{
  "brand": "Woolworths Team Bank",
  "brand_label": "Woolworths Team Bank",
  "brand_slug": "woolworths-team-bank",
  "legal_entity_abn": "67087651803",
  "public_base_uri": "https://online.woolworthsteambank.com.au/OpenBanking",
  "logo_uri": "https://woolworthsteambank.com.au/wp-content/uploads/2021/06/wp-log-top-navi-logo.png",
  "status": "ok",
  "stale": false,
  "bank_last_updated": "2026-07-07T07:48:53Z",
  "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":4.9,"base_rate_pct":0.1,"bonus_rate_pct":4.8,"intro_rate_pct":null,"intro_months":null,"product_label":"Bonus Saver Account","account_type":"savings","reference_balances":[10000,50000],"max_bonus_balance":100000,"max_balance":100000,"monthly_fee":null,"interest_paid":"monthly","conditions":"k1","restrictions":["occupation_membership"],"record_stale":true},
      {"segment":"personal","kind":"intro","rate_pct":4.9,"base_rate_pct":0.1,"bonus_rate_pct":4.8,"intro_rate_pct":null,"intro_months":null,"product_label":"Bonus Saver Account","account_type":"savings","reference_balances":[10000,50000],"max_bonus_balance":100000,"max_balance":100000,"monthly_fee":null,"interest_paid":"monthly","conditions":"k1","restrictions":["occupation_membership"],"record_stale":true},
      {"segment":"personal","kind":"base","rate_pct":2.1,"base_rate_pct":2.1,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Christmas","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"annually","conditions":"k2","restrictions":["christmas_club","occupation_membership"],"record_stale":true}
    ],
    "condition_sets": {
      "k1": [
        "not updated by the bank since 2026-07-07, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed",
        "Membership is open to team members of Woolworths and Endeavour Groups, their immediate family members, and those with an affinity to Woolworths Group.",
        "Membership limited to Woolworths Group and Endeavour Group team members and their families (the bank's membership form)",
        "bonus needs a deposit of at least $100 each month and no withdrawals; otherwise only the 0.10% base rate is paid that month",
        "the portion of the balance above $100,000 earns only the base rate",
        "members aged 18 and over living in australia as citizens, permanent residents or on a relevant work visa",
        "only one bonus saver per customer, solely or jointly owned"
      ],
      "k2": [
        "not updated by the bank since 2026-04-01, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed",
        "a Christmas club account: withdrawals are restricted for most of the year",
        "Membership is open to team members of Woolworths and Endeavour Groups, their immediate family members, and those with an affinity to Woolworths Group",
        "Membership limited to Woolworths Group and Endeavour Group team members and their families (the bank's membership form)",
        "funds can be withdrawn only between 1 November and 31 December"
      ]
    },
    "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": "S26",
      "product_name": "Bonus Saver Account",
      "product_label": "Bonus Saver Account",
      "product_slug": "bonus-saver-account",
      "page": "/au/finance/savings-accounts/accounts/woolworths-team-bank/bonus-saver-account/",
      "product_url": "https://woolworthsteambank.com.au/savings/",
      "rate_correction": null,
      "interest_paid_correction": null,
      "min_balance_correction": null,
      "terms_url": "https://woolworthsteambank.com.au/savings/",
      "fees_url": "https://woolworthsteambank.com.au/wp-content/uploads/2025/06/PDS-Fees-Charges-Transaction-Limits_07.2025_FINAL.pdf",
      "eligibility_url": "https://woolworthsteambank.com.au/savings/",
      "account_type": "savings",
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": "Bonus Saver Account",
      "bonus_is_total": false,
      "intro_is_total": null,
      "intro_is_bonus_rate": null,
      "intro_months": null,
      "intro_conditions": [],
      "bonus_conditions": [],
      "extra_bonuses": [],
      "max_bonus_balance": 100000,
      "min_balance": null,
      "max_balance": 100000,
      "notice_days": null,
      "rates_at_reference_balances": {
        "10000": {
          "ongoing_pct": 4.9,
          "intro_pct": null,
          "base_pct": 0.1
        },
        "50000": {
          "ongoing_pct": 4.9,
          "intro_pct": null,
          "base_pct": 0.1
        },
        "250000": null
      },
      "rankings": [
        {
          "segment": "personal",
          "kind": "ongoing",
          "balance": 10000,
          "rank": 60,
          "of": 91,
          "hidden_by_default": true
        },
        {
          "segment": "personal",
          "kind": "ongoing",
          "balance": 50000,
