{
  "brand": "Up",
  "brand_label": "Up",
  "brand_slug": "up",
  "legal_entity_abn": "11068049178",
  "public_base_uri": "https://api.up.com.au",
  "logo_uri": "https://up.com.au/assets/images/logo_1000x1000.png",
  "status": "ok",
  "stale": false,
  "bank_last_updated": "2026-11-11T13:00:06Z",
  "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":5.85,"base_rate_pct":0.0,"bonus_rate_pct":5.85,"intro_rate_pct":null,"intro_months":null,"product_label":"Saver","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k1","restrictions":[],"record_stale":false},
      {"segment":"personal","kind":"intro","rate_pct":5.85,"base_rate_pct":0.0,"bonus_rate_pct":5.85,"intro_rate_pct":null,"intro_months":null,"product_label":"Saver","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k1","restrictions":[],"record_stale":false},
      {"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":"Essentials Saver","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": [
        "5 or more card purchases a month",
        "no withdrawals in the month",
        "a saver withdrawn from in the month earns the 2.00% Flow rate instead (when the card purchases are made)"
      ],
      "k2": [
        "not updated by the bank since 2026-10-12, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed",
        "from 1 March 2027 five debit card purchases a month are needed to earn the 2.00% rate",
        "for individuals over 16, personal use only"
      ]
    },
    "unranked": {
      "products": 1,
      "transaction_account": 1
    }
  },
  "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": "up-essentials",
      "product_name": "Up Essentials Saver",
      "product_label": "Essentials Saver",
      "product_slug": "essentials-saver",
      "page": "/au/finance/savings-accounts/accounts/up/essentials-saver/",
      "product_url": "https://up.com.au/pricing/",
      "rate_correction": null,
      "interest_paid_correction": null,
      "min_balance_correction": null,
      "terms_url": "https://up.com.au/product-terms/",
      "fees_url": "https://up.com.au/pricing/",
      "eligibility_url": "https://up.com.au/product-terms/#keyfeaturestable",
      "account_type": "savings",
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": "Up’s Essentials account lets you save and pay for your upcoming bills while earning up to 2.00% p.a. interest.",
      "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": "base",
          "balance": 10000,
          "rank": 47,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "base",
          "balance": 50000,
          "rank": 49,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "base",
          "balance": 250000,
          "rank": 53,
          "of": 79
        }
      ],
      "features": {
        "card_access": false,
        "card": null,
        "digital_wallets": [],
        "osko": true,
        "payid": false,
        "payto": false,
        "bpay": false,
        "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",
        "notifications",
        "unlimited transactions"
      ],
      "interest_paid": "monthly",
      "interest_calculated": "daily",
      "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 2026-10-12, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed",
        "from 1 March 2027 five debit card purchases a month are needed to earn the 2.00% rate",
        "for individuals over 16, personal use only"
      ],
      "eligibility": [],
      "record_stale": true,
      "source_url": "https://api.up.com.au/cds-au/v1/banking/products/up-essentials",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/up/up-essentials.json",
      "snapshot_at": "2026-10-22T13:26:00Z",
      "bank_last_updated": "2026-10-12T09:57:25+11:00",
      "ranked": true,
      "unranked_reason": null,
      "row_count": 1,
      "terms_scan": {
        "scanned": "2026-11-01",
        "documents": [
          "https://up.com.au/pricing/",
          "https://up.com.au/product-terms/",
          "https://up.com.au/saving/"
        ]
      }
    },
    {
      "product_id": "up-saver",
      "product_name": "Up Saver",
      "product_label": "Saver",
      "product_slug": "saver",
      "page": "/au/finance/savings-accounts/accounts/up/saver/",
      "product_url": "https://up.com.au/saving",
      "rate_correction": null,
      "interest_paid_correction": null,
      "min_balance_correction": null,
      "terms_url": "https://up.com.au/product-terms/",
      "fees_url": "https://up.com.au/pricing/",
      "eligibility_url": "https://up.com.au/product-terms/#keyfeaturestable",
      "account_type": "savings",
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": "Up Savers are free to use and pay up to 5.85% p.a. interest per month. Create up to 50 Savers that include features to support money management, like Pay Splitting and scheduled transfers.",
