{
  "dataset": "Australian savings account rates",
  "page": "https://deepalmanac.com/au/finance/savings-accounts/",
  "start_here": {
    "answer_file": "https://deepalmanac.com/au/finance/savings-accounts/v1/top/{segment}/{kind}/{balance}.json",
    "inputs": "segment personal, smsf or business; kind ongoing (bonus conditions met, no introductory period; the default), intro or base (no conditions met); balance 10000, 50000 or 250000 (the nearest, then check max_balance)",
    "example": "https://deepalmanac.com/au/finance/savings-accounts/v1/top/personal/ongoing/50000.json",
    "lookup": "https://deepalmanac.com/v1/lookup/savings-accounts?segment=personal&rate=ongoing&balance=40000",
    "compare": "https://deepalmanac.com/v1/compare/savings-accounts?balance=37000&segment=personal&rate=ongoing"
  },
  "generated_at": "2026-11-13T01:46:37Z",
  "fetched_at": "2026-11-13T01:46:36Z",
  "data_as_of": "2026-11-13T00:52:15Z",
  "data_as_of_basis": "The latest last-updated timestamp any bank's CDR feed reports for a transaction or savings account product, by the banks' own clocks; never later than fetched_at.",
  "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.",
  "licences": [
    {
      "layer": "Consumer Data Right product reference data",
      "covers": "Accounts, base, bonus and introductory rates, tiers, conditions as published and each bank's last-updated time",
      "licence": "No licence is stated. CDR rule 2.6 bars a data holder from imposing conditions, restrictions or limitations of any kind on the use of product data, and it is reproduced as fetched",
      "licence_url": null,
      "attribution": "Published by each bank; the source URL is on every row"
    },
    {
      "layer": "Banks' own terms and pages",
      "covers": "Terms read from the bank's own documents and the rate corrections they support, each with its quote",
      "licence": "None granted. The facts are reproduced as published, with the URL (and, where quoted, the sentence) they were read from; quoted wording remains the copyright of each bank. Check the publisher's own terms before reusing quoted wording",
      "licence_url": null,
      "attribution": "Each bank, named with the URL on every record"
    },
    {
      "layer": "Reserve Bank of Australia cash rate target",
      "covers": "cash_rate_change and the cash rate figures",
      "licence": "Creative Commons Attribution 4.0 International (CC BY 4.0)",
      "licence_url": "https://creativecommons.org/licenses/by/4.0/",
      "attribution": "Source: Reserve Bank of Australia"
    },
    {
      "layer": "Deep Almanac's own work",
      "covers": "Every field no other layer names: rankings and ranks, estimates (such as bills, interest and costs), derived, normalised and summary fields, counts, flags, and the selection and arrangement of the data",
      "licence": "Creative Commons Attribution 4.0 International (CC BY 4.0)",
      "licence_url": "https://creativecommons.org/licenses/by/4.0/",
      "attribution": "Deep Almanac (deepalmanac.com)"
    }
  ],
  "questions": "https://deepalmanac.com/au/finance/savings-accounts/v1/questions.json",
  "openapi": "https://deepalmanac.com/au/finance/savings-accounts/v1/openapi.json",
  "status": "https://deepalmanac.com/status.json",
  "llms": "https://deepalmanac.com/llms.txt",
  "files": [
    "https://deepalmanac.com/au/finance/savings-accounts/v1/questions.json",
    "https://deepalmanac.com/au/finance/savings-accounts/v1/rates.json",
    "https://deepalmanac.com/au/finance/savings-accounts/v1/best.json",
    "https://deepalmanac.com/au/finance/savings-accounts/v1/brands.json",
    "https://deepalmanac.com/au/finance/savings-accounts/v1/curves.json",
    "https://deepalmanac.com/au/finance/savings-accounts/v1/products.json",
    "https://deepalmanac.com/au/finance/savings-accounts/v1/qualifying.json",
    "https://deepalmanac.com/au/finance/savings-accounts/v1/openapi.json",
    "https://deepalmanac.com/au/finance/savings-accounts/v1/top/personal/ongoing/50000.json"
  ],
  "coverage_note": "Covers the banks, credit unions and other deposit-takers on the Consumer Data Right register that publish savings accounts; every rate is as the bank's own product data states it. Transaction (everyday) accounts are in that data and in rates.json but are not ranked. Not every rate a bank advertises is in its product data. Bonus conditions are summarised from its wording, and the conditions and limits it leaves out (what counts as a deposit, age, membership, where the holder must live) are read from the bank's own terms and pages, quoted and re-read daily.",
  "rate_kinds_note": "kind ongoing is the conditional rate: the rate paid in a month in which every bonus condition is met, with no introductory period; intro is the introductory rate: the rate paid during an introductory period (the conditional rate plus the introductory add-on, or the whole introductory rate), and for an account with no introductory offer it equals the conditional rate; base is the base rate: the rate paid in a month in which the bonus conditions are not all met, or on an account with none. Every rate is the rate at the slice's balance: whole-balance tiers take the tier the balance is in, stepped (per-tier) tiers are blended over the balance.",
  "cash_rate_change": {
    "effective": "2026-11-04",
    "direction": "rise",
    "change_pct_points": 0.25,
    "cash_rate_target": 4.85,
    "source": "https://www.rba.gov.au/statistics/tables/csv/a2-data.csv"
  },
  "before_answering": "https://deepalmanac.com/au/finance/savings-accounts/v1/questions.json lists what to ask the reader first (personal, SMSF or business; whether they will meet bonus conditions every month; the balance), which file answers each question and what each figure means. Read its commentary before quoting a rate.",
  "answering": {
    "note": "Each entry is a question readers ask, the inputs to collect before it can be answered, and the files that answer it. ask_the_reader_first selects the file: segment, kind and balance are the three parts of each top/ and best/ path, and eligibility says whether to read the default ranking or the one with age-limited and pensioner accounts in. Read commentary before quoting a rate.",
    "questions": [
      {
        "question": "What is the best savings account rate?",
        "also_asked_as": [
          "highest interest savings account",
          "best high interest savings account",
          "best bonus saver",
          "best savings rate with no conditions",
          "best savings account for an SMSF"
        ],
        "has_no_single_answer": true,
        "ask_the_reader_first": [
          {
            "input": "segment: personal, smsf, business (the {segment} in the file path)",
            "why": "Banks offer separate accounts to people, to self-managed super funds and to businesses, with different rates. A company, trust, partnership or sole trader is business; a super fund is smsf.",
            "how_much_it_moves_the_answer": "ongoing, $50,000: personal 79 banks, from 6.00% (ING, Savings Maximiser) down to 0.05%, median 5.10%; smsf 35 banks, from 5.60% (Newcastle Permanent, Smart Saver Account) down to 0.30%, median 3.40%; business 42 banks, from 5.45% (Southern Cross Credit Union, Business Star Saver) down to 0.07%, median 2.25%."
          },
          {
            "input": "kind: ongoing, intro, base (the {kind} in the file path)",
            "why": "ongoing is the conditional rate: the rate paid in a month in which every bonus condition is met (a deposit, no withdrawals, a growing balance, card purchases); base is the base rate: what is paid in a month in which the bonus conditions are not all met, or on an account with none; intro is the rate in a new account's introductory period, which then falls to rate_after_intro_pct. Ask whether the reader will meet conditions every month, and whether they are opening a new account for a few months or keeping it for years.",
            "how_much_it_moves_the_answer": "personal, $50,000: ongoing 79 banks, from 6.00% (ING, Savings Maximiser) down to 0.05%, median 5.10%; intro 79 banks, from 6.50% (Revolut, Instant Access Savings) down to 0.55%, median 5.25%; base 79 banks, from 5.75% (AMP Bank GO, Save) down to 0.00%, median 3.00%."
          },
          {
            "input": "balance: dollars held, one of 10000, 50000, 250000 (the {balance} in the file path)",
            "why": "Bonuses are often capped (max_bonus_balance) and rates tiered by balance, so the rate at $250,000 can differ from the rate at $50,000. Read the nearest balance, then check max_balance and max_bonus_balance on the entry.",
            "how_much_it_moves_the_answer": "personal, ongoing: $10,000 79 banks, from 6.00% (ING, Savings Maximiser) down to 0.00%, median 5.10%; $50,000 79 banks, from 6.00% (ING, Savings Maximiser) down to 0.05%, median 5.10%; $250,000 79 banks, from 5.90% (ING, Savings Booster) down to 0.05%, median 5.00%."