          "rank": 56,
          "of": 91,
          "hidden_by_default": true
        },
        {
          "segment": "personal",
          "kind": "intro",
          "balance": 10000,
          "rank": 64,
          "of": 91,
          "hidden_by_default": true
        },
        {
          "segment": "personal",
          "kind": "intro",
          "balance": 50000,
          "rank": 60,
          "of": 91,
          "hidden_by_default": true
        }
      ],
      "features": {
        "card_access": false,
        "card": null,
        "digital_wallets": [],
        "osko": false,
        "payid": false,
        "payto": false,
        "bpay": false,
        "app": false,
        "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": [],
      "interest_paid": "monthly",
      "interest_calculated": "daily",
      "monthly_fee": null,
      "monthly_fee_note": null,
      "fees_without_amount": [],
      "age_min": null,
      "age_max": null,
      "restrictions": [
        "occupation_membership"
      ],
      "who_can_open": {
        "restricted": true,
        "groups": [
          {
            "kind": "occupation",
            "who": "Membership limited to Woolworths Group and Endeavour Group team members and their families (the bank's membership form)",
            "level": "bank",
            "quote": "I'm a Woolworths Group or Endeavour Group team member",
            "source": "https://woolworthsteambank.snapforms.com.au/form/membership-form",
            "citation": {
              "quote": "I'm a Woolworths Group or Endeavour Group team member",
              "url": "https://woolworthsteambank.snapforms.com.au/form/membership-form#:~:text=I%27m%20a%20Woolworths%20Group%20or%20Endeavour%20Group%20team%20member",
              "document_sha256": "12bffa1b299eb72110e04d05e2ede117091e78c904cedee41cf58d5a6c85750f",
              "confirmed": "2026-11-13"
            }
          }
        ],
        "open_note": null
      },
      "conditions": [
        "not updated by the bank since 2026-07-07, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed",
        "Membership is open to team members of Woolworths and Endeavour Groups, their immediate family members, and those with an affinity to Woolworths Group.",
        "Membership limited to Woolworths Group and Endeavour Group team members and their families (the bank's membership form)",
        "bonus needs a deposit of at least $100 each month and no withdrawals; otherwise only the 0.10% base rate is paid that month",
        "the portion of the balance above $100,000 earns only the base rate",
        "members aged 18 and over living in australia as citizens, permanent residents or on a relevant work visa",
        "only one bonus saver per customer, solely or jointly owned"
      ],
      "eligibility": [
        "Membership is open to team members of Woolworths and Endeavour Groups, their immediate family members, and those with an affinity to Woolworths Group."
      ],
      "record_stale": true,
      "source_url": "https://online.woolworthsteambank.com.au/OpenBanking/cds-au/v1/banking/products/S26",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/woolworths-team-bank/S26.json",
      "snapshot_at": "2026-10-22T13:26:05Z",
      "bank_last_updated": "2026-07-07T17:48:53.000+10:00",
      "ranked": true,
      "unranked_reason": null,
      "row_count": 2,
      "terms_scan": {
        "scanned": "2026-11-01",
        "documents": [
          "https://woolworthsteambank.com.au/bonus-saver-account/",
          "https://woolworthsteambank.com.au/savings/",
          "https://woolworthsteambank.com.au/disclosure-statements/",
          "https://woolworthsteambank.com.au/our-interest-rates/",
          "https://woolworthsteambank.com.au/wp-content/uploads/2026/09/PDS_Fees_Charges_Transaction_Limits_2026_08.pdf"
        ]
      }
    },
    {
      "product_id": "S2",
      "product_name": "CHRISTMAS",
      "product_label": "Christmas",
      "product_slug": "christmas",
      "page": "/au/finance/savings-accounts/accounts/woolworths-team-bank/christmas/",
      "product_url": "https://woolworthsteambank.com.au/savings/",
      "rate_correction": null,
      "interest_paid_correction": {
        "quote": "Interest Income Calculated daily, paid annually",
        "url": "https://woolworthsteambank.com.au/christmas-club-account/",
        "checked": "2026-11-01",
        "citation": {
          "quote": "Interest Income Calculated daily, paid annually",
          "url": "https://woolworthsteambank.com.au/christmas-club-account/#:~:text=Interest%20Income%20Calculated%20daily%2C%20paid%20annually",
          "document_sha256": "68a0b20edcc929089a470de465884a742dd7fa460994aa47775dd77eb5cd6616",
          "confirmed": "2026-11-13"
        }