      "bonus_is_total": false,
      "intro_is_total": null,
      "intro_is_bonus_rate": null,
      "intro_months": null,
      "intro_conditions": [],
      "bonus_conditions": [
        {
          "type": "min_card_purchases",
          "value": 5,
          "text": "5"
        },
        {
          "type": "max_withdrawals",
          "value": 0,
          "text": "0"
        }
      ],
      "extra_bonuses": [],
      "max_bonus_balance": null,
      "min_balance": null,
      "max_balance": null,
      "notice_days": null,
      "rates_at_reference_balances": {
        "10000": {
          "ongoing_pct": 5.85,
          "intro_pct": null,
          "base_pct": 0.0
        },
        "50000": {
          "ongoing_pct": 5.85,
          "intro_pct": null,
          "base_pct": 0.0
        },
        "250000": {
          "ongoing_pct": 5.85,
          "intro_pct": null,
          "base_pct": 0.0
        }
      },
      "rankings": [
        {
          "segment": "personal",
          "kind": "ongoing",
          "balance": 10000,
          "rank": 2,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "ongoing",
          "balance": 50000,
          "rank": 2,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "ongoing",
          "balance": 250000,
          "rank": 2,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "intro",
          "balance": 10000,
          "rank": 11,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "intro",
          "balance": 50000,
          "rank": 11,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "intro",
          "balance": 250000,
          "rank": 9,
          "of": 79
        }
      ],
      "features": {
        "card_access": false,
        "card": null,
        "digital_wallets": [],
        "osko": false,
        "payid": false,
        "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"
      ],
      "interest_paid": "monthly",
      "interest_calculated": "daily",
      "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": [
        "5 or more card purchases a month",
        "no withdrawals in the month",
        "a saver withdrawn from in the month earns the 2.00% Flow rate instead (when the card purchases are made)"
      ],
      "eligibility": [],
      "record_stale": false,
      "source_url": "https://api.up.com.au/cds-au/v1/banking/products/up-saver",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/up/up-saver.json",
      "snapshot_at": "2026-11-12T02:33:54Z",
      "bank_last_updated": "2026-11-12T00:00:06+11:00",
      "ranked": true,
      "unranked_reason": null,
      "row_count": 2,
      "terms_scan": {
        "scanned": "2026-11-01",
        "documents": [
          "https://up.com.au/saving",
          "https://up.com.au/pricing/",
          "https://up.com.au/product-terms/"
        ]
      }
    },
    {
      "product_id": "up-everyday",
      "product_name": "Up Everyday Account",
      "product_label": "Everyday Account",
      "product_slug": "everyday-account",
      "page": "/au/finance/savings-accounts/accounts/up/everyday-account/",
      "product_url": "https://up.com.au/",
      "rate_correction": null,
      "interest_paid_correction": null,
      "min_balance_correction": null,
      "terms_url": "https://up.com.au/product-terms/",
      "fees_url": "https://up.com.au/pricing/",
      "eligibility_url": "https://up.com.au/product-terms/#keyfeaturestable",
      "account_type": "transaction",
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": "Up’s free everyday account for everyday use. This account comes with a debit card and supports Apple Pay and Osko.",
      "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": 0.0,
          "intro_pct": null,
          "base_pct": 0.0
        },
        "50000": {
          "ongoing_pct": 0.0,
          "intro_pct": null,
          "base_pct": 0.0
        },
        "250000": {
          "ongoing_pct": 0.0,
          "intro_pct": null,
          "base_pct": 0.0
        }
      },
      "rankings": [],
      "features": {
        "card_access": true,
        "card": null,
        "digital_wallets": [
          "Apple Pay",
          "Garmin Pay",
          "Google Pay",
          "Samsung Pay"
        ],
        "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,
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        "other": [
          "No monthly service fee.",
          "No fees for direct debits.",
          "No fees for online payments.",
          "No fees for deposits to savers.",
          "No fees for domestic ATM withdrawals or enquiries.",
          "No fees on international transactions."
