{
  "brand": "Wise",
  "brand_label": "Wise",
  "brand_slug": "wise",
  "legal_entity_abn": "38616463855",
  "public_base_uri": "https://au-cdrbanking-pub.wise.com",
  "logo_uri": "https://wise.com/public-resources/assets/logos/wise/brand_logo.svg",
  "status": "error",
  "stale": true,
  "bank_last_updated": "2025-10-21T00:05:00Z",
  "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": [],
    "condition_sets": {},
    "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": "WiseMCA",
      "product_name": "Wise Multi Currency Account",
      "product_label": "Multi Currency Account",
      "product_slug": "multi-currency-account",
      "page": "/au/finance/savings-accounts/accounts/wise/multi-currency-account/",
      "product_url": "https://wise.com/au/multi-currency-account/",
      "rate_correction": null,
      "interest_paid_correction": null,
      "min_balance_correction": null,
      "terms_url": "https://wise.com/terms-and-conditions",
      "fees_url": "https://wise.com/au/pricing/receive",
      "eligibility_url": "https://wise.com/help/articles/2830107/getting-verified-in-australia",
      "account_type": "transaction",
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": "The Wise Multi Currency Account enables customers to send money internationally, get paid and hold money in different currencies, and spend money overseas with the Wise debit card.",
      "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": 0,
      "max_balance": null,
      "notice_days": null,
      "rates_at_reference_balances": {
        "10000": null,
        "50000": null,
        "250000": null
      },
      "rankings": [],
      "features": {
        "card_access": true,
        "card": null,
        "digital_wallets": [],
        "osko": true,
        "payid": false,
        "payto": false,
        "bpay": false,
        "app": true,
        "notifications": true,
        "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": [
        "card",
        "app",
        "Osko",
        "notifications"
      ],
      "interest_paid": null,
      "interest_calculated": null,
      "monthly_fee": null,
      "monthly_fee_note": null,
      "fees_without_amount": [
        "Daily Fee"
      ],
      "age_min": 18,
      "age_max": null,
      "restrictions": [],
      "who_can_open": {
        "restricted": false,
        "groups": [],
        "open_note": null
      },
      "conditions": [
        "not updated by the bank since 2025-10-21, 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://au-cdrbanking-pub.wise.com/cds-au/v1/banking/products/WiseMCA",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/wise/WiseMCA.json",
      "snapshot_at": "2026-10-22T13:26:03Z",
      "bank_last_updated": "2025-10-21T00:05:00Z",
      "ranked": false,
      "unranked_reason": "transaction_account",
      "row_count": 0
    }
  ],
  "rows": [],
  "licence_shared_with": [],
  "guarantee": null
}