{"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.","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.","generated_at":"2026-11-13T01:46:37Z","note":"One record per ranked product: the fields a ranking entry shows, plus the product's three rate schedules, so a reader (the page's any-balance box) can rank every bank at a balance the best/ slices do not cover. schedules.base, .bonus and .intro each list bands [balance_from, balance_to, rate, method]: balance_to null is open-ended; rate is a fraction (0.0535 is 5.35%) and is the band's own figure, an add-on for bonus and intro bands unless bonus_is_total or intro_is_total says the band is the whole rate; method is whole_balance (a balance in the band earns its rate) or per_tier (the rate is paid on the part of the balance in the band, so a balance across bands earns the blend). The rate at a balance B: for each schedule, the whole_balance bands holding B give a figure (the lowest for base bands, which are alternatives; the sum for bonus and intro bands paid together, or the highest when the sum would exceed 7.5%), and the per_tier bands give the balance-weighted blend over 0 to B; the two parts combine the same way. Then the conditional rate (kind ongoing) is base plus bonus, or the bonus alone when bonus_is_total; the introductory rate (kind intro) is that plus the intro figure, or the intro figure alone when intro_is_total (never below the conditional rate); the base rate (kind base) is base. A balance below min_balance, above max_balance or outside every band has no rate, and a rate outside 0% to 9% is not ranked. One entry per bank per segment: its product with the highest rate, then the highest base rate, then the lowest monthly fee (a fee the feed does not state counts as 0), then the name. has_bonus_conditions says the bonus rows carry conditions. Products limited by age, to pensioners, to certain occupations, to organisations of a kind or to adviser platforms carry those restrictions and are left out of the default view.","segments":["personal","smsf","business"],"kinds":["ongoing","intro","base"],"rate_limits":{"min":0.0,"max":0.09,"plausible_max_addon_sum":0.075},"same_bank":{"westpac":{"bank":"Westpac Banking Corporation","abn":"33007457141","confirmed":true},"st-george-bank":{"bank":"Westpac Banking Corporation","abn":"33007457141","confirmed":true},"bank-of-melbourne":{"bank":"Westpac Banking Corporation","abn":"33007457141","confirmed":true},"banksa":{"bank":"Westpac Banking Corporation","abn":"33007457141","confirmed":true},"commbank":{"bank":"Commonwealth Bank of Australia","abn":"48123123124","confirmed":true},"bankwest":{"bank":"Commonwealth Bank of Australia","abn":"48123123124","confirmed":true},"national-australia-bank":{"bank":"National Australia Bank 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