          },
          {
            "input": "eligibility: the reader's age, and whether they receive a pension (yes to a kids, youth, seniors or pensioner account means read entries_all in best/ or top_all in top/, keeping only the accounts they qualify for)",
            "why": "Accounts limited by age, to pension recipients, to certain occupations (or lenders open only to them), to clubs, schools and other organisations of a kind, and to adviser or intermediary platforms carry the restrictions age_limited, pensioner, occupation_membership, organisation_only and via_third_party and are left out of the default ranking, because most readers cannot open them. They are often among the highest rates. Each product's who_can_open says who may open it in the bank's own words ({restricted, groups: [{kind, who, level, quote, source}], open_note}), the same block as every banking dataset's: kind is occupation, age, pension, student, staff, organisation, region or existing_customers, and a limit on joining the bank (level bank) applies to all its accounts.",
            "how_much_it_moves_the_answer": "The default view today has 79 banks; entries_all adds the rest."
          },
          {
            "input": "smsf_trustees: whether the SMSF's trustee is a company or individuals, how many, and whether they need to apply online (only when segment is smsf)",
            "why": "Asked only when the reader is an SMSF. Whether its trustee is a company or individuals, and how many, changes the documents every bank asks for (the company's ACN and each director's identification, or each trustee's) and, at a few banks, whether it can open the product at all or online (their products' facts.smsf_trustees and conditions, in the bank's words). Whether the trustees need to apply online matters too: some banks open an SMSF's account only in branch or by enquiry (who_can_open.open_to[].how). No rate here differs by trustee type.",
            "how_much_it_moves_the_answer": "Not the rate: it decides which accounts the fund can open, and how. Read the account's facts.smsf_trustees, conditions and who_can_open.open_to[].how."
          }
        ],
        "then_read": {
          "top_ten": "https://deepalmanac.com/au/finance/savings-accounts/v1/top/{segment}/{kind}/{balance}.json",
          "full_ranking": "https://deepalmanac.com/au/finance/savings-accounts/v1/best/{segment}/{kind}/{balance}.json",
          "default_slice": "https://deepalmanac.com/au/finance/savings-accounts/v1/top/personal/ongoing/50000.json",
          "one_bank": "https://deepalmanac.com/au/finance/savings-accounts/v1/brands/{brand_slug}.json",
          "exact_balance": "https://deepalmanac.com/v1/compare/savings-accounts?balance={dollars}&segment={segment}&rate={kind}"
        },
        "say_as_well": [
          "Quote the rate with its bonus conditions and the base rate (base_rate_pct) paid when they are missed.",
          "From exact_balance (/v1/compare), quote bonus_conditions (the bank's whole sentences), not the short conditions, and give if_conditions_missed_pct as what the account pays in a month they are missed; say when open_to_new is false or closes_to_new is near, and that restricted.left_out kinds were not ranked.",
          "If the reader does not want a linked transaction account, add linked_account=no to the compare URL; if they already bank with the bank or have held an account before, add new_customers_only=exclude, so an introductory rate for new customers is not counted. The reply's filters block says how many accounts each removed.",
          "Say when the bonus is capped (max_bonus_balance) and when the rate is introductory (intro_months).",
          "Say when the rate is record_stale and needs checking on the bank's page.",
          "Not every rate a bank advertises is in its feed, and not every deposit-taker is on the CDR register."
        ]
      },
      {
        "question": "What are this bank's savings account rates?",
        "also_asked_as": [
          "ING Savings Maximiser rate",
          "CommBank GoalSaver rate",
          "ubank Save rate"
        ],
        "has_no_single_answer": false,
        "ask_the_reader_first": [
          {
            "input": "segment: personal, smsf, business (the {segment} in the file path)",
            "why": "Banks offer separate accounts to people, to self-managed super funds and to businesses, with different rates. A company, trust, partnership or sole trader is business; a super fund is smsf.",
            "how_much_it_moves_the_answer": "ongoing, $50,000: personal 79 banks, from 6.00% (ING, Savings Maximiser) down to 0.05%, median 5.10%; smsf 35 banks, from 5.60% (Newcastle Permanent, Smart Saver Account) down to 0.30%, median 3.40%; business 42 banks, from 5.45% (Southern Cross Credit Union, Business Star Saver) down to 0.07%, median 2.25%."
          },
          {
            "input": "balance: dollars held, one of 10000, 50000, 250000 (the {balance} in the file path)",
            "why": "Bonuses are often capped (max_bonus_balance) and rates tiered by balance, so the rate at $250,000 can differ from the rate at $50,000. Read the nearest balance, then check max_balance and max_bonus_balance on the entry.",
            "how_much_it_moves_the_answer": "personal, ongoing: $10,000 79 banks, from 6.00% (ING, Savings Maximiser) down to 0.00%, median 5.10%; $50,000 79 banks, from 6.00% (ING, Savings Maximiser) down to 0.05%, median 5.10%; $250,000 79 banks, from 5.90% (ING, Savings Booster) down to 0.05%, median 5.00%."
          }
        ],
        "then_read": {
          "one_bank (field at_a_glance)": "https://deepalmanac.com/au/finance/savings-accounts/v1/brands/{brand_slug}.json"
        },
        "say_as_well": [
          "at_a_glance gives the bank's best ranked rate per segment and kind; every product, ranked or not, follows in products, and rows gives each product's rate in every balance band."
        ]
      },
      {
        "question": "How is a savings account different from a transaction account?",
        "also_asked_as": [
          "savings vs everyday account",
          "do transaction accounts pay interest",
          "why does my everyday account pay no interest",
          "what is a bonus saver"
        ],
        "has_no_single_answer": false,
        "ask_the_reader_first": [],
        "then_read": {
          "one_bank": "https://deepalmanac.com/au/finance/savings-accounts/v1/brands/{brand_slug}.json",
          "every_row": "https://deepalmanac.com/au/finance/savings-accounts/v1/rates.json"
        },
        "say_as_well": [
          "A transaction (everyday) account is for spending: it comes with a debit card, pays bills and direct debits, and usually pays little or no interest. A savings account is for holding money: it pays interest, usually has no card, and often pays its best rate only in months in which conditions are met (a minimum deposit, no withdrawals, a growing balance, or card purchases on a linked transaction account). Most banks expect the two to be held together, and many bonus savers require the linked transaction account.",
          "The banks' product data files both in one category, so this dataset separates them by name and features: account_type savings, cash_management or notice is ranked; transaction is not, but stays in rates.json and on the bank's file with unranked_reason transaction_account.",
          "Today 281 products are transaction accounts and 469 are savings-type; a few transaction accounts do pay interest, and the commentary names the highest."
        ]
      },
      {
        "question": "What do I have to do each month to get the bonus rate?",
        "also_asked_as": [
          "bonus saver conditions",
          "how to get the bonus interest",
          "do I lose interest if I withdraw"
        ],
        "has_no_single_answer": true,
        "ask_the_reader_first": [
          {
            "input": "segment: personal, smsf, business (the {segment} in the file path)",
            "why": "Banks offer separate accounts to people, to self-managed super funds and to businesses, with different rates. A company, trust, partnership or sole trader is business; a super fund is smsf.",
            "how_much_it_moves_the_answer": "ongoing, $50,000: personal 79 banks, from 6.00% (ING, Savings Maximiser) down to 0.05%, median 5.10%; smsf 35 banks, from 5.60% (Newcastle Permanent, Smart Saver Account) down to 0.30%, median 3.40%; business 42 banks, from 5.45% (Southern Cross Credit Union, Business Star Saver) down to 0.07%, median 2.25%."
          },
          {
            "input": "kind: ongoing, intro, base (the {kind} in the file path)",
            "why": "ongoing is the conditional rate: the rate paid in a month in which every bonus condition is met (a deposit, no withdrawals, a growing balance, card purchases); base is the base rate: what is paid in a month in which the bonus conditions are not all met, or on an account with none; intro is the rate in a new account's introductory period, which then falls to rate_after_intro_pct. Ask whether the reader will meet conditions every month, and whether they are opening a new account for a few months or keeping it for years.",
            "how_much_it_moves_the_answer": "personal, $50,000: ongoing 79 banks, from 6.00% (ING, Savings Maximiser) down to 0.05%, median 5.10%; intro 79 banks, from 6.50% (Revolut, Instant Access Savings) down to 0.55%, median 5.25%; base 79 banks, from 5.75% (AMP Bank GO, Save) down to 0.00%, median 3.00%."
          },
          {
            "input": "balance: dollars held, one of 10000, 50000, 250000 (the {balance} in the file path)",
            "why": "Bonuses are often capped (max_bonus_balance) and rates tiered by balance, so the rate at $250,000 can differ from the rate at $50,000. Read the nearest balance, then check max_balance and max_bonus_balance on the entry.",
            "how_much_it_moves_the_answer": "personal, ongoing: $10,000 79 banks, from 6.00% (ING, Savings Maximiser) down to 0.00%, median 5.10%; $50,000 79 banks, from 6.00% (ING, Savings Maximiser) down to 0.05%, median 5.10%; $250,000 79 banks, from 5.90% (ING, Savings Booster) down to 0.05%, median 5.00%."
