{
  "segment": "personal",
  "kind": "ongoing",
  "balance": 50000,
  "generated_at": "2026-11-13T01:46:37Z",
  "data_as_of": "2026-11-13T00:52:15Z",
  "note": "The 10 highest savings account rates for this segment, rate kind and balance, one per bank, cut to the fields needed to quote them, from each bank's own product data and terms. Quote the rate with its conditions: for kind ongoing (the conditional rate) the rate is paid only in a month in which every bonus_conditions entry is met, and base_rate_pct (the base rate) is what is paid otherwise; for kind intro the rate lasts intro_months and then becomes rate_after_intro_pct. max_bonus_balance is the most that earns the bonus. record_stale means the bank has not updated the record recently. generated_at is when this file's contents last changed.",
  "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.",
  "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.",
  "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.",
  "full_ranking": "https://deepalmanac.com/au/finance/savings-accounts/v1/best/personal/ongoing/50000.json",
  "banks_ranked": 79,
  "top": [
    {"rank":1,"brand_label":"ING","brand_slug":"ing-bank-australia-ltd","product_label":"Savings Maximiser","page":"/au/finance/savings-accounts/accounts/ing-bank-australia-ltd/savings-maximiser/","account_type":"savings","rate_pct":6.0,"base_rate_pct":0.01,"bonus_rate_pct":5.99,"bonus_is_total":false,"intro_rate_pct":null,"intro_months":null,"rate_after_intro_pct":null,"max_bonus_balance":100000,"min_balance":null,"max_balance":5000000,"rate_application":"mixed","bonus_conditions":[{"type":"min_card_purchases","value":5,"text":"For customers who also have an Orange Everyday bank account and do this each month: Make 5 or more settled (not pending) eligible ING card purchases"},{"type":"balance_grows","value":0.01,"text":"For customers who also have an Orange Everyday bank account and do this each month: Grow their nominated Savings Maximiser balance (excluding interest earned for the current month)."},{"type":"min_monthly_deposit","value":1000,"text":"For customers who also have an Orange Everyday bank account and do this each month: Deposit at least $1,000 from an external source to an Orange Everyday, Savings Maximiser, Savings Accelerator, Personal Term Deposit, ING Personal Loan or ING Home Loan in your name."},{"type":"linked_account","value":null,"text":"hold an Orange Everyday bank account"}],"conditions":["5 or more card purchases a month","grow the balance each month","deposit $1,000 or more each month","hold an Orange Everyday bank account","You must be an Australian resident for taxation purposes.","closed to new applications from 1 December 2026","the bonus rate is paid in the month after the one in which the conditions are met"],"restrictions":[],"feature_tags":["app","Osko","PayID","notifications","unlimited transactions","joint accounts"],"interest_paid":"monthly","monthly_fee":0.0,"age_min":18,"age_max":null,"record_stale":false,"product_url":"https://www.ing.com.au/savings/savings-maximiser.html","terms_url":null,"bank_last_updated":"2026-11-12T13:00:00Z"},
    {"rank":2,"brand_label":"Up","brand_slug":"up","product_label":"Saver","page":"/au/finance/savings-accounts/accounts/up/saver/","account_type":"savings","rate_pct":5.85,"base_rate_pct":0.0,"bonus_rate_pct":5.85,"bonus_is_total":false,"intro_rate_pct":null,"intro_months":null,"rate_after_intro_pct":null,"max_bonus_balance":null,"min_balance":null,"max_balance":null,"rate_application":"mixed","bonus_conditions":[{"type":"min_card_purchases","value":5,"text":"5"},{"type":"max_withdrawals","value":0,"text":"0"}],"conditions":["5 or more card purchases a month","no withdrawals in the month","a saver withdrawn from in the month earns the 2.00% Flow rate instead (when the card purchases are made)"],"restrictions":[],"feature_tags":["app"],"interest_paid":"monthly","monthly_fee":null,"age_min":16,"age_max":null,"record_stale":false,"product_url":"https://up.com.au/saving","terms_url":"https://up.com.au/product-terms/","bank_last_updated":"2026-11-12T00:00:06+11:00"},