      },
      "min_balance_correction": null,
      "terms_url": "https://woolworthsteambank.com.au/savings/",
      "fees_url": "https://woolworthsteambank.com.au/wp-content/uploads/2025/06/PDS-Fees-Charges-Transaction-Limits_07.2025_FINAL.pdf",
      "eligibility_url": "https://woolworthsteambank.com.au/savings/",
      "account_type": "savings",
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": "CHRISTMAS",
      "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": 2.1,
          "intro_pct": null,
          "base_pct": 2.1
        },
        "50000": {
          "ongoing_pct": 2.1,
          "intro_pct": null,
          "base_pct": 2.1
        },
        "250000": {
          "ongoing_pct": 2.1,
          "intro_pct": null,
          "base_pct": 2.1
        }
      },
      "rankings": [
        {
          "segment": "personal",
          "kind": "ongoing",
          "balance": 250000,
          "rank": 87,
          "of": 91,
          "hidden_by_default": true
        },
        {
          "segment": "personal",
          "kind": "intro",
          "balance": 250000,
          "rank": 88,
          "of": 91,
          "hidden_by_default": true
        },
        {
          "segment": "personal",
          "kind": "base",
          "balance": 10000,
          "rank": 64,
          "of": 91,
          "hidden_by_default": true
        },
        {
          "segment": "personal",
          "kind": "base",
          "balance": 50000,
          "rank": 65,
          "of": 91,
          "hidden_by_default": true
        },
        {
          "segment": "personal",
          "kind": "base",
          "balance": 250000,
          "rank": 73,
          "of": 91,
          "hidden_by_default": true
        }
      ],
      "features": {
        "card_access": false,
        "card": null,
        "digital_wallets": [],
        "osko": false,
        "payid": false,
        "payto": false,
        "bpay": false,
        "app": false,
        "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": [],
      "interest_paid": "annually",
      "interest_calculated": "daily",
      "monthly_fee": null,
      "monthly_fee_note": null,
      "fees_without_amount": [],
      "age_min": null,
      "age_max": null,
      "restrictions": [
        "christmas_club",
        "occupation_membership"
      ],
      "who_can_open": {
        "restricted": true,
        "groups": [
          {
            "kind": "occupation",
            "who": "Membership limited to Woolworths Group and Endeavour Group team members and their families (the bank's membership form)",
            "level": "bank",
            "quote": "I'm a Woolworths Group or Endeavour Group team member",
            "source": "https://woolworthsteambank.snapforms.com.au/form/membership-form",
            "citation": {
              "quote": "I'm a Woolworths Group or Endeavour Group team member",
              "url": "https://woolworthsteambank.snapforms.com.au/form/membership-form#:~:text=I%27m%20a%20Woolworths%20Group%20or%20Endeavour%20Group%20team%20member",
              "document_sha256": "12bffa1b299eb72110e04d05e2ede117091e78c904cedee41cf58d5a6c85750f",
              "confirmed": "2026-11-13"
            }
          }
        ],
        "open_note": null
      },
      "conditions": [
        "not updated by the bank since 2026-04-01, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed",
        "a Christmas club account: withdrawals are restricted for most of the year",
        "Membership is open to team members of Woolworths and Endeavour Groups, their immediate family members, and those with an affinity to Woolworths Group",
        "Membership limited to Woolworths Group and Endeavour Group team members and their families (the bank's membership form)",
        "funds can be withdrawn only between 1 November and 31 December"
      ],
      "eligibility": [
        "Membership is open to team members of Woolworths and Endeavour Groups, their immediate family members, and those with an affinity to Woolworths Group"
      ],
      "record_stale": true,
      "source_url": "https://online.woolworthsteambank.com.au/OpenBanking/cds-au/v1/banking/products/S2",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/woolworths-team-bank/S2.json",
      "snapshot_at": "2026-10-22T13:26:05Z",
      "bank_last_updated": "2026-04-01T17:36:59.000+11:00",
      "ranked": true,
      "unranked_reason": null,
      "row_count": 1,
      "terms_scan": {
        "scanned": "2026-11-01",
        "documents": [
          "https://woolworthsteambank.com.au/christmas-club-account/",
          "https://woolworthsteambank.com.au/savings/",
          "https://woolworthsteambank.com.au/disclosure-statements/",
          "https://woolworthsteambank.com.au/our-interest-rates/",