          }
        ],
        "then_read": {
          "top_ten": "https://deepalmanac.com/au/finance/savings-accounts/v1/top/{segment}/{kind}/{balance}.json",
          "full_ranking": "https://deepalmanac.com/au/finance/savings-accounts/v1/best/{segment}/{kind}/{balance}.json"
        },
        "say_as_well": [
          "bonus_conditions lists each condition with its type (min_monthly_deposit, max_withdrawals, balance_grows, min_card_purchases, linked_account, online_only, new_customer, other) and the bank's own words.",
          "Missing a condition in a month usually means only the base rate for that month; the account is not closed."
        ]
      },
      {
        "question": "Is an introductory rate worth it?",
        "also_asked_as": [
          "best intro savings rate",
          "honeymoon rate savings account",
          "rate after the intro period"
        ],
        "has_no_single_answer": true,
        "ask_the_reader_first": [
          {
            "input": "segment: personal, smsf, business (the {segment} in the file path)",
            "why": "Banks offer separate accounts to people, to self-managed super funds and to businesses, with different rates. A company, trust, partnership or sole trader is business; a super fund is smsf.",
            "how_much_it_moves_the_answer": "ongoing, $50,000: personal 79 banks, from 6.00% (ING, Savings Maximiser) down to 0.05%, median 5.10%; smsf 35 banks, from 5.60% (Newcastle Permanent, Smart Saver Account) down to 0.30%, median 3.40%; business 42 banks, from 5.45% (Southern Cross Credit Union, Business Star Saver) down to 0.07%, median 2.25%."
          },
          {
            "input": "kind: ongoing, intro, base (the {kind} in the file path)",
            "why": "ongoing is the conditional rate: the rate paid in a month in which every bonus condition is met (a deposit, no withdrawals, a growing balance, card purchases); base is the base rate: what is paid in a month in which the bonus conditions are not all met, or on an account with none; intro is the rate in a new account's introductory period, which then falls to rate_after_intro_pct. Ask whether the reader will meet conditions every month, and whether they are opening a new account for a few months or keeping it for years.",
            "how_much_it_moves_the_answer": "personal, $50,000: ongoing 79 banks, from 6.00% (ING, Savings Maximiser) down to 0.05%, median 5.10%; intro 79 banks, from 6.50% (Revolut, Instant Access Savings) down to 0.55%, median 5.25%; base 79 banks, from 5.75% (AMP Bank GO, Save) down to 0.00%, median 3.00%."
          },
          {
            "input": "balance: dollars held, one of 10000, 50000, 250000 (the {balance} in the file path)",
            "why": "Bonuses are often capped (max_bonus_balance) and rates tiered by balance, so the rate at $250,000 can differ from the rate at $50,000. Read the nearest balance, then check max_balance and max_bonus_balance on the entry.",
            "how_much_it_moves_the_answer": "personal, ongoing: $10,000 79 banks, from 6.00% (ING, Savings Maximiser) down to 0.00%, median 5.10%; $50,000 79 banks, from 6.00% (ING, Savings Maximiser) down to 0.05%, median 5.10%; $250,000 79 banks, from 5.90% (ING, Savings Booster) down to 0.05%, median 5.00%."
          }
        ],
        "then_read": {
          "top_ten": "https://deepalmanac.com/au/finance/savings-accounts/v1/top/{segment}/intro/{balance}.json",
          "compare_with": "https://deepalmanac.com/au/finance/savings-accounts/v1/top/{segment}/ongoing/{balance}.json"
        },
        "say_as_well": [
          "Compare the intro slice's rate over intro_months and its rate_after_intro_pct for the rest of the year against the ongoing slice's best rate (the conditional rate) for twelve months.",
          "Introductory rates are for new customers or new accounts; intro_conditions says which."
        ]
      },
      {
        "question": "My SMSF has a corporate trustee (or individual trustees): can it open this, and how?",
        "also_asked_as": [
          "company trustee SMSF savings account",
          "SMSF with individual trustees",
          "sole trustee SMSF savings account",
          "single member SMSF savings account",
          "does the trustee structure matter for an SMSF savings account"
        ],
        "has_no_single_answer": true,
        "ask_the_reader_first": [
          {
            "input": "segment: personal, smsf, business (the {segment} in the file path)",
            "why": "Banks offer separate accounts to people, to self-managed super funds and to businesses, with different rates. A company, trust, partnership or sole trader is business; a super fund is smsf.",
            "how_much_it_moves_the_answer": "ongoing, $50,000: personal 79 banks, from 6.00% (ING, Savings Maximiser) down to 0.05%, median 5.10%; smsf 35 banks, from 5.60% (Newcastle Permanent, Smart Saver Account) down to 0.30%, median 3.40%; business 42 banks, from 5.45% (Southern Cross Credit Union, Business Star Saver) down to 0.07%, median 2.25%."
          },
          {
            "input": "smsf_trustees: whether the SMSF's trustee is a company or individuals, how many, and whether they need to apply online (only when segment is smsf)",
            "why": "Asked only when the reader is an SMSF. Whether its trustee is a company or individuals, and how many, changes the documents every bank asks for (the company's ACN and each director's identification, or each trustee's) and, at a few banks, whether it can open the product at all or online (their products' facts.smsf_trustees and conditions, in the bank's words). Whether the trustees need to apply online matters too: some banks open an SMSF's account only in branch or by enquiry (who_can_open.open_to[].how). No rate here differs by trustee type.",
            "how_much_it_moves_the_answer": "Not the rate: it decides which accounts the fund can open, and how. Read the account's facts.smsf_trustees, conditions and who_can_open.open_to[].how."
          }
        ],
        "then_read": {
          "one_bank": "https://deepalmanac.com/au/finance/savings-accounts/v1/brands/{brand_slug}.json",
          "fields": "products[].facts.smsf_trustees (the trustee structures the bank takes: corporate_trustee, individual_trustees, corporate_max, individual_min, individual_max, each null where it says nothing), products[].conditions (the bank's sentence, and any limit on single-member funds), and products[].who_can_open.open_to[].how (how a bank that opens it to SMSFs beyond its feed takes them: on request, in branch, by enquiry, by form)"
        },
        "say_as_well": [
          "Usually yes, whichever the trustee: the trustee structure changes the documents, not the rate. A fund with a corporate trustee gives the company's name and ACN and identification for every director; one with individual trustees gives identification for each trustee; and all the trustees normally sign unless the trust deed says otherwise. The banks' product data sets no rate or minimum by trustee type, and none of the banks' pages read for this does either, so an SMSF's rate is the smsf one whoever the trustee is.",
          "The exceptions, each the bank's own sentence, re-read daily: Judo Bank (SMSF Savings Account): only for SMSFs with one corporate trustee or two to four individual trustees, in its words \"Judo Bank only accepts applications for SMSFs with between two and four individual trustees or one corporate trustee.\" (https://www.judo.bank/savings-accounts/smsf-savings-account); Judo Bank (SMSF Savings Account): not open to single-member SMSFs at present, whether the trustee is a company or individuals, in its words \"We do not accept applications from single-member/single-director SMSFs at present.\" (https://www.judo.bank/savings-accounts/smsf-savings-account).",
          "Some banks take SMSFs only in branch, by enquiry or on request, not online, which matters to a reader who needs to apply online: on request: Defence Bank, Dnister. who_can_open.open_to[].how says which, and the product's condition quotes the bank; a bank whose feed already lists the product for SMSFs may say so only in its conditions.",
          "Ask the reader before quoting a rate: whether the fund's trustee is a company or individuals, how many trustees it has, and whether they need to apply online."
