{
  "brand": "Virgin Money",
  "brand_label": "Virgin Money",
  "brand_slug": "virgin-money",
  "legal_entity_abn": "32009656740",
  "public_base_uri": "https://api.cds.virginmoney.com.au",
  "logo_uri": "https://virginmoney.com.au/content/dam/virginmoney/vma-logo.gif",
  "status": "ok",
  "stale": false,
  "bank_last_updated": "2026-11-11T21:43:57Z",
  "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": [
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      {"segment":"personal","kind":"intro","rate_pct":5.8,"base_rate_pct":0.05,"bonus_rate_pct":5.75,"intro_rate_pct":null,"intro_months":null,"product_label":"Boost Saver","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":250000,"max_balance":null,"monthly_fee":0.0,"interest_paid":"monthly","conditions":"k1","restrictions":["linked_account"],"record_stale":false},
      {"segment":"personal","kind":"base","rate_pct":0.05,"base_rate_pct":0.05,"bonus_rate_pct":5.75,"intro_rate_pct":null,"intro_months":null,"product_label":"Boost Saver","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":250000,"max_balance":null,"monthly_fee":0.0,"interest_paid":"monthly","conditions":"k1","restrictions":["linked_account"],"record_stale":false}
    ],
    "condition_sets": {
      "k1": [
        "deposit $1,000 or more each month",
        "5 or more card purchases a month",
        "the bonus needs a linked Go Account in the same name with a $1,000 monthly deposit",
        "bonus needs 5 settled Visa Debit purchases a month on the linked Go Account (direct debits and BPAY count)",
        "14 to 17 year olds get the bonus with no monthly criteria",
        "the extra 0.50% needs the Lock Saver feature, 18+ only, with 32 days' notice to withdraw"
      ]
    },
    "unranked": {
      "products": 2,
      "transaction_account": 1,
      "other_product": 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.",
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      "product_label": "Boost Saver",
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      "product_url": "https://virginmoney.com.au/bank-and-save/accounts/boost-saver.html",
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      "interest_paid_correction": null,
      "min_balance_correction": null,
      "terms_url": "https://virginmoney.com.au/help-and-support/forms-and-important-information/bank-and-save",
      "fees_url": "https://virginmoney.com.au/help-and-support/rates-and-fees/bank-and-save",
      "eligibility_url": "https://virginmoney.com.au/help-and-support/forms-and-important-information/bank-and-save",
      "account_type": "savings",
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": "Your everyday Virgin Money Go Account comes perfectly bundled with a Boost Saver - our highest interest earning savings account - to help you smash your goals sooner.",
      "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": 1000,
          "text": "Deposit $1000"
        },
        {
          "type": "min_card_purchases",
          "value": 5,
          "text": "5 purchases"
        }
      ],
      "extra_bonuses": [
        {
          "rate_pct": 0.5,
          "balance_from": 0,
          "balance_to": 250000,
          "conditions": [
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          ]
        }
      ],
      "max_bonus_balance": 250000,
      "min_balance": null,
      "max_balance": null,
      "notice_days": null,
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          "base_pct": 0.05
        },
        "50000": {
          "ongoing_pct": 5.8,
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          "base_pct": 0.05
        },
        "250000": {
          "ongoing_pct": 5.8,
          "intro_pct": null,
          "base_pct": 0.05
        }
      },
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          "segment": "personal",
          "kind": "ongoing",
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          "rank": 3,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "ongoing",
          "balance": 50000,
          "rank": 3,
          "of": 79
        },
        {
          "segment": "personal",
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          "rank": 3,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "intro",
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          "rank": 12,
          "of": 79
        },
        {
          "segment": "personal",
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          "rank": 12,
          "of": 79
        },
        {
          "segment": "personal",
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          "balance": 250000,
          "rank": 11,
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        },
        {
          "segment": "personal",
          "kind": "base",
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          "rank": 76,
          "of": 79
        },
        {
          "segment": "personal",
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          "of": 79
        },
        {
          "segment": "personal",
          "kind": "base",
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          "rank": 77,
          "of": 79
        }
      ],
      "features": {
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        "payto": false,
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        "free_transactions": null,
        "linked_account_required": true,
        "round_up": false,
        "joint": null,
        "joint_bonus": null,
        "joint_not_for": null,
        "other": [
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        ]
      },
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        "linked account required"
      ],
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      "interest_calculated": "daily",
      "monthly_fee": 0.0,
      "monthly_fee_note": null,
      "fees_without_amount": [
        "Currency Conversion"
      ],
      "age_min": 14,
      "age_max": null,
      "restrictions": [
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      ],
      "who_can_open": {
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        "groups": [],
        "open_note": null
      },
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        "deposit $1,000 or more each month",
        "5 or more card purchases a month",
        "the bonus needs a linked Go Account in the same name with a $1,000 monthly deposit",
        "bonus needs 5 settled Visa Debit purchases a month on the linked Go Account (direct debits and BPAY count)",
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        "the extra 0.50% needs the Lock Saver feature, 18+ only, with 32 days' notice to withdraw"
      ],
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      "record_stale": false,
      "source_url": "https://api.cds.virginmoney.com.au/cds-au/v1/banking/products/36906e88-5c03-ee11-8f6e-00224814d330",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/virgin-money/36906e88-5c03-ee11-8f6e-00224814d330.json",
      "snapshot_at": "2026-11-13T01:42:51Z",
      "bank_last_updated": "2026-11-11T21:43:53Z",
      "ranked": true,
      "unranked_reason": null,
      "row_count": 2,
      "terms_scan": {
        "scanned": "2026-11-01",
        "documents": [
          "https://virginmoney.com.au/bank-and-save/accounts/boost-saver.html",
          "https://virginmoney.com.au/help-and-support/rates-and-fees/bank-and-save",
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      "product_name": "Virgin Money Grow Saver",
      "product_label": "Grow Saver",
      "product_slug": "grow-saver",
      "page": "/au/finance/savings-accounts/accounts/virgin-money/grow-saver/",
      "product_url": "https://virginmoney.com.au/bank-and-save/accounts/grow-saver",
      "rate_correction": null,
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      "fees_url": "https://virginmoney.com.au/help-and-support/rates-and-fees/bank-and-save",
      "eligibility_url": "https://virginmoney.com.au/help-and-support/forms-and-important-information/bank-and-save",
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      "segment": "personal",
      "description": "If you don't need an everyday bank account, but you're after the benefit of a dedicated high interest savings account, a Grow Saver has your name all over it.",
      "bonus_is_total": false,
      "intro_is_total": null,
      "intro_is_bonus_rate": null,
      "intro_months": null,
      "intro_conditions": [],
      "bonus_conditions": [
        {
          "type": "other",
          "value": null,
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        }
      ],
      "extra_bonuses": [
        {
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          "balance_from": 0,
          "balance_to": 250000,
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          ]
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      ],
      "max_bonus_balance": 250000,
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}