          "https://woolworthsteambank.com.au/wp-content/uploads/2026/09/PDS_Fees_Charges_Transaction_Limits_2026_08.pdf"
        ]
      }
    },
    {
      "product_id": "S10",
      "product_name": "NETPLUS",
      "product_label": "Netplus",
      "product_slug": "netplus",
      "page": "/au/finance/savings-accounts/accounts/woolworths-team-bank/netplus/",
      "product_url": "https://woolworthsteambank.com.au/savings/",
      "rate_correction": null,
      "interest_paid_correction": null,
      "min_balance_correction": null,
      "terms_url": "https://woolworthsteambank.com.au/savings/",
      "fees_url": "https://woolworthsteambank.com.au/wp-content/uploads/2025/06/PDS-Fees-Charges-Transaction-Limits_07.2025_FINAL.pdf",
      "eligibility_url": "https://woolworthsteambank.com.au/savings/",
      "account_type": "savings",
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": "NETPLUS",
      "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": [],
      "features": {
        "card_access": false,
        "card": null,
        "digital_wallets": [],
        "osko": false,
        "payid": false,
        "payto": false,
        "bpay": false,
        "app": false,
        "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": [],
      "interest_paid": "monthly",
      "interest_calculated": "daily",
      "monthly_fee": null,
      "monthly_fee_note": null,
      "fees_without_amount": [],
      "age_min": null,
      "age_max": null,
      "restrictions": [
        "occupation_membership"
      ],
      "who_can_open": {
        "restricted": true,
        "groups": [
          {
            "kind": "occupation",
            "who": "Membership limited to Woolworths Group and Endeavour Group team members and their families (the bank's membership form)",
            "level": "bank",
            "quote": "I'm a Woolworths Group or Endeavour Group team member",
            "source": "https://woolworthsteambank.snapforms.com.au/form/membership-form",
            "citation": {
              "quote": "I'm a Woolworths Group or Endeavour Group team member",
              "url": "https://woolworthsteambank.snapforms.com.au/form/membership-form#:~:text=I%27m%20a%20Woolworths%20Group%20or%20Endeavour%20Group%20team%20member",
              "document_sha256": "12bffa1b299eb72110e04d05e2ede117091e78c904cedee41cf58d5a6c85750f",
              "confirmed": "2026-11-13"
            }
          }
        ],
        "open_note": null
      },
      "conditions": [
        "not updated by the bank since 2026-07-07, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed",
        "Membership is open to team members of Woolworths and Endeavour Groups, their immediate family members, and those with an affinity to Woolworths Group.",
        "Membership limited to Woolworths Group and Endeavour Group team members and their families (the bank's membership form)"
      ],
      "eligibility": [
        "Membership is open to team members of Woolworths and Endeavour Groups, their immediate family members, and those with an affinity to Woolworths Group."
      ],
      "record_stale": true,
      "source_url": "https://online.woolworthsteambank.com.au/OpenBanking/cds-au/v1/banking/products/S10",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/woolworths-team-bank/S10.json",
      "snapshot_at": "2026-10-22T13:26:05Z",
      "bank_last_updated": "2026-07-07T17:46:42.000+10:00",
      "ranked": true,
      "unranked_reason": null,
      "row_count": 1,
      "terms_scan": {
        "scanned": "2026-11-01",
        "documents": [
          "https://woolworthsteambank.com.au/netplus-account/",
          "https://woolworthsteambank.com.au/savings/",
          "https://woolworthsteambank.com.au/disclosure-statements/",
          "https://woolworthsteambank.com.au/our-interest-rates/",
          "https://woolworthsteambank.com.au/wp-content/uploads/2026/09/PDS_Fees_Charges_Transaction_Limits_2026_08.pdf"
        ]
      }
    },
    {
      "product_id": "S1",
      "product_name": "ACCESS ACCOUNT",
      "product_label": "Access Account",
      "product_slug": "access-account",
      "page": "/au/finance/savings-accounts/accounts/woolworths-team-bank/access-account/",
      "product_url": "https://woolworthsteambank.com.au/savings/",
      "rate_correction": null,
      "interest_paid_correction": null,
      "min_balance_correction": null,
      "terms_url": "https://woolworthsteambank.com.au/savings/",
      "fees_url": "https://woolworthsteambank.com.au/wp-content/uploads/2025/06/PDS-Fees-Charges-Transaction-Limits_07.2025_FINAL.pdf",
      "eligibility_url": "https://woolworthsteambank.com.au/savings/",
      "account_type": "transaction",