        ]
      },
      {
        "question": "Is the $250,000 government guarantee per brand or per bank?",
        "also_asked_as": [
          "is my money safe",
          "government guarantee savings",
          "financial claims scheme $250,000",
          "is Bank of Melbourne the same bank as Westpac",
          "is ubank the same as NAB",
          "which banks share a licence"
        ],
        "has_no_single_answer": false,
        "ask_the_reader_first": [],
        "then_read": {
          "groups": "https://deepalmanac.com/au/finance/savings-accounts/v1/best.json (guarantee_groups)",
          "one_bank": "https://deepalmanac.com/au/finance/savings-accounts/v1/brands/{brand_slug}.json (guarantee)"
        },
        "say_as_well": [
          "The Financial Claims Scheme limit is $250,000 per account holder at each authorised deposit-taking institution (ADI), and brands of one ADI count together: best.json's guarantee_groups lists the banks here that sell savings accounts under more than one brand, from APRA's list, and each bank file's guarantee names the brands that share its limit.",
          "Westpac, St.George Bank, Bank of Melbourne and BankSA are all Westpac Banking Corporation, so $200,000 in a savings account at one and $200,000 at another is $400,000 at one bank, and only $250,000 of it is guaranteed.",
          "Today: Westpac Banking Corporation: Westpac, St.George Bank, Bank of Melbourne and BankSA; Commonwealth Bank of Australia: CommBank and Bankwest; National Australia Bank Limited: NAB and UBank; Australia and New Zealand Banking Group Limited: ANZ and ANZ Plus; Bendigo and Adelaide Bank Limited: Bendigo Bank and Up; Bank of Queensland Limited: BOQ, BOQ Specialist and ME Bank; Teachers Mutual Bank Limited: Teachers Mutual Bank, Australian Mutual Bank, Firefighters Mutual Bank, Health Professionals Bank and UniBank; MyState Bank Limited: MyState Bank and Auswide Bank; Bank Australia Limited: Bank Australia and Qudos Bank; Newcastle Greater Mutual Group Ltd: Newcastle Permanent and Greater Bank; Police & Nurses Limited: P&N Bank and BCU Bank; Police Bank Ltd: Police Bank and Border Bank; Australian Military Bank Ltd: Australian Military Bank and RSL Money; Community First Credit Union Limited: Community First Bank and Easy Street; AMP Bank Ltd: AMP Bank and AMP Bank GO; Credit Union Australia Ltd: Great Southern Bank and Great Southern Bank Business+.",
          "Not confirmed, so say to ask the bank before relying on separate limits: Virgin Money shares Bank of Queensland Limited's ABN in the CDR register but APRA's list does not name it; Regional Australia Bank and Summerland Bank share an ABN in the CDR register but APRA's list does not name them as one bank; Geelong Bank and Hume Bank share an ABN in the CDR register but APRA's list does not name them as one bank.",
          "Whether any other deposit-taker here is an ADI is not stated; send the reader to APRA's list (https://www.apra.gov.au/financial-claims-scheme/banks-building-societies-and-credit-unions/list-authorised-deposit-taking) and its Financial Claims Scheme questions (https://www.apra.gov.au/frequently-asked-questions-about-banking-and-financial-claims-scheme)."
        ]
      },
      {
        "question": "What is the average savings account rate?",
        "also_asked_as": [
          "typical savings rate",
          "have savings rates gone up"
        ],
        "has_no_single_answer": true,
        "ask_the_reader_first": [
          {
            "input": "segment: personal, smsf, business (the {segment} in the file path)",
            "why": "Banks offer separate accounts to people, to self-managed super funds and to businesses, with different rates. A company, trust, partnership or sole trader is business; a super fund is smsf.",
            "how_much_it_moves_the_answer": "ongoing, $50,000: personal 79 banks, from 6.00% (ING, Savings Maximiser) down to 0.05%, median 5.10%; smsf 35 banks, from 5.60% (Newcastle Permanent, Smart Saver Account) down to 0.30%, median 3.40%; business 42 banks, from 5.45% (Southern Cross Credit Union, Business Star Saver) down to 0.07%, median 2.25%."
          },
          {
            "input": "kind: ongoing, intro, base (the {kind} in the file path)",
            "why": "ongoing is the conditional rate: the rate paid in a month in which every bonus condition is met (a deposit, no withdrawals, a growing balance, card purchases); base is the base rate: what is paid in a month in which the bonus conditions are not all met, or on an account with none; intro is the rate in a new account's introductory period, which then falls to rate_after_intro_pct. Ask whether the reader will meet conditions every month, and whether they are opening a new account for a few months or keeping it for years.",
            "how_much_it_moves_the_answer": "personal, $50,000: ongoing 79 banks, from 6.00% (ING, Savings Maximiser) down to 0.05%, median 5.10%; intro 79 banks, from 6.50% (Revolut, Instant Access Savings) down to 0.55%, median 5.25%; base 79 banks, from 5.75% (AMP Bank GO, Save) down to 0.00%, median 3.00%."
          },
          {
            "input": "balance: dollars held, one of 10000, 50000, 250000 (the {balance} in the file path)",
            "why": "Bonuses are often capped (max_bonus_balance) and rates tiered by balance, so the rate at $250,000 can differ from the rate at $50,000. Read the nearest balance, then check max_balance and max_bonus_balance on the entry.",
            "how_much_it_moves_the_answer": "personal, ongoing: $10,000 79 banks, from 6.00% (ING, Savings Maximiser) down to 0.00%, median 5.10%; $50,000 79 banks, from 6.00% (ING, Savings Maximiser) down to 0.05%, median 5.10%; $250,000 79 banks, from 5.90% (ING, Savings Booster) down to 0.05%, median 5.00%."
          }
        ],
        "then_read": {
          "one_slice": "https://deepalmanac.com/au/finance/savings-accounts/v1/best/{segment}/{kind}/{balance}.json",
          "index": "https://deepalmanac.com/au/finance/savings-accounts/v1/index.json"
        },
        "say_as_well": [
          "Give the median of one slice's ranking, not an average of rates.json (today, default slice: 79 banks, from 6.00% (ING, Savings Maximiser) down to 0.05%, median 5.10%).",
          "Only today's rates are kept."
        ]
      }
    ],
    "commentary": [
      {
        "topic": "conditional rate (kind ongoing)",
        "what_you_will_see": "A rate_pct of 5% or more on an account whose base_rate_pct (the base rate) is near zero.",
        "what_it_actually_means": "The rate is kind ongoing, the conditional rate: base plus bonus, paid only in a month in which every bonus_conditions entry is met. Today 51 of the 79 banks in the default view pay a bonus, and 44 of them pay 0.10% or less when the conditions are missed.",
        "say_this_as_well": "Quote the rate with its conditions and the base rate (base_rate_pct) beside it; a reader who will not meet the conditions every month should use kind base, the base ranking.",
        "do_not": "Do not quote the conditional rate as if it were base.",
        "check_it_yourself": "top/{segment}/ongoing/{balance}.json: rate_pct, base_rate_pct, bonus_conditions, conditions"
      },
      {
        "topic": "base ranking (kind base)",
        "what_you_will_see": "A different leader in kind base (the base ranking) from kind ongoing (the conditional).",
        "what_it_actually_means": "kind base ranks what is paid when the bonus conditions are not all met, the base rate: today 79 banks, from 5.75% (AMP Bank GO, Save) down to 0.00%, median 3.00%, against 79 banks, from 6.00% (ING, Savings Maximiser) down to 0.05%, median 5.10% for the conditional rate.",
        "say_this_as_well": "Use the base ranking (kind base) for a reader who wants to move money freely, or who will not meet deposit and withdrawal rules.",
        "do_not": "Do not describe the base ranking as the best savings rates.",
        "check_it_yourself": "top/{segment}/base/{balance}.json"
      },
      {
        "topic": "accounts with no conditions",
        "what_you_will_see": "Accounts with no bonus_conditions and no bonus_rate_pct.",
        "what_it_actually_means": "The rate is paid with no monthly conditions. 28 of the 79 banks in the default view are like this, the best being AMP Bank GO at 5.75%.",
        "say_this_as_well": "Say that the rate has no conditions; for many readers that is worth more than a higher conditional rate.",
        "do_not": "Do not treat an empty conditions list as missing data.",
