }, "250000": { "ongoing_pct": 4.85, "intro_pct": null, "base_pct": 0.1 } }, "rankings": [ { "segment": "personal", "kind": "ongoing", "balance": 10000, "rank": 45, "of": 79 }, { "segment": "personal", "kind": "ongoing", "balance": 50000, "rank": 45, "of": 79 }, { "segment": "personal", "kind": "ongoing", "balance": 250000, "rank": 43, "of": 79 }, { "segment": "personal", "kind": "intro", "balance": 10000, "rank": 49, "of": 79 }, { "segment": "personal", "kind": "intro", "balance": 50000, "rank": 49, "of": 79 }, { "segment": "personal", "kind": "intro", "balance": 250000, "rank": 47, "of": 79 } ], "features": { "card_access": false, "card": null, "digital_wallets": [], "osko": true, "payid": true, "payto": false, "bpay": false, "app": false, "notifications": false, "unlimited_transactions": true, "free_transactions": 9999999999, "linked_account_required": false, "round_up": false, "joint": null, "joint_bonus": null, "joint_not_for": null, "other": [ "Backed by the Government Deposit Guarantee for deposits up to $250,000" ] }, "feature_tags": [ "Osko", "PayID", "unlimited transactions", "9999999999 free transactions a month" ], "interest_paid": "daily", "interest_calculated": "daily", "monthly_fee": 5.0, "monthly_fee_note": "Members are exempt from the monthly fee if they: A) Maintain a minimum business balance of $5,000 which is the combined balance of all deposits & borrowings, a…", "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 2026-11-01, before the Reserve Bank's cash rate rise of 4 November 2026; 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