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": "ACCESS 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": {
          "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": false,
        "card": null,
        "digital_wallets": [],
        "osko": false,
        "payid": false,
        "payto": false,
        "bpay": false,
        "app": false,
        "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": [],
      "interest_paid": "monthly",
      "interest_calculated": "daily",
      "monthly_fee": null,
      "monthly_fee_note": null,
      "fees_without_amount": [],
      "age_min": null,
      "age_max": null,
      "restrictions": [
        "occupation_membership"
      ],
      "who_can_open": {
        "restricted": true,
        "groups": [
          {
            "kind": "occupation",
            "who": "Membership limited to Woolworths Group and Endeavour Group team members and their families (the bank's membership form)",
            "level": "bank",
            "quote": "I'm a Woolworths Group or Endeavour Group team member",
            "source": "https://woolworthsteambank.snapforms.com.au/form/membership-form",
            "citation": {
              "quote": "I'm a Woolworths Group or Endeavour Group team member",
              "url": "https://woolworthsteambank.snapforms.com.au/form/membership-form#:~:text=I%27m%20a%20Woolworths%20Group%20or%20Endeavour%20Group%20team%20member",
              "document_sha256": "12bffa1b299eb72110e04d05e2ede117091e78c904cedee41cf58d5a6c85750f",
              "confirmed": "2026-11-13"
            }
          }
        ],
        "open_note": null
      },
      "conditions": [
        "not updated by the bank since 2026-05-04, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed",
        "Membership is open to team members of Woolworths and Endeavour Groups, their immediate family members, and those with an affinity to Woolworths Group",
        "Membership limited to Woolworths Group and Endeavour Group team members and their families (the bank's membership form)"
      ],
      "eligibility": [
        "Membership is open to team members of Woolworths and Endeavour Groups, their immediate family members, and those with an affinity to Woolworths Group"
      ],
      "record_stale": true,
      "source_url": "https://online.woolworthsteambank.com.au/OpenBanking/cds-au/v1/banking/products/S1",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/woolworths-team-bank/S1.json",
      "snapshot_at": "2026-10-22T13:26:05Z",
      "bank_last_updated": "2026-05-04T13:28:33.000+10:00",
      "ranked": false,
      "unranked_reason": "transaction_account",
      "row_count": 1
    },
    {
      "product_id": "S3",
      "product_name": "BUDGET",
      "product_label": "Budget",
      "product_slug": "budget",
      "page": "/au/finance/savings-accounts/accounts/woolworths-team-bank/budget/",
      "product_url": "https://woolworthsteambank.com.au/savings/",
      "rate_correction": null,
      "interest_paid_correction": null,
      "min_balance_correction": null,
      "terms_url": "https://woolworthsteambank.com.au/savings/",
      "fees_url": "https://woolworthsteambank.com.au/wp-content/uploads/2025/06/PDS-Fees-Charges-Transaction-Limits_07.2025_FINAL.pdf",
      "eligibility_url": "https://woolworthsteambank.com.au/savings/",
      "account_type": "transaction",
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": "BUDGET",
      "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": false,
        "card": null,
        "digital_wallets": [],
        "osko": false,
        "payid": false,
        "payto": false,
        "bpay": false,
        "app": false,
        "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": [],
      "interest_paid": "monthly",
      "interest_calculated": null,
      "monthly_fee": null,
      "monthly_fee_note": null,
      "fees_without_amount": [],
      "age_min": null,
      "age_max": null,
      "restrictions": [
        "occupation_membership"
      ],
      "who_can_open": {
        "restricted": true,
        "groups": [
          {
            "kind": "occupation",
            "who": "Membership limited to Woolworths Group and Endeavour Group team members and their families (the bank's membership form)",
            "level": "bank",
            "quote": "I'm a Woolworths Group or Endeavour Group team member",
            "source": "https://woolworthsteambank.snapforms.com.au/form/membership-form",
            "citation": {
              "quote": "I'm a Woolworths Group or Endeavour Group team member",
              "url": "https://woolworthsteambank.snapforms.com.au/form/membership-form#:~:text=I%27m%20a%20Woolworths%20Group%20or%20Endeavour%20Group%20team%20member",
              "document_sha256": "12bffa1b299eb72110e04d05e2ede117091e78c904cedee41cf58d5a6c85750f",