        "check_it_yourself": "entries[].bonus_conditions (empty) and bonus_rate_pct (null)"
      },
      {
        "topic": "bonus balance cap",
        "what_you_will_see": "max_bonus_balance, often $100,000 or $250,000.",
        "what_it_actually_means": "The bonus is paid only on balances up to that figure; above it the base rate (or a lower tier) applies. 14 of the 79 banks in the default view cap the bonus. The slices are computed at their own balance, so a $250,000 slice already reflects the cap.",
        "say_this_as_well": "Give the cap when the reader's balance is near or above it, and point them at the slice for their balance.",
        "do_not": "Do not quote the $10,000 slice's rate for a $300,000 balance.",
        "check_it_yourself": "entries[].max_bonus_balance, balance_from, balance_to, rate_application"
      },
      {
        "topic": "introductory rates",
        "what_you_will_see": "kind intro entries with intro_months and rate_after_intro_pct.",
        "what_it_actually_means": "The rate lasts intro_months from opening and then falls to rate_after_intro_pct. 21 of the 79 banks in the default intro view have an introductory period; the others' intro rate is their conditional rate.",
        "say_this_as_well": "Give the months and the rate after; over a year an introductory rate can earn less than a lower conditional one.",
        "do_not": "Do not rank by the intro slice for a reader keeping the account for years.",
        "check_it_yourself": "top/{segment}/intro/{balance}.json: rate_pct, intro_months, rate_after_intro_pct"
      },
      {
        "topic": "bonus as the whole rate",
        "what_you_will_see": "bonus_is_total true.",
        "what_it_actually_means": "The bank's feed gives the bonus as the whole rate paid when conditions are met, not an amount on top of the base rate. 7 ranked products are read that way, from the row's own words, from having no base (base) row, or because base plus bonus would exceed 7.5% (0 by arithmetic).",
        "say_this_as_well": "Nothing extra: rate_pct is already the right figure either way.",
        "do_not": "Do not add bonus_rate_pct to base_rate_pct yourself.",
        "check_it_yourself": "entries[].bonus_is_total"
      },
      {
        "topic": "accounts off by default",
        "what_you_will_see": "entries_all and top_all longer than entries and top.",
        "what_it_actually_means": "Accounts limited by age, to pension recipients, to occupation-limited lenders and to adviser platforms are off by default. In the default view they add 31 banks, the best being Newcastle Permanent (Smart Saver Account (Under 25)) at 6.25%.",
        "say_this_as_well": "Ask the reader's age and whether they receive a pension before offering an entries_all account.",
        "do_not": "Do not quote a kids' or seniors' account to a reader it is closed to.",
        "check_it_yourself": "best/...json: entries_all; top/...json: top_all; entries[].restrictions, age_min, age_max"
      },
      {
        "topic": "transaction accounts",
        "what_you_will_see": "Transaction accounts in rates.json and on bank pages but in no ranking.",
        "what_it_actually_means": "281 products are everyday accounts: a card, payments, and usually little or no interest. 14 of them pay 2% or more (the highest: RACQ Bank Advantage Plus Account at 3.50%), and a reader wanting interest on spending money can find them on the bank's file by account_type.",
        "say_this_as_well": "Say that transaction accounts are not ranked here and that most pay no interest.",
        "do_not": "Do not say a bank has no savings rate because its transaction account is unranked.",
        "check_it_yourself": "brands/{brand_slug}.json: products[].account_type, unranked_reason"
      },
      {
        "topic": "stepped tiers",
        "what_you_will_see": "rate_application per_tier or mixed.",
        "what_it_actually_means": "The bank pays each rate only on the part of the balance in its tier, so the rate at a balance is a blend. 27 of the 79 banks in the default view are stepped; their rate_pct is the blended rate at the slice's balance.",
        "say_this_as_well": "Quote rate_pct as the effective rate at that balance, and say it is blended across tiers.",
        "do_not": "Do not quote the top tier's rate as if it applied to the whole balance.",
        "check_it_yourself": "entries[].rate_application, rows in brands/{brand_slug}.json for the tiers"
      },
      {
        "topic": "stale records",
        "what_you_will_see": "record_stale true with a leading condition.",
        "what_it_actually_means": "The bank has not republished the record for 60 days, or since before the Reserve Bank's cash rate change of 2026-11-04; the rate may have moved.",
        "say_this_as_well": "Say the rate needs checking on the bank's page.",
        "do_not": "Do not drop the entry; the rate is usually still right.",
        "check_it_yourself": "entries[].record_stale, bank_last_updated, conditions[0]"
      }
    ],
    "commentary_note": "Figures here that a client will otherwise misread, each with what you will see, what it means, what to say, what not to do and the file and field that settles it.",
    "what_it_cannot_answer_yet": [
      {
        "question": "Does this include every savings account in Australia?",
        "why": "No. It covers the 93 deposit-takers on the Consumer Data Right register whose feeds publish a savings account with a rate, and only the rates in the feed. A bank's special offer that is not in its feed is not here, and a deposit-taker off the register is not here.",
        "where_to_send_the_reader": "The bank's own savings page for an offer not in its feed."
      },
      {
        "question": "How much interest will I earn, after tax?",
        "why": "Interest depends on the balance over the year, which months' conditions are met and the reader's tax rate; none of that is in a feed.",
        "where_to_send_the_reader": "A savings calculator with the rate, conditions and balance from here; the ATO for tax."
      },
      {
        "question": "Is this deposit-taker covered by the government guarantee?",
        "why": "best.json's guarantee_groups names the banks that sell under several brands, from APRA's list, but the CDR register says who publishes data, not who holds a banking licence; legal_entity_abn is given so the reader can check any other brand.",
        "where_to_send_the_reader": "APRA's list of authorised deposit-taking institutions covered by the Financial Claims Scheme."
      },
      {
        "question": "What was the rate last month?",
        "why": "Only today's rates are kept, and bank_last_updated is when the record was republished, not when a rate changed.",
        "where_to_send_the_reader": "The bank's own rate announcements."
      }
    ],
    "context_this_dataset_does_not_hold": [
      "Whether the reader will meet the bonus conditions in a given month.",
      "Deposit-takers not on the Consumer Data Right register, and offers a bank does not put in its feed.",
      "Term deposits (a separate dataset: https://deepalmanac.com/au/finance/term-deposits/v1/) and offset accounts.",
      "The reader's tax rate, and the tax treatment of interest.",
      "Whether a brand outside guarantee_groups holds its own banking licence or operates under another's.",
      "Fees a bank lists without an amount (fees_without_amount)."
    ],
    "not_advice": "Reference data, not financial advice. Rates are as each bank publishes them in its product data; conditions it leaves out are quoted from the bank's own terms."
  },
  "best_dir": {
    "url_template": "https://deepalmanac.com/au/finance/savings-accounts/v1/best/{segment}/{kind}/{balance}.json",
    "segments": [
      "personal",
      "smsf",
      "business"
    ],
    "kinds": [
      "ongoing",
      "intro",
      "base"
    ],
    "balances": [
      10000,
      50000,
      250000
    ]
  },
  "top_dir": {
    "url_template": "https://deepalmanac.com/au/finance/savings-accounts/v1/top/{segment}/{kind}/{balance}.json",
    "segments": [
      "personal",
      "smsf",
      "business"
    ],
    "kinds": [
      "ongoing",
      "intro",
      "base"
    ],
    "balances": [
      10000,
      50000,
      250000
    ],
    "description": "The compact answer per slice, under 40 kB each: the top 10 entries of the matching best/ slice cut to the fields needed to quote them, the count of banks ranked, whether the accounts off by default change the top 10, and a link to the full slice."