    {"rank":3,"brand_label":"Virgin Money","brand_slug":"virgin-money","product_label":"Boost Saver","page":"/au/finance/savings-accounts/accounts/virgin-money/boost-saver/","account_type":"savings","rate_pct":5.8,"base_rate_pct":0.05,"bonus_rate_pct":5.75,"bonus_is_total":false,"intro_rate_pct":null,"intro_months":null,"rate_after_intro_pct":null,"max_bonus_balance":250000,"min_balance":null,"max_balance":null,"rate_application":"whole_balance","bonus_conditions":[{"type":"min_monthly_deposit","value":1000,"text":"Deposit $1000"},{"type":"min_card_purchases","value":5,"text":"5 purchases"}],"conditions":["deposit $1,000 or more each month","5 or more card purchases a month","the bonus needs a linked Go Account in the same name with a $1,000 monthly deposit","bonus needs 5 settled Visa Debit purchases a month on the linked Go Account (direct debits and BPAY count)","14 to 17 year olds get the bonus with no monthly criteria","the extra 0.50% needs the Lock Saver feature, 18+ only, with 32 days' notice to withdraw"],"restrictions":["linked_account"],"feature_tags":["app","Osko","PayID","notifications","unlimited transactions","linked account required"],"interest_paid":"monthly","monthly_fee":0.0,"age_min":14,"age_max":null,"record_stale":false,"product_url":"https://virginmoney.com.au/bank-and-save/accounts/boost-saver.html","terms_url":"https://virginmoney.com.au/help-and-support/forms-and-important-information/bank-and-save","bank_last_updated":"2026-11-11T21:43:53Z"},
    {"rank":4,"brand_label":"AMP Bank GO","brand_slug":"amp-bank-go","product_label":"Save","page":"/au/finance/savings-accounts/accounts/amp-bank-go/save/","account_type":"savings","rate_pct":5.75,"base_rate_pct":5.75,"bonus_rate_pct":null,"bonus_is_total":null,"intro_rate_pct":null,"intro_months":null,"rate_after_intro_pct":null,"max_bonus_balance":null,"min_balance":null,"max_balance":null,"rate_application":"per_tier","bonus_conditions":[],"conditions":["Customers must have an active AMP Bank GO Everyday Account in order to open an AMP Bank GO Save account: Linked Transaction Account","no joint accounts","each rate applies only to the part of the balance within its tier, so the rate shown for a larger balance is a blend of the tiers; the part above $5,000,000 earns nothing","one Save account per customer (Savings Spaces divide it)","money moves in and out only by transfer to or from the linked AMP Bank GO Everyday Account; no direct external transfers","managed only in the AMP Bank GO app; no branch or face-to-face service"],"restrictions":["linked_account"],"feature_tags":["app","notifications","linked account required"],"interest_paid":"monthly","monthly_fee":null,"age_min":15,"age_max":null,"record_stale":false,"product_url":"https://www.amp.com.au/personal-banking/everyday-money/amp-bank-go-save","terms_url":"https://www.amp.com.au/content/dam/amp-2024/documents/terms-and-conditions/bank/amp-bank-savings-account-terms-and-conditions.pdf","bank_last_updated":"2026-11-09T01:02:08.869Z"},
    {"rank":5,"brand_label":"Rabobank","brand_slug":"rabobank","product_label":"PremiumSaver","page":"/au/finance/savings-accounts/accounts/rabobank/premiumsaver/","account_type":"savings","rate_pct":5.65,"base_rate_pct":0.8,"bonus_rate_pct":4.85,"bonus_is_total":false,"intro_rate_pct":null,"intro_months":null,"rate_after_intro_pct":null,"max_bonus_balance":null,"min_balance":0,"max_balance":null,"rate_application":"per_tier","bonus_conditions":[{"type":"balance_grows","value":200,"text":"Balance increased by $200 a month, excluding interest paid"}],"conditions":["not updated by the bank since 2026-10-13, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed","grow the balance by $200 or more each month","New customers are required to open and maintain a High Interest Savings Account (HISA) which is a variable rate at-call savings account which does not charge f…","Funds can only be transferred externally to the nominated linked account."],"restrictions":["linked_account"],"feature_tags":["app","notifications","unlimited transactions","linked account required","joint accounts"],"interest_paid":"monthly","monthly_fee":0.0,"age_min":18,"age_max":null,"record_stale":true,"product_url":"https://www.rabobank.com.au/premiumsaver/","terms_url":"https://www.rabobank.com.au/termsandconditions","bank_last_updated":"2026-10-13T05:42:17Z"},