        ]
      },
      "feature_tags": [
        "card",
        "app",
        "Osko",
        "PayID",
        "notifications",
        "unlimited transactions",
        "linked account required",
        "wallets: Apple Pay, Garmin Pay, Google Pay, Samsung Pay"
      ],
      "interest_paid": "monthly",
      "interest_calculated": "daily",
      "monthly_fee": null,
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      "age_max": null,
      "restrictions": [
        "linked_account"
      ],
      "who_can_open": {
        "restricted": false,
        "groups": [],
        "open_note": null
      },
      "conditions": [
        "not updated by the bank since 2026-10-19, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed"
      ],
      "eligibility": [],
      "record_stale": true,
      "source_url": "https://api.up.com.au/cds-au/v1/banking/products/up-everyday",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/up/up-everyday.json",
      "snapshot_at": "2026-10-22T13:26:00Z",
      "bank_last_updated": "2026-10-19T13:08:11+11:00",
      "ranked": false,
      "unranked_reason": "transaction_account",
      "row_count": 1
    }
  ],
  "rows": [
    {
      "brand": "Up",
      "brand_label": "Up",
      "brand_slug": "up",
      "legal_entity_abn": "11068049178",
      "product_id": "up-essentials",
      "product_name": "Up Essentials Saver",
      "product_label": "Essentials Saver",
      "product_slug": "essentials-saver",
      "page": "/au/finance/savings-accounts/accounts/up/essentials-saver/",
      "product_url": "https://up.com.au/pricing/",
      "terms_url": "https://up.com.au/product-terms/",
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      ],
      "segment": "personal",
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      ],
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    },
    {
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      "brand_label": "Up",
      "brand_slug": "up",
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      "product_name": "Up Saver",
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      "page": "/au/finance/savings-accounts/accounts/up/saver/",
      "product_url": "https://up.com.au/saving",
      "terms_url": "https://up.com.au/product-terms/",
      "account_type": "savings",
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      ],
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          "text": "5"
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        "no withdrawals in the month",
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      ],
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      "rate_application": "mixed",
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    },
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      "brand": "Up",
      "brand_label": "Up",
      "brand_slug": "up",
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      "product_name": "Up Saver",
      "product_label": "Saver",
      "product_slug": "saver",
      "page": "/au/finance/savings-accounts/accounts/up/saver/",
      "product_url": "https://up.com.au/saving",
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      ],
      "segment": "personal",
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          "text": "5"
        },
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        }
      ],
      "interest_paid": "monthly",
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      "age_min": 16,
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        "no withdrawals in the month",
        "a saver withdrawn from in the month earns the 2.00% Flow rate instead (when the card purchases are made)"
      ],
      "record_stale": false,
      "source_url": "https://api.up.com.au/cds-au/v1/banking/products/up-saver",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/up/up-saver.json",
      "bank_last_updated": "2026-11-12T00:00:06+11:00",
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      "rate_application": "mixed",
      "ranked": true,
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    },
    {
      "brand": "Up",
      "brand_label": "Up",
      "brand_slug": "up",
      "legal_entity_abn": "11068049178",
      "product_id": "up-everyday",
      "product_name": "Up Everyday Account",
      "product_label": "Everyday Account",
      "product_slug": "everyday-account",
      "page": "/au/finance/savings-accounts/accounts/up/everyday-account/",
      "product_url": "https://up.com.au/",
      "terms_url": "https://up.com.au/product-terms/",
      "account_type": "transaction",
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        "personal"
      ],
      "segment": "personal",
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      "age_min": 16,
      "age_max": null,
      "restrictions": [
        "linked_account"
      ],
      "conditions": [
        "not updated by the bank since 2026-10-19, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed"
      ],
      "record_stale": true,
      "source_url": "https://api.up.com.au/cds-au/v1/banking/products/up-everyday",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/up/up-everyday.json",
      "bank_last_updated": "2026-10-19T13:08:11+11:00",
      "balance_from": 0,
      "balance_to": null,
      "base_rate_pct": 0.0,
      "bonus_rate_pct": null,
      "intro_rate_pct": null,
      "ongoing_rate_pct": 0.0,
      "intro_total_rate_pct": null,
      "rate_application": "whole_balance",
      "ranked": false,
      "unranked_reason": "transaction_account"
    }
  ],
  "licence_shared_with": [
    "AFG Home Loans Alpha",
    "Aussie Elevate",
    "Bendigo Bank",
    "Connective Select",
    "NRMA Home Loans",
    "Qantas Money Basic/Offset Home Loans",
    "Tiimely Home"
  ],
  "guarantee": {
    "adi": "Bendigo and Adelaide Bank Limited",
    "abn": "11068049178",
    "shares_limit_with": [
      {
        "brand_slug": "bendigo-bank",
        "brand_label": "Bendigo Bank"
      }
    ],
    "may_share_limit_with": [],
    "source": "https://www.apra.gov.au/financial-claims-scheme/banks-building-societies-and-credit-unions/list-authorised-deposit-taking"
  }
}