  },
  "brands_dir": {
    "path": "brands/",
    "url_template": "https://deepalmanac.com/au/finance/savings-accounts/v1/brands/{brand_slug}.json",
    "page_template": "https://deepalmanac.com/au/finance/banks/{brand_slug}/",
    "description": "One file per bank with a transaction or savings account: brand identity, at_a_glance (the bank's best ranked rate per segment and kind, in the first few kB), its products and every rates.json row for that brand. Its page is the bank's page.",
    "count": 105,
    "brands": [
      {
        "brand_slug": "afg-home-loans-alpha",
        "url": "https://deepalmanac.com/au/finance/savings-accounts/v1/brands/afg-home-loans-alpha.json",
        "page": "https://deepalmanac.com/au/finance/banks/afg-home-loans-alpha/"
      },
      {
        "brand_slug": "alex-bank",
        "url": "https://deepalmanac.com/au/finance/savings-accounts/v1/brands/alex-bank.json",
        "page": "https://deepalmanac.com/au/finance/banks/alex-bank/"
      },
      {
        "brand_slug": "amp-my-amp",
        "url": "https://deepalmanac.com/au/finance/savings-accounts/v1/brands/amp-my-amp.json",
        "page": "https://deepalmanac.com/au/finance/banks/amp-my-amp/"
      },
      {
        "brand_slug": "amp-bank-go",
        "url": "https://deepalmanac.com/au/finance/savings-accounts/v1/brands/amp-bank-go.json",
        "page": "https://deepalmanac.com/au/finance/banks/amp-bank-go/"
      },
      {
        "brand_slug": "anz",
        "url": "https://deepalmanac.com/au/finance/savings-accounts/v1/brands/anz.json",
        "page": "https://deepalmanac.com/au/finance/banks/anz/"
      },
      {
        "brand_slug": "anz-plus",
        "url": "https://deepalmanac.com/au/finance/savings-accounts/v1/brands/anz-plus.json",
        "page": "https://deepalmanac.com/au/finance/banks/anz-plus/"
      },
      {
        "brand_slug": "arab-bank-australia-limited",
        "url": "https://deepalmanac.com/au/finance/savings-accounts/v1/brands/arab-bank-australia-limited.json",
        "page": "https://deepalmanac.com/au/finance/banks/arab-bank-australia-limited/"
      },
      {
        "brand_slug": "aussie-elevate",
        "url": "https://deepalmanac.com/au/finance/savings-accounts/v1/brands/aussie-elevate.json",
        "page": "https://deepalmanac.com/au/finance/banks/aussie-elevate/"
      },
      {
        "brand_slug": "australian-military-bank",
        "url": "https://deepalmanac.com/au/finance/savings-accounts/v1/brands/australian-military-bank.json",
        "page": "https://deepalmanac.com/au/finance/banks/australian-military-bank/"
      },
      {
        "brand_slug": "australian-mutual-bank-ltd",
        "url": "https://deepalmanac.com/au/finance/savings-accounts/v1/brands/australian-mutual-bank-ltd.json",
        "page": "https://deepalmanac.com/au/finance/banks/australian-mutual-bank-ltd/"
      },
      {
        "brand_slug": "auswide-bank-ltd",
        "url": "https://deepalmanac.com/au/finance/savings-accounts/v1/brands/auswide-bank-ltd.json",
        "page": "https://deepalmanac.com/au/finance/banks/auswide-bank-ltd/"
      },
      {
        "brand_slug": "bank-australia",
        "url": "https://deepalmanac.com/au/finance/savings-accounts/v1/brands/bank-australia.json",
        "page": "https://deepalmanac.com/au/finance/banks/bank-australia/"
      },
      {
        "brand_slug": "bank-first",
        "url": "https://deepalmanac.com/au/finance/savings-accounts/v1/brands/bank-first.json",
        "page": "https://deepalmanac.com/au/finance/banks/bank-first/"
      },
      {
        "brand_slug": "bank-of-china",
        "url": "https://deepalmanac.com/au/finance/savings-accounts/v1/brands/bank-of-china.json",
        "page": "https://deepalmanac.com/au/finance/banks/bank-of-china/"
      },
      {
        "brand_slug": "bank-of-melbourne",
        "url": "https://deepalmanac.com/au/finance/savings-accounts/v1/brands/bank-of-melbourne.json",
        "page": "https://deepalmanac.com/au/finance/banks/bank-of-melbourne/"
      },
      {
        "brand_slug": "bank-of-sydney",
        "url": "https://deepalmanac.com/au/finance/savings-accounts/v1/brands/bank-of-sydney.json",
        "page": "https://deepalmanac.com/au/finance/banks/bank-of-sydney/"
      },
      {
        "brand_slug": "bank-of-us",
        "url": "https://deepalmanac.com/au/finance/savings-accounts/v1/brands/bank-of-us.json",
        "page": "https://deepalmanac.com/au/finance/banks/bank-of-us/"
      },
      {
        "brand_slug": "banksa",
        "url": "https://deepalmanac.com/au/finance/savings-accounts/v1/brands/banksa.json",
        "page": "https://deepalmanac.com/au/finance/banks/banksa/"
      },
      {
        "brand_slug": "bankvic",
        "url": "https://deepalmanac.com/au/finance/savings-accounts/v1/brands/bankvic.json",
        "page": "https://deepalmanac.com/au/finance/banks/bankvic/"
      },
      {
        "brand_slug": "bankwaw",
        "url": "https://deepalmanac.com/au/finance/savings-accounts/v1/brands/bankwaw.json",
        "page": "https://deepalmanac.com/au/finance/banks/bankwaw/"
      },
      {
        "brand_slug": "bankwest",
        "url": "https://deepalmanac.com/au/finance/savings-accounts/v1/brands/bankwest.json",
        "page": "https://deepalmanac.com/au/finance/banks/bankwest/"
      },
      {
        "brand_slug": "bcu-bank",
        "url": "https://deepalmanac.com/au/finance/savings-accounts/v1/brands/bcu-bank.json",
        "page": "https://deepalmanac.com/au/finance/banks/bcu-bank/"
      },
      {
        "brand_slug": "bendigo-bank",
        "url": "https://deepalmanac.com/au/finance/savings-accounts/v1/brands/bendigo-bank.json",
        "page": "https://deepalmanac.com/au/finance/banks/bendigo-bank/"
      },
      {
        "brand_slug": "beyond-bank-australia",
        "url": "https://deepalmanac.com/au/finance/savings-accounts/v1/brands/beyond-bank-australia.json",
        "page": "https://deepalmanac.com/au/finance/banks/beyond-bank-australia/"
      },
      {
        "brand_slug": "bnk-bank-goldfields-money-bchl",
        "url": "https://deepalmanac.com/au/finance/savings-accounts/v1/brands/bnk-bank-goldfields-money-bchl.json",
        "page": "https://deepalmanac.com/au/finance/banks/bnk-bank-goldfields-money-bchl/"
      },
      {
        "brand_slug": "bank-of-queensland-limited",
        "url": "https://deepalmanac.com/au/finance/savings-accounts/v1/brands/bank-of-queensland-limited.json",
        "page": "https://deepalmanac.com/au/finance/banks/bank-of-queensland-limited/"
      },
      {
        "brand_slug": "boq-specialist",
        "url": "https://deepalmanac.com/au/finance/savings-accounts/v1/brands/boq-specialist.json",
        "page": "https://deepalmanac.com/au/finance/banks/boq-specialist/"
      },
      {
        "brand_slug": "border-bank",
        "url": "https://deepalmanac.com/au/finance/savings-accounts/v1/brands/border-bank.json",
        "page": "https://deepalmanac.com/au/finance/banks/border-bank/"
      },
      {
        "brand_slug": "broken-hill-bank",
        "url": "https://deepalmanac.com/au/finance/savings-accounts/v1/brands/broken-hill-bank.json",
        "page": "https://deepalmanac.com/au/finance/banks/broken-hill-bank/"
      },
      {
        "brand_slug": "cairns-bank",
        "url": "https://deepalmanac.com/au/finance/savings-accounts/v1/brands/cairns-bank.json",
        "page": "https://deepalmanac.com/au/finance/banks/cairns-bank/"
      },
      {
        "brand_slug": "central-murray-bank",
        "url": "https://deepalmanac.com/au/finance/savings-accounts/v1/brands/central-murray-bank.json",
        "page": "https://deepalmanac.com/au/finance/banks/central-murray-bank/"
      },
      {
        "brand_slug": "central-west-cul",
        "url": "https://deepalmanac.com/au/finance/savings-accounts/v1/brands/central-west-cul.json",
        "page": "https://deepalmanac.com/au/finance/banks/central-west-cul/"
      },
      {
        "brand_slug": "coastline-bank",
        "url": "https://deepalmanac.com/au/finance/savings-accounts/v1/brands/coastline-bank.json",
        "page": "https://deepalmanac.com/au/finance/banks/coastline-bank/"
      },
      {
        "brand_slug": "commbank",
        "url": "https://deepalmanac.com/au/finance/savings-accounts/v1/brands/commbank.json",
        "page": "https://deepalmanac.com/au/finance/banks/commbank/"
      },
      {
        "brand_slug": "commfcu",
        "url": "https://deepalmanac.com/au/finance/savings-accounts/v1/brands/commfcu.json",
        "page": "https://deepalmanac.com/au/finance/banks/commfcu/"
      },
      {
        "brand_slug": "connective-select",