    {"rank":6,"brand_label":"Bank of Melbourne","brand_slug":"bank-of-melbourne","product_label":"Incentive Saver","page":"/au/finance/savings-accounts/accounts/bank-of-melbourne/incentive-saver/","account_type":"savings","rate_pct":5.65,"base_rate_pct":0.01,"bonus_rate_pct":5.64,"bonus_is_total":false,"intro_rate_pct":null,"intro_months":null,"rate_after_intro_pct":null,"max_bonus_balance":null,"min_balance":null,"max_balance":null,"rate_application":"whole_balance","bonus_conditions":[{"type":"min_monthly_deposit","value":0.01,"text":"To earn Bonus interest rates, grow your account by at least $0.01 a month for customers under 21 and keep your balance above $0."},{"type":"balance_grows","value":50,"text":"To earn Bonus interest rates, grow your account by at least $50 a month for customers 21 or over and keep your balance above $0."}],"conditions":["any deposit each month","grow the balance by $50 or more each month","An account may be opened in a child's name when the child is under 14, with a parent, guardian, or grandparent as authorised signatory.","customers 21 and over get the bonus only in months the balance grows by at least $50 and never goes below zero","customers under 21 get the bonus when the balance grows by at least $0.01 in the month and never goes below zero","interest paid by the bank does not count as growth"],"restrictions":[],"feature_tags":["app"],"interest_paid":"monthly","monthly_fee":0.0,"age_min":null,"age_max":null,"record_stale":false,"product_url":"https://www.bankofmelbourne.com.au/personal/bank-accounts/savings-accounts/incentive-saver","terms_url":"https://www.bankofmelbourne.com.au/content/dam/bom/downloads/personal/bank-accounts/SavInvesTransAccounts_Terms.pdf","bank_last_updated":"2026-11-13T01:03:04Z"},
    {"rank":7,"brand_label":"BankSA","brand_slug":"banksa","product_label":"Incentive Saver","page":"/au/finance/savings-accounts/accounts/banksa/incentive-saver/","account_type":"savings","rate_pct":5.65,"base_rate_pct":0.01,"bonus_rate_pct":5.64,"bonus_is_total":false,"intro_rate_pct":null,"intro_months":null,"rate_after_intro_pct":null,"max_bonus_balance":null,"min_balance":null,"max_balance":null,"rate_application":"whole_balance","bonus_conditions":[{"type":"min_monthly_deposit","value":0.01,"text":"To earn Bonus interest rates, grow your account by at least $0.01 a month for customers under 21 and keep your balance above $0."},{"type":"balance_grows","value":50,"text":"To earn Bonus interest rates, grow your account by at least $50 a month for customers 21 or over and keep your balance above $0."}],"conditions":["any deposit each month","grow the balance by $50 or more each month","An account may be opened in a child's name when the child is under 14, with a parent, guardian, or grandparent as authorised signatory.","bonus needs the balance to grow by $50 in the month (customers 21 or over) or $0.01 (under 21), with the balance never below $0; interest payments do not count as growth","deposits must be settled by 9:59pm Sydney time on the last business day of the month to count","on a joint account the $0.01 growth rule applies only if all holders are under 21"],"restrictions":[],"feature_tags":["app"],"interest_paid":"monthly","monthly_fee":0.0,"age_min":null,"age_max":null,"record_stale":false,"product_url":"https://www.banksa.com.au/personal/bank-accounts/savings-accounts/incentive-saver","terms_url":"https://www.banksa.com.au/content/dam/bsa/downloads/personal/bank-accounts/SavInvesTransAccounts_Terms.pdf","bank_last_updated":"2026-11-13T01:03:04Z"},
