{ "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.", "unranked_reasons": { "transaction_account": "a transaction (everyday) account, not a savings account", "offset_account": "a mortgage offset account", "foreign_currency": "a foreign currency account", "farm_management_deposit": "a farm management deposit", "term_deposit": "a term deposit filed in the savings category; the term deposits dataset ranks it (/au/finance/term-deposits/)", "other_product": "a superannuation, trust-money or other special-purpose account", "other_segment": "open to neither personal, SMSF nor business customers as the feed describes it", "staff_only": "staff only", "closed_to_new": "not available to new customers", "no_rate": "the feed publishes no rate above zero", "detail_unavailable": "the bank's feed lists the product but returns an error for its details, so its rates are unknown", "rate_out_of_range": "a rate outside 0% to 9%" }, "restriction_labels": { "age_limited": "open only to people of certain ages (kids, youth or seniors accounts)", "pensioner": "open only to pension or allowance recipients", "occupation_membership": "open only to people in certain occupations, or the lender takes members only from them", "organisation_only": "open only to clubs, not-for-profits, schools or community organisations", "via_third_party": "opened only through an adviser, broker, intermediary or investment platform", "christmas_club": "a Christmas club account: withdrawals are restricted for most of the year", "notice": "a notice account: withdrawals need advance notice", "existing_customers": "existing customers only", "linked_account": "a linked or nominated transaction account is required", "staff": "staff only", "student": "open only to students", "region_limited": "open only to people who live or work in a certain area", "closed_to_new": "the bank's feed says the product is not available to new customers" }, "generated_at": "2026-11-13T01:46:37Z", "row_count": 1271, "rows": [ { "brand": "AFG Home Loans Alpha", "brand_label": "AFG Home Loans Alpha", "brand_slug": "afg-home-loans-alpha", "legal_entity_abn": "11068049178", "product_id": "bbc91f98-05e3-4711-ab53-a984c66398a4", "product_name": "AFG Alpha Offset Account", "product_label": "AFG Alpha Offset Account", "product_slug": "afg-alpha-offset-account", "page": null, "product_url": "https://www.afghomeloans.com.au/home-loans/alpha-home-loan/", "terms_url": "https://www.bendigobank.com.au/siteassets/partner/contentpages/_documents/offset-account-terms-and-conditions.pdf", "account_type": "offset", "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": [ "linked_account" ], "conditions": [ "Must be linked to an AFG Alpha Offset Home Loan product.", "Have or have been approved for an AFG Alpha Offset Home Loan." ], "record_stale": false, "source_url": "https://api.afg.app.bendigobank.com.au/cds-au/v1/banking/products/bbc91f98-05e3-4711-ab53-a984c66398a4", "source_snapshot": "/au/finance/savings-accounts/v1/source/afg-home-loans-alpha/bbc91f98-05e3-4711-ab53-a984c66398a4.json", "bank_last_updated": "2026-11-13T11:52:15+11:00", "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": "offset_account" }, { "brand": "Alex.Bank", "brand_label": "Alex.Bank", "brand_slug": "alex-bank", "legal_entity_abn": "13627244848", "product_id": "086e30f2-dbbb-4252-a3a6-73848456b2cb", "product_name": "Savings", "product_label": "Savings", "product_slug": "savings", "page": "/au/finance/savings-accounts/accounts/alex-bank/savings/", "product_url": "https://www.alex.bank/save/", "terms_url": "https://www.alex.com.au/legal/terms-conditions-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": 250000, "notice_days": null, "bonus_conditions": [], "interest_paid": "monthly", "interest_calculated": null, "monthly_fee": 0.0, "monthly_fee_note": null, "age_min": 18, "age_max": null, "restrictions": [], "conditions": [ "not updated by the bank since 2026-05-12, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "not open to everyone yet: limited release with a waitlist", "applicants must be at least 18 years old", "online withdrawals are capped at $5,000 a day" ], 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You'll get a Customer ID and Online Banking profile.", "Verify your ID when you arrive in Australia. You'll need ID documents, such as your passport to verify your identity at a local branch." ], "record_stale": true, "source_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/TrChoiceMigrant", "source_snapshot": "/au/finance/savings-accounts/v1/source/westpac/TrChoiceMigrant.json", "bank_last_updated": "2026-10-29T02:41:56Z", "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": "Westpac", "brand_label": "Westpac", "brand_slug": "westpac", "legal_entity_abn": "33007457141", "product_id": "TrComSolOne", "product_name": "Community Solutions One", "product_label": "Community Solutions One", "product_slug": "community-solutions-one", "page": "/au/finance/savings-accounts/accounts/westpac/community-solutions-one/", "product_url": "https://www.westpac.com.au/business-banking/bank-accounts/not-for-profit-community-cheque/", "terms_url": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/bb/deposit-accts-bus-customers-tandc.pdf", "account_type": "transaction", "segments": [ "personal", "business" ], "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": 0.0, "monthly_fee_note": null, "age_min": 18, "age_max": null, "restrictions": [ "organisation_only" ], "conditions": [ "open only to clubs, not-for-profits, schools or community organisations", "Not-for-profit organisations including charities, community and sporting groups, schools, government bodies, and registered political parties" ], "record_stale": false, "source_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/TrComSolOne", "source_snapshot": "/au/finance/savings-accounts/v1/source/westpac/TrComSolOne.json", "bank_last_updated": "2026-11-04T03:46:01Z", "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": "Westpac", "brand_label": "Westpac", "brand_slug": "westpac", "legal_entity_abn": "33007457141", "product_id": "WestpacNoticeSaver", "product_name": "Westpac Notice Saver 31, 60 & 90 days", "product_label": "Notice Saver 31, 60 & 90 Days", "product_slug": "notice-saver-31-60-90-days", "page": "/au/finance/savings-accounts/accounts/westpac/notice-saver-31-60-90-days/", "product_url": "https://www.westpac.com.au/business-banking/bank-accounts/notice-saver-lp/", "terms_url": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/bb/Westpac_Notice_Saver_Combined_Financial_Services_Guide_and_PDS.pdf", "account_type": "notice", "segments": [ "personal", "smsf", "business" ], "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": 31, "bonus_conditions": [], "interest_paid": "monthly", "interest_calculated": "daily", "monthly_fee": 0.0, "monthly_fee_note": null, "age_min": 18, "age_max": null, "restrictions": [ "notice", "linked_account" ], "conditions": [ "31 days' notice to withdraw", "the feed lists several base rates for one balance; 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