        "url": "https://deepalmanac.com/au/finance/savings-accounts/v1/brands/connective-select.json",
        "page": "https://deepalmanac.com/au/finance/banks/connective-select/"
      },
      {
        "brand_slug": "credit-union-sa",
        "url": "https://deepalmanac.com/au/finance/savings-accounts/v1/brands/credit-union-sa.json",
        "page": "https://deepalmanac.com/au/finance/banks/credit-union-sa/"
      },
      {
        "brand_slug": "darling-downs-bank",
        "url": "https://deepalmanac.com/au/finance/savings-accounts/v1/brands/darling-downs-bank.json",
        "page": "https://deepalmanac.com/au/finance/banks/darling-downs-bank/"
      },
      {
        "brand_slug": "defence-bank",
        "url": "https://deepalmanac.com/au/finance/savings-accounts/v1/brands/defence-bank.json",
        "page": "https://deepalmanac.com/au/finance/banks/defence-bank/"
      },
      {
        "brand_slug": "dnister",
        "url": "https://deepalmanac.com/au/finance/savings-accounts/v1/brands/dnister.json",
        "page": "https://deepalmanac.com/au/finance/banks/dnister/"
      },
      {
        "brand_slug": "easy-street",
        "url": "https://deepalmanac.com/au/finance/savings-accounts/v1/brands/easy-street.json",
        "page": "https://deepalmanac.com/au/finance/banks/easy-street/"
      },
      {
        "brand_slug": "fire-service-credit-union",
        "url": "https://deepalmanac.com/au/finance/savings-accounts/v1/brands/fire-service-credit-union.json",
        "page": "https://deepalmanac.com/au/finance/banks/fire-service-credit-union/"
      },
      {
        "brand_slug": "firefighters-mutual-bank",
        "url": "https://deepalmanac.com/au/finance/savings-accounts/v1/brands/firefighters-mutual-bank.json",
        "page": "https://deepalmanac.com/au/finance/banks/firefighters-mutual-bank/"
      },
      {
        "brand_slug": "first-option-bank",
        "url": "https://deepalmanac.com/au/finance/savings-accounts/v1/brands/first-option-bank.json",
        "page": "https://deepalmanac.com/au/finance/banks/first-option-bank/"
      },
      {
        "brand_slug": "gateway-bank",
        "url": "https://deepalmanac.com/au/finance/savings-accounts/v1/brands/gateway-bank.json",
        "page": "https://deepalmanac.com/au/finance/banks/gateway-bank/"
      },
      {
        "brand_slug": "geelong-bank",
        "url": "https://deepalmanac.com/au/finance/savings-accounts/v1/brands/geelong-bank.json",
        "page": "https://deepalmanac.com/au/finance/banks/geelong-bank/"
      },
      {
        "brand_slug": "gmcu",
        "url": "https://deepalmanac.com/au/finance/savings-accounts/v1/brands/gmcu.json",
        "page": "https://deepalmanac.com/au/finance/banks/gmcu/"
      },
      {
        "brand_slug": "great-southern-bank",
        "url": "https://deepalmanac.com/au/finance/savings-accounts/v1/brands/great-southern-bank.json",
        "page": "https://deepalmanac.com/au/finance/banks/great-southern-bank/"
      },
      {
        "brand_slug": "great-southern-bank-business",
        "url": "https://deepalmanac.com/au/finance/savings-accounts/v1/brands/great-southern-bank-business.json",
        "page": "https://deepalmanac.com/au/finance/banks/great-southern-bank-business/"
      },
      {
        "brand_slug": "greater-bank",
        "url": "https://deepalmanac.com/au/finance/savings-accounts/v1/brands/greater-bank.json",
        "page": "https://deepalmanac.com/au/finance/banks/greater-bank/"
      },
      {
        "brand_slug": "health-professionals-bank",
        "url": "https://deepalmanac.com/au/finance/savings-accounts/v1/brands/health-professionals-bank.json",
        "page": "https://deepalmanac.com/au/finance/banks/health-professionals-bank/"
      },
      {
        "brand_slug": "heartland",
        "url": "https://deepalmanac.com/au/finance/savings-accounts/v1/brands/heartland.json",
        "page": "https://deepalmanac.com/au/finance/banks/heartland/"
      },
      {
        "brand_slug": "horizon-bank",
        "url": "https://deepalmanac.com/au/finance/savings-accounts/v1/brands/horizon-bank.json",
        "page": "https://deepalmanac.com/au/finance/banks/horizon-bank/"
      },
      {
        "brand_slug": "hsbc-bank-australia-limited-wholesale-banking",
        "url": "https://deepalmanac.com/au/finance/savings-accounts/v1/brands/hsbc-bank-australia-limited-wholesale-banking.json",
        "page": "https://deepalmanac.com/au/finance/banks/hsbc-bank-australia-limited-wholesale-banking/"
      },
      {
        "brand_slug": "hume-bank",
        "url": "https://deepalmanac.com/au/finance/savings-accounts/v1/brands/hume-bank.json",
        "page": "https://deepalmanac.com/au/finance/banks/hume-bank/"
      },
      {
        "brand_slug": "imb-bank",
        "url": "https://deepalmanac.com/au/finance/savings-accounts/v1/brands/imb-bank.json",
        "page": "https://deepalmanac.com/au/finance/banks/imb-bank/"
      },
      {
        "brand_slug": "ing-bank-australia-ltd",
        "url": "https://deepalmanac.com/au/finance/savings-accounts/v1/brands/ing-bank-australia-ltd.json",
        "page": "https://deepalmanac.com/au/finance/banks/ing-bank-australia-ltd/"
      },
      {
        "brand_slug": "judo-bank",
        "url": "https://deepalmanac.com/au/finance/savings-accounts/v1/brands/judo-bank.json",
        "page": "https://deepalmanac.com/au/finance/banks/judo-bank/"
      },
      {
        "brand_slug": "laboratories-credit-union",
        "url": "https://deepalmanac.com/au/finance/savings-accounts/v1/brands/laboratories-credit-union.json",
        "page": "https://deepalmanac.com/au/finance/banks/laboratories-credit-union/"
      },
      {
        "brand_slug": "macquarie-bank-limited",
        "url": "https://deepalmanac.com/au/finance/savings-accounts/v1/brands/macquarie-bank-limited.json",
        "page": "https://deepalmanac.com/au/finance/banks/macquarie-bank-limited/"
      },
      {
        "brand_slug": "me-bank-me-go",
        "url": "https://deepalmanac.com/au/finance/savings-accounts/v1/brands/me-bank-me-go.json",
        "page": "https://deepalmanac.com/au/finance/banks/me-bank-me-go/"
      },
      {
        "brand_slug": "movebank",
        "url": "https://deepalmanac.com/au/finance/savings-accounts/v1/brands/movebank.json",
        "page": "https://deepalmanac.com/au/finance/banks/movebank/"
      },
      {
        "brand_slug": "mystate-bank",
        "url": "https://deepalmanac.com/au/finance/savings-accounts/v1/brands/mystate-bank.json",
        "page": "https://deepalmanac.com/au/finance/banks/mystate-bank/"
      },
      {
        "brand_slug": "national-australia-bank",
        "url": "https://deepalmanac.com/au/finance/savings-accounts/v1/brands/national-australia-bank.json",
        "page": "https://deepalmanac.com/au/finance/banks/national-australia-bank/"
      },
      {
        "brand_slug": "newcastle-permanent",
        "url": "https://deepalmanac.com/au/finance/savings-accounts/v1/brands/newcastle-permanent.json",
        "page": "https://deepalmanac.com/au/finance/banks/newcastle-permanent/"
      },
      {
        "brand_slug": "northern-inland-credit-union-limited",
        "url": "https://deepalmanac.com/au/finance/savings-accounts/v1/brands/northern-inland-credit-union-limited.json",
        "page": "https://deepalmanac.com/au/finance/banks/northern-inland-credit-union-limited/"
      },
      {
        "brand_slug": "nrma-home-loans",
        "url": "https://deepalmanac.com/au/finance/savings-accounts/v1/brands/nrma-home-loans.json",
        "page": "https://deepalmanac.com/au/finance/banks/nrma-home-loans/"
      },
      {
        "brand_slug": "orange-credit-union-ltd",
        "url": "https://deepalmanac.com/au/finance/savings-accounts/v1/brands/orange-credit-union-ltd.json",
        "page": "https://deepalmanac.com/au/finance/banks/orange-credit-union-ltd/"
      },
      {
        "brand_slug": "p-n-bank",
        "url": "https://deepalmanac.com/au/finance/savings-accounts/v1/brands/p-n-bank.json",
        "page": "https://deepalmanac.com/au/finance/banks/p-n-bank/"
      },
      {
        "brand_slug": "paypal-australia",
        "url": "https://deepalmanac.com/au/finance/savings-accounts/v1/brands/paypal-australia.json",
        "page": "https://deepalmanac.com/au/finance/banks/paypal-australia/"
      },
      {
        "brand_slug": "people-first-and-heritage-bank",
        "url": "https://deepalmanac.com/au/finance/savings-accounts/v1/brands/people-first-and-heritage-bank.json",
        "page": "https://deepalmanac.com/au/finance/banks/people-first-and-heritage-bank/"
      },
      {