    {"rank":8,"brand_label":"St.George Bank","brand_slug":"st-george-bank","product_label":"Incentive Saver","page":"/au/finance/savings-accounts/accounts/st-george-bank/incentive-saver/","account_type":"savings","rate_pct":5.65,"base_rate_pct":0.01,"bonus_rate_pct":5.64,"bonus_is_total":false,"intro_rate_pct":null,"intro_months":null,"rate_after_intro_pct":null,"max_bonus_balance":null,"min_balance":null,"max_balance":null,"rate_application":"whole_balance","bonus_conditions":[{"type":"min_monthly_deposit","value":0.01,"text":"To earn Bonus interest rates, grow your account by at least $0.01 a month for customers under 21 and keep your balance above $0."},{"type":"balance_grows","value":50,"text":"To earn Bonus interest rates, grow your account by at least $50 a month for customers 21 or over and keep your balance above $0."}],"conditions":["any deposit each month","grow the balance by $50 or more each month","An account may be opened in a child's name when the child is under 14, with a parent, guardian, or grandparent as authorised signatory.","the bonus needs the balance to grow by $50 a month ($0.01 if under 21), the balance must not fall below $0, and interest does not count"],"restrictions":[],"feature_tags":["app"],"interest_paid":"monthly","monthly_fee":0.0,"age_min":null,"age_max":null,"record_stale":false,"product_url":"https://www.stgeorge.com.au/personal/bank-accounts/savings-accounts/incentive-saver","terms_url":"https://www.stgeorge.com.au/content/dam/stg/downloads/personal/bank-accounts/SavInvesTransAccounts_Terms.pdf","bank_last_updated":"2026-11-13T01:03:04Z"},
    {"rank":9,"brand_label":"ANZ Plus","brand_slug":"anz-plus","product_label":"Growth Saver","page":"/au/finance/savings-accounts/accounts/anz-plus/growth-saver/","account_type":"savings","rate_pct":5.6,"base_rate_pct":0.1,"bonus_rate_pct":5.5,"bonus_is_total":false,"intro_rate_pct":null,"intro_months":null,"rate_after_intro_pct":null,"max_bonus_balance":null,"min_balance":null,"max_balance":null,"rate_application":"whole_balance","bonus_conditions":[{"type":"balance_grows","value":100,"text":"Grow your savings by $100 or more (on top of any interest you receive) each month to earn a bonus rate with ANZ Plus Growth Saver"}],"conditions":["grow the balance by $100 or more each month","new ANZ Plus customers must link an ANZ Plus Everyday account"],"restrictions":["linked_account"],"feature_tags":["app","Osko","unlimited transactions"],"interest_paid":"monthly","monthly_fee":null,"age_min":15,"age_max":null,"record_stale":false,"product_url":"https://anz.com/plus/products","terms_url":"https://anz.com/plus/terms","bank_last_updated":"2026-11-12T13:00:00.000Z"},
    {"rank":10,"brand_label":"Suncorp Bank","brand_slug":"suncorp-bank","product_label":"Growth Saver Account","page":"/au/finance/savings-accounts/accounts/suncorp-bank/growth-saver-account/","account_type":"savings","rate_pct":5.6,"base_rate_pct":0.1,"bonus_rate_pct":5.5,"bonus_is_total":false,"intro_rate_pct":null,"intro_months":null,"rate_after_intro_pct":null,"max_bonus_balance":null,"min_balance":null,"max_balance":null,"rate_application":"whole_balance","bonus_conditions":[{"type":"balance_grows","value":200,"text":"Minimum balance increase per month of $200"},{"type":"max_withdrawals","value":1,"text":"Maximum of 1 withdrawal per month"}],"conditions":["grow the balance by $200 or more each month","no more than 1 withdrawal in the month"],"restrictions":[],"feature_tags":["app","Osko","PayID","unlimited transactions"],"interest_paid":"monthly","monthly_fee":0.0,"age_min":11,"age_max":null,"record_stale":false,"product_url":"https://www.suncorpbank.com.au/bank-and-save/savings-accounts/growth-saver.html","terms_url":"https://www.suncorpbank.com.au/content/dam/suncorp/bank/documents/product-information/personal-deposit-account-pid.pdf","bank_last_updated":"2026-11-11T13:00:00.000Z"}
  ],
  "top_all_note": "Accounts limited by age, to pension recipients, to certain occupations or lenders open only to them, to organisations of a kind and to adviser or intermediary platforms (restrictions age_limited, pensioner, occupation_membership, organisation_only, via_third_party) are left out of top. Including them changes this top 10: top_all is the ranking with them in.",
  "top_all": [