              "confirmed": "2026-11-13"
            }
          }
        ],
        "open_note": null
      },
      "conditions": [
        "not updated by the bank since 2026-06-01, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed",
        "Membership is open to team members of Woolworths and Endeavour Groups, their immediate family members, and those with an affinity to Woolworths Group",
        "Membership limited to Woolworths Group and Endeavour Group team members and their families (the bank's membership form)"
      ],
      "eligibility": [
        "Membership is open to team members of Woolworths and Endeavour Groups, their immediate family members, and those with an affinity to Woolworths Group"
      ],
      "record_stale": true,
      "source_url": "https://online.woolworthsteambank.com.au/OpenBanking/cds-au/v1/banking/products/S3",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/woolworths-team-bank/S3.json",
      "snapshot_at": "2026-10-22T13:26:05Z",
      "bank_last_updated": "2026-06-01T14:43:31.000+10:00",
      "ranked": false,
      "unranked_reason": "transaction_account",
      "row_count": 1
    }
  ],
  "rows": [
    {
      "brand": "Woolworths Team Bank",
      "brand_label": "Woolworths Team Bank",
      "brand_slug": "woolworths-team-bank",
      "legal_entity_abn": "67087651803",
      "product_id": "S26",
      "product_name": "Bonus Saver Account",
      "product_label": "Bonus Saver Account",
      "product_slug": "bonus-saver-account",
      "page": "/au/finance/savings-accounts/accounts/woolworths-team-bank/bonus-saver-account/",
      "product_url": "https://woolworthsteambank.com.au/savings/",
      "terms_url": "https://woolworthsteambank.com.au/savings/",
      "account_type": "savings",
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "bonus_is_total": false,
      "intro_is_total": null,
      "intro_months": null,
      "max_bonus_balance": 100000,
      "min_balance": null,
      "max_balance": 100000,
      "notice_days": null,
      "bonus_conditions": [],
      "interest_paid": "monthly",
      "interest_calculated": "daily",
      "monthly_fee": null,
      "monthly_fee_note": null,
      "age_min": null,
      "age_max": null,
      "restrictions": [
        "occupation_membership"
      ],
      "conditions": [
        "not updated by the bank since 2026-07-07, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed",
        "Membership is open to team members of Woolworths and Endeavour Groups, their immediate family members, and those with an affinity to Woolworths Group.",
        "Membership limited to Woolworths Group and Endeavour Group team members and their families (the bank's membership form)",
        "bonus needs a deposit of at least $100 each month and no withdrawals; otherwise only the 0.10% base rate is paid that month",
        "the portion of the balance above $100,000 earns only the base rate",
        "members aged 18 and over living in australia as citizens, permanent residents or on a relevant work visa",
        "only one bonus saver per customer, solely or jointly owned"
      ],
      "record_stale": true,
      "source_url": "https://online.woolworthsteambank.com.au/OpenBanking/cds-au/v1/banking/products/S26",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/woolworths-team-bank/S26.json",
      "bank_last_updated": "2026-07-07T17:48:53.000+10:00",
      "balance_from": 0,
      "balance_to": 99999.99,
      "base_rate_pct": 0.1,
      "bonus_rate_pct": 4.8,
      "intro_rate_pct": null,
      "ongoing_rate_pct": 4.9,
      "intro_total_rate_pct": null,
      "rate_application": "per_tier",
      "ranked": true,
      "unranked_reason": null
    },
    {
      "brand": "Woolworths Team Bank",
      "brand_label": "Woolworths Team Bank",
      "brand_slug": "woolworths-team-bank",
      "legal_entity_abn": "67087651803",
      "product_id": "S26",
      "product_name": "Bonus Saver Account",
      "product_label": "Bonus Saver Account",
      "product_slug": "bonus-saver-account",
      "page": "/au/finance/savings-accounts/accounts/woolworths-team-bank/bonus-saver-account/",
      "product_url": "https://woolworthsteambank.com.au/savings/",
      "terms_url": "https://woolworthsteambank.com.au/savings/",
      "account_type": "savings",
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "bonus_is_total": false,
      "intro_is_total": null,
      "intro_months": null,
      "max_bonus_balance": 100000,
      "min_balance": null,
      "max_balance": 100000,
      "notice_days": null,
      "bonus_conditions": [],
      "interest_paid": "monthly",
      "interest_calculated": "daily",
      "monthly_fee": null,
      "monthly_fee_note": null,
      "age_min": null,
      "age_max": null,