        "brand_slug": "police-bank",
        "url": "https://deepalmanac.com/au/finance/savings-accounts/v1/brands/police-bank.json",
        "page": "https://deepalmanac.com/au/finance/banks/police-bank/"
      },
      {
        "brand_slug": "police-credit-union-ltd",
        "url": "https://deepalmanac.com/au/finance/savings-accounts/v1/brands/police-credit-union-ltd.json",
        "page": "https://deepalmanac.com/au/finance/banks/police-credit-union-ltd/"
      },
      {
        "brand_slug": "qantas-money-basic-offset-home-loans",
        "url": "https://deepalmanac.com/au/finance/savings-accounts/v1/brands/qantas-money-basic-offset-home-loans.json",
        "page": "https://deepalmanac.com/au/finance/banks/qantas-money-basic-offset-home-loans/"
      },
      {
        "brand_slug": "qbank",
        "url": "https://deepalmanac.com/au/finance/savings-accounts/v1/brands/qbank.json",
        "page": "https://deepalmanac.com/au/finance/banks/qbank/"
      },
      {
        "brand_slug": "qudos-bank",
        "url": "https://deepalmanac.com/au/finance/savings-accounts/v1/brands/qudos-bank.json",
        "page": "https://deepalmanac.com/au/finance/banks/qudos-bank/"
      },
      {
        "brand_slug": "queensland-country-bank",
        "url": "https://deepalmanac.com/au/finance/savings-accounts/v1/brands/queensland-country-bank.json",
        "page": "https://deepalmanac.com/au/finance/banks/queensland-country-bank/"
      },
      {
        "brand_slug": "rabobank",
        "url": "https://deepalmanac.com/au/finance/savings-accounts/v1/brands/rabobank.json",
        "page": "https://deepalmanac.com/au/finance/banks/rabobank/"
      },
      {
        "brand_slug": "racq-bank",
        "url": "https://deepalmanac.com/au/finance/savings-accounts/v1/brands/racq-bank.json",
        "page": "https://deepalmanac.com/au/finance/banks/racq-bank/"
      },
      {
        "brand_slug": "regional-australia-bank",
        "url": "https://deepalmanac.com/au/finance/savings-accounts/v1/brands/regional-australia-bank.json",
        "page": "https://deepalmanac.com/au/finance/banks/regional-australia-bank/"
      },
      {
        "brand_slug": "revolut",
        "url": "https://deepalmanac.com/au/finance/savings-accounts/v1/brands/revolut.json",
        "page": "https://deepalmanac.com/au/finance/banks/revolut/"
      },
      {
        "brand_slug": "rsl-money",
        "url": "https://deepalmanac.com/au/finance/savings-accounts/v1/brands/rsl-money.json",
        "page": "https://deepalmanac.com/au/finance/banks/rsl-money/"
      },
      {
        "brand_slug": "solo-by-myob",
        "url": "https://deepalmanac.com/au/finance/savings-accounts/v1/brands/solo-by-myob.json",
        "page": "https://deepalmanac.com/au/finance/banks/solo-by-myob/"
      },
      {
        "brand_slug": "southern-cross-credit-union",
        "url": "https://deepalmanac.com/au/finance/savings-accounts/v1/brands/southern-cross-credit-union.json",
        "page": "https://deepalmanac.com/au/finance/banks/southern-cross-credit-union/"
      },
      {
        "brand_slug": "st-george-bank",
        "url": "https://deepalmanac.com/au/finance/savings-accounts/v1/brands/st-george-bank.json",
        "page": "https://deepalmanac.com/au/finance/banks/st-george-bank/"
      },
      {
        "brand_slug": "summerland-bank",
        "url": "https://deepalmanac.com/au/finance/savings-accounts/v1/brands/summerland-bank.json",
        "page": "https://deepalmanac.com/au/finance/banks/summerland-bank/"
      },
      {
        "brand_slug": "suncorp-bank",
        "url": "https://deepalmanac.com/au/finance/savings-accounts/v1/brands/suncorp-bank.json",
        "page": "https://deepalmanac.com/au/finance/banks/suncorp-bank/"
      },
      {
        "brand_slug": "swsbank",
        "url": "https://deepalmanac.com/au/finance/savings-accounts/v1/brands/swsbank.json",
        "page": "https://deepalmanac.com/au/finance/banks/swsbank/"
      },
      {
        "brand_slug": "teachers-mutual-bank",
        "url": "https://deepalmanac.com/au/finance/savings-accounts/v1/brands/teachers-mutual-bank.json",
        "page": "https://deepalmanac.com/au/finance/banks/teachers-mutual-bank/"
      },
      {
        "brand_slug": "the-capricornian",
        "url": "https://deepalmanac.com/au/finance/savings-accounts/v1/brands/the-capricornian.json",
        "page": "https://deepalmanac.com/au/finance/banks/the-capricornian/"
      },
      {
        "brand_slug": "the-mac",
        "url": "https://deepalmanac.com/au/finance/savings-accounts/v1/brands/the-mac.json",
        "page": "https://deepalmanac.com/au/finance/banks/the-mac/"
      },
      {
        "brand_slug": "maitland-mutual-limited",
        "url": "https://deepalmanac.com/au/finance/savings-accounts/v1/brands/maitland-mutual-limited.json",
        "page": "https://deepalmanac.com/au/finance/banks/maitland-mutual-limited/"
      },
      {
        "brand_slug": "tiimely-home",
        "url": "https://deepalmanac.com/au/finance/savings-accounts/v1/brands/tiimely-home.json",
        "page": "https://deepalmanac.com/au/finance/banks/tiimely-home/"
      },
      {
        "brand_slug": "traditional-credit-union",
        "url": "https://deepalmanac.com/au/finance/savings-accounts/v1/brands/traditional-credit-union.json",
        "page": "https://deepalmanac.com/au/finance/banks/traditional-credit-union/"
      },
      {
        "brand_slug": "tmcu",
        "url": "https://deepalmanac.com/au/finance/savings-accounts/v1/brands/tmcu.json",
        "page": "https://deepalmanac.com/au/finance/banks/tmcu/"
      },
      {
        "brand_slug": "tyro-payments",
        "url": "https://deepalmanac.com/au/finance/savings-accounts/v1/brands/tyro-payments.json",
        "page": "https://deepalmanac.com/au/finance/banks/tyro-payments/"
      },
      {
        "brand_slug": "tyro-banking",
        "url": "https://deepalmanac.com/au/finance/savings-accounts/v1/brands/tyro-banking.json",
        "page": "https://deepalmanac.com/au/finance/banks/tyro-banking/"
      },
      {
        "brand_slug": "ubank",
        "url": "https://deepalmanac.com/au/finance/savings-accounts/v1/brands/ubank.json",
        "page": "https://deepalmanac.com/au/finance/banks/ubank/"
      },
      {
        "brand_slug": "unibank",
        "url": "https://deepalmanac.com/au/finance/savings-accounts/v1/brands/unibank.json",
        "page": "https://deepalmanac.com/au/finance/banks/unibank/"
      },
      {
        "brand_slug": "unity-bank",
        "url": "https://deepalmanac.com/au/finance/savings-accounts/v1/brands/unity-bank.json",
        "page": "https://deepalmanac.com/au/finance/banks/unity-bank/"
      },
      {
        "brand_slug": "up",
        "url": "https://deepalmanac.com/au/finance/savings-accounts/v1/brands/up.json",
        "page": "https://deepalmanac.com/au/finance/banks/up/"
      },
      {
        "brand_slug": "virgin-money",
        "url": "https://deepalmanac.com/au/finance/savings-accounts/v1/brands/virgin-money.json",
        "page": "https://deepalmanac.com/au/finance/banks/virgin-money/"
      },
      {
        "brand_slug": "westpac",
        "url": "https://deepalmanac.com/au/finance/savings-accounts/v1/brands/westpac.json",
        "page": "https://deepalmanac.com/au/finance/banks/westpac/"
      },
      {
        "brand_slug": "wise",
        "url": "https://deepalmanac.com/au/finance/savings-accounts/v1/brands/wise.json",
        "page": "https://deepalmanac.com/au/finance/banks/wise/"
      },
      {
        "brand_slug": "woolworths-team-bank",
        "url": "https://deepalmanac.com/au/finance/savings-accounts/v1/brands/woolworths-team-bank.json",
        "page": "https://deepalmanac.com/au/finance/banks/woolworths-team-bank/"
      }
    ]
  },
  "account_pages": {
    "index": "https://deepalmanac.com/au/finance/savings-accounts/accounts/",
    "page_template": "https://deepalmanac.com/au/finance/savings-accounts/accounts/{brand_slug}/{product_slug}/",
    "count": 753,
    "description": "One page per savings, cash management, notice and transaction account, ranked or not: its rate at each reference balance, every balance tier, the bonus conditions in the bank's words, features, fees and limits. Each product's page field is its path."
  },
  "source_dir": {
    "path": "source/",
    "url_template": "https://deepalmanac.com/au/finance/savings-accounts/v1/source/{brand_slug}/{safe_product_id}.json",
    "description": "Verbatim snapshot of each product's CDR product detail response as fetched; safe_product_id is the productId with characters outside [A-Za-z0-9._-] replaced by _.",
    "count": 890
  }
}