    {"rank":1,"brand_label":"Newcastle Permanent","brand_slug":"newcastle-permanent","product_label":"Smart Saver Account (Under 25)","page":"/au/finance/savings-accounts/accounts/newcastle-permanent/smart-saver-account-under-25/","account_type":"savings","rate_pct":6.25,"base_rate_pct":0.05,"bonus_rate_pct":6.2,"bonus_is_total":false,"intro_rate_pct":null,"intro_months":null,"rate_after_intro_pct":null,"max_bonus_balance":null,"min_balance":null,"max_balance":null,"rate_application":"mixed","bonus_conditions":[],"conditions":["bonus conditions not stated in the feed","age 24 and under"],"restrictions":["age_limited"],"feature_tags":["card","app","Osko","PayID","BPAY","unlimited transactions","wallets: Apple Pay, Google Pay","2 free transactions a month"],"interest_paid":"monthly","monthly_fee":null,"age_min":null,"age_max":24,"record_stale":false,"product_url":"https://www.newcastlepermanent.com.au/personal/saving-accounts/smart-saver-for-under-25s-account","terms_url":"https://www.newcastlepermanent.com.au/tools-and-services/terms-and-conditions","bank_last_updated":"2026-11-13T00:00:00+11:00"},
    {"rank":2,"brand_label":"ING","brand_slug":"ing-bank-australia-ltd","product_label":"Savings Maximiser","page":"/au/finance/savings-accounts/accounts/ing-bank-australia-ltd/savings-maximiser/","account_type":"savings","rate_pct":6.0,"base_rate_pct":0.01,"bonus_rate_pct":5.99,"bonus_is_total":false,"intro_rate_pct":null,"intro_months":null,"rate_after_intro_pct":null,"max_bonus_balance":100000,"min_balance":null,"max_balance":5000000,"rate_application":"mixed","bonus_conditions":[{"type":"min_card_purchases","value":5,"text":"For customers who also have an Orange Everyday bank account and do this each month: Make 5 or more settled (not pending) eligible ING card purchases"},{"type":"balance_grows","value":0.01,"text":"For customers who also have an Orange Everyday bank account and do this each month: Grow their nominated Savings Maximiser balance (excluding interest earned for the current month)."},{"type":"min_monthly_deposit","value":1000,"text":"For customers who also have an Orange Everyday bank account and do this each month: Deposit at least $1,000 from an external source to an Orange Everyday, Savings Maximiser, Savings Accelerator, Personal Term Deposit, ING Personal Loan or ING Home Loan in your name."},{"type":"linked_account","value":null,"text":"hold an Orange Everyday bank account"}],"conditions":["5 or more card purchases a month","grow the balance each month","deposit $1,000 or more each month","hold an Orange Everyday bank account","You must be an Australian resident for taxation purposes.","closed to new applications from 1 December 2026","the bonus rate is paid in the month after the one in which the conditions are met"],"restrictions":[],"feature_tags":["app","Osko","PayID","notifications","unlimited transactions","joint accounts"],"interest_paid":"monthly","monthly_fee":0.0,"age_min":18,"age_max":null,"record_stale":false,"product_url":"https://www.ing.com.au/savings/savings-maximiser.html","terms_url":null,"bank_last_updated":"2026-11-12T13:00:00Z"},
    {"rank":3,"brand_label":"RACQ Bank","brand_slug":"racq-bank","product_label":"Bonus Saver Account","page":"/au/finance/savings-accounts/accounts/racq-bank/bonus-saver-account/","account_type":"savings","rate_pct":6.0,"base_rate_pct":0.01,"bonus_rate_pct":6.0,"bonus_is_total":true,"intro_rate_pct":null,"intro_months":null,"rate_after_intro_pct":null,"max_bonus_balance":null,"min_balance":null,"max_balance":null,"rate_application":"whole_balance","bonus_conditions":[{"type":"min_monthly_deposit","value":100,"text":"100.00"},{"type":"max_withdrawals","value":0,"text":"0"}],"conditions":["not updated by the bank since 2026-10-12, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed","deposit $100 or more each month","no withdrawals in the month","Bonus Saver accounts are restricted to maximum 2 owned per member.","a Queensland residential address is required"],"restrictions":["region_limited"],"feature_tags":["app","Osko","PayID","unlimited transactions"],"interest_paid":"monthly","monthly_fee":null,"age_min":13,"age_max":null,"record_stale":true,"product_url":"https://www.racq.com.au/banking/support-and-faqs/forms-documents","terms_url":null,"bank_last_updated":"2026-10-12T22:13:30Z"},