      "restrictions": [
        "occupation_membership"
      ],
      "conditions": [
        "not updated by the bank since 2026-07-07, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed",
        "Membership is open to team members of Woolworths and Endeavour Groups, their immediate family members, and those with an affinity to Woolworths Group.",
        "Membership limited to Woolworths Group and Endeavour Group team members and their families (the bank's membership form)",
        "bonus needs a deposit of at least $100 each month and no withdrawals; otherwise only the 0.10% base rate is paid that month",
        "the portion of the balance above $100,000 earns only the base rate",
        "members aged 18 and over living in australia as citizens, permanent residents or on a relevant work visa",
        "only one bonus saver per customer, solely or jointly owned"
      ],
      "record_stale": true,
      "source_url": "https://online.woolworthsteambank.com.au/OpenBanking/cds-au/v1/banking/products/S26",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/woolworths-team-bank/S26.json",
      "bank_last_updated": "2026-07-07T17:48:53.000+10:00",
      "balance_from": 100000,
      "balance_to": null,
      "base_rate_pct": 0.1,
      "bonus_rate_pct": 0.0,
      "intro_rate_pct": null,
      "ongoing_rate_pct": 0.1,
      "intro_total_rate_pct": null,
      "rate_application": "per_tier",
      "ranked": true,
      "unranked_reason": null
    },
    {
      "brand": "Woolworths Team Bank",
      "brand_label": "Woolworths Team Bank",
      "brand_slug": "woolworths-team-bank",
      "legal_entity_abn": "67087651803",
      "product_id": "S2",
      "product_name": "CHRISTMAS",
      "product_label": "Christmas",
      "product_slug": "christmas",
      "page": "/au/finance/savings-accounts/accounts/woolworths-team-bank/christmas/",
      "product_url": "https://woolworthsteambank.com.au/savings/",
      "terms_url": "https://woolworthsteambank.com.au/savings/",
      "account_type": "savings",
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "bonus_is_total": null,
      "intro_is_total": null,
      "intro_months": null,
      "max_bonus_balance": null,
      "min_balance": null,
      "max_balance": null,
      "notice_days": null,
      "bonus_conditions": [],
      "interest_paid": "annually",
      "interest_calculated": "daily",
      "monthly_fee": null,
      "monthly_fee_note": null,
      "age_min": null,
      "age_max": null,
      "restrictions": [
        "christmas_club",
        "occupation_membership"
      ],
      "conditions": [
        "not updated by the bank since 2026-04-01, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed",
        "a Christmas club account: withdrawals are restricted for most of the year",
        "Membership is open to team members of Woolworths and Endeavour Groups, their immediate family members, and those with an affinity to Woolworths Group",
        "Membership limited to Woolworths Group and Endeavour Group team members and their families (the bank's membership form)",
        "funds can be withdrawn only between 1 November and 31 December"
      ],
      "record_stale": true,
      "source_url": "https://online.woolworthsteambank.com.au/OpenBanking/cds-au/v1/banking/products/S2",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/woolworths-team-bank/S2.json",
      "bank_last_updated": "2026-04-01T17:36:59.000+11:00",
      "balance_from": 0,
      "balance_to": null,
      "base_rate_pct": 2.1,
      "bonus_rate_pct": null,
      "intro_rate_pct": null,
      "ongoing_rate_pct": 2.1,
      "intro_total_rate_pct": null,
      "rate_application": "whole_balance",
      "ranked": true,
      "unranked_reason": null
    },
    {
      "brand": "Woolworths Team Bank",
      "brand_label": "Woolworths Team Bank",
      "brand_slug": "woolworths-team-bank",
      "legal_entity_abn": "67087651803",
      "product_id": "S10",
      "product_name": "NETPLUS",
      "product_label": "Netplus",
      "product_slug": "netplus",
      "page": "/au/finance/savings-accounts/accounts/woolworths-team-bank/netplus/",
      "product_url": "https://woolworthsteambank.com.au/savings/",
      "terms_url": "https://woolworthsteambank.com.au/savings/",
      "account_type": "savings",
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "bonus_is_total": null,
      "intro_is_total": null,
      "intro_months": null,
      "max_bonus_balance": null,
      "min_balance": null,
      "max_balance": null,
      "notice_days": null,
      "bonus_conditions": [],
      "interest_paid": "monthly",
      "interest_calculated": "daily",
      "monthly_fee": null,
      "monthly_fee_note": null,
      "age_min": null,
      "age_max": null,
      "restrictions": [
        "occupation_membership"
      ],
      "conditions": [
        "not updated by the bank since 2026-07-07, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed",
        "Membership is open to team members of Woolworths and Endeavour Groups, their immediate family members, and those with an affinity to Woolworths Group.",
        "Membership limited to Woolworths Group and Endeavour Group team members and their families (the bank's membership form)"
      ],
      "record_stale": true,
      "source_url": "https://online.woolworthsteambank.com.au/OpenBanking/cds-au/v1/banking/products/S10",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/woolworths-team-bank/S10.json",
      "bank_last_updated": "2026-07-07T17:46:42.000+10:00",
      "balance_from": 0,
      "balance_to": null,
      "base_rate_pct": 2.0,
      "bonus_rate_pct": null,
      "intro_rate_pct": null,
      "ongoing_rate_pct": 2.0,
      "intro_total_rate_pct": null,
      "rate_application": "whole_balance",
      "ranked": true,
      "unranked_reason": null
    },
    {
      "brand": "Woolworths Team Bank",
      "brand_label": "Woolworths Team Bank",
      "brand_slug": "woolworths-team-bank",
      "legal_entity_abn": "67087651803",
      "product_id": "S1",
      "product_name": "ACCESS ACCOUNT",
      "product_label": "Access Account",
      "product_slug": "access-account",
      "page": "/au/finance/savings-accounts/accounts/woolworths-team-bank/access-account/",
      "product_url": "https://woolworthsteambank.com.au/savings/",
      "terms_url": "https://woolworthsteambank.com.au/savings/",
      "account_type": "transaction",
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "bonus_is_total": null,
      "intro_is_total": null,
      "intro_months": null,
      "max_bonus_balance": null,
      "min_balance": null,
      "max_balance": null,
      "notice_days": null,
      "bonus_conditions": [],
      "interest_paid": "monthly",
      "interest_calculated": "daily",
      "monthly_fee": null,
      "monthly_fee_note": null,
      "age_min": null,
      "age_max": null,
      "restrictions": [
        "occupation_membership"
      ],
      "conditions": [
        "not updated by the bank since 2026-05-04, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed",
        "Membership is open to team members of Woolworths and Endeavour Groups, their immediate family members, and those with an affinity to Woolworths Group",
        "Membership limited to Woolworths Group and Endeavour Group team members and their families (the bank's membership form)"
      ],
      "record_stale": true,
      "source_url": "https://online.woolworthsteambank.com.au/OpenBanking/cds-au/v1/banking/products/S1",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/woolworths-team-bank/S1.json",
      "bank_last_updated": "2026-05-04T13:28:33.000+10:00",
      "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"
    },
    {
      "brand": "Woolworths Team Bank",
      "brand_label": "Woolworths Team Bank",
      "brand_slug": "woolworths-team-bank",
      "legal_entity_abn": "67087651803",
      "product_id": "S3",
      "product_name": "BUDGET",
      "product_label": "Budget",
      "product_slug": "budget",
      "page": "/au/finance/savings-accounts/accounts/woolworths-team-bank/budget/",
      "product_url": "https://woolworthsteambank.com.au/savings/",
      "terms_url": "https://woolworthsteambank.com.au/savings/",
      "account_type": "transaction",
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "bonus_is_total": null,
      "intro_is_total": null,
      "intro_months": null,
      "max_bonus_balance": null,
      "min_balance": null,
      "max_balance": null,
      "notice_days": null,
      "bonus_conditions": [],
      "interest_paid": "monthly",
      "interest_calculated": null,
      "monthly_fee": null,
      "monthly_fee_note": null,
      "age_min": null,
      "age_max": null,
      "restrictions": [
        "occupation_membership"
      ],
      "conditions": [
        "not updated by the bank since 2026-06-01, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed",
        "Membership is open to team members of Woolworths and Endeavour Groups, their immediate family members, and those with an affinity to Woolworths Group",
        "Membership limited to Woolworths Group and Endeavour Group team members and their families (the bank's membership form)"
      ],
      "record_stale": true,
      "source_url": "https://online.woolworthsteambank.com.au/OpenBanking/cds-au/v1/banking/products/S3",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/woolworths-team-bank/S3.json",
      "bank_last_updated": "2026-06-01T14:43:31.000+10:00",
      "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": [],
  "guarantee": null
}