    {"rank":4,"brand_label":"IMB Bank","brand_slug":"imb-bank","product_label":"Reward Saver Kick Start","page":"/au/finance/savings-accounts/accounts/imb-bank/reward-saver-kick-start/","account_type":"savings","rate_pct":5.85,"base_rate_pct":0.0,"bonus_rate_pct":5.85,"bonus_is_total":false,"intro_rate_pct":null,"intro_months":null,"rate_after_intro_pct":null,"max_bonus_balance":1000000,"min_balance":1,"max_balance":null,"rate_application":"per_tier","bonus_conditions":[{"type":"other","value":null,"text":"For Reward Saver Kick Start accounts opened prior to 1 September 2021, the Fixed Bonus Interest Rate continues to apply. Can be converted to the Kick Start Bonus Interest Rate on request. The Fixed Bonus Interest Rate is payable on balances from $0-$4999 at 1.00% p.a. Bonus interest criteria applies."},{"type":"min_monthly_deposit","value":20,"text":"$20 deposit"},{"type":"max_withdrawals","value":0,"text":"no withdrawals"}],"conditions":["For Reward Saver Kick Start accounts opened prior to 1 September 2021, the Fixed Bonus Interest Rate continues to apply. Can be converted to the Kick Start Bon…","deposit $20 or more each month","no withdrawals in the month","ages 13 to 29","Maximum withdrawals permitted before Bonus Interest is forfeited for the month: 0","age 29 and under","must be an Australian resident with an Australian residential address","if the holder becomes too old the account converts to a standard Reward Saver account and loses the Kick Start bonus"],"restrictions":["age_limited"],"feature_tags":["card","app","Osko","PayID","PayTo","BPAY","notifications","wallets: Apple Pay., Garmin Pay., Google Pay., Samsung Pay."],"interest_paid":"monthly","monthly_fee":null,"age_min":13,"age_max":29,"record_stale":false,"product_url":"https://www.imb.com.au/banking/saving-accounts/reward-saver-kick-start-account","terms_url":"https://www.imb.com.au/important-information","bank_last_updated":"2026-11-13T00:00:00+11:00"},
    {"rank":5,"brand_label":"Up","brand_slug":"up","product_label":"Saver","page":"/au/finance/savings-accounts/accounts/up/saver/","account_type":"savings","rate_pct":5.85,"base_rate_pct":0.0,"bonus_rate_pct":5.85,"bonus_is_total":false,"intro_rate_pct":null,"intro_months":null,"rate_after_intro_pct":null,"max_bonus_balance":null,"min_balance":null,"max_balance":null,"rate_application":"mixed","bonus_conditions":[{"type":"min_card_purchases","value":5,"text":"5"},{"type":"max_withdrawals","value":0,"text":"0"}],"conditions":["5 or more card purchases a month","no withdrawals in the month","a saver withdrawn from in the month earns the 2.00% Flow rate instead (when the card purchases are made)"],"restrictions":[],"feature_tags":["app"],"interest_paid":"monthly","monthly_fee":null,"age_min":16,"age_max":null,"record_stale":false,"product_url":"https://up.com.au/saving","terms_url":"https://up.com.au/product-terms/","bank_last_updated":"2026-11-12T00:00:06+11:00"},
    {"rank":6,"brand_label":"Virgin Money","brand_slug":"virgin-money","product_label":"Boost Saver","page":"/au/finance/savings-accounts/accounts/virgin-money/boost-saver/","account_type":"savings","rate_pct":5.8,"base_rate_pct":0.05,"bonus_rate_pct":5.75,"bonus_is_total":false,"intro_rate_pct":null,"intro_months":null,"rate_after_intro_pct":null,"max_bonus_balance":250000,"min_balance":null,"max_balance":null,"rate_application":"whole_balance","bonus_conditions":[{"type":"min_monthly_deposit","value":1000,"text":"Deposit $1000"},{"type":"min_card_purchases","value":5,"text":"5 purchases"}],"conditions":["deposit $1,000 or more each month","5 or more card purchases a month","the bonus needs a linked Go Account in the same name with a $1,000 monthly deposit","bonus needs 5 settled Visa Debit purchases a month on the linked Go Account (direct debits and BPAY count)","14 to 17 year olds get the bonus with no monthly criteria","the extra 0.50% needs the Lock Saver feature, 18+ only, with 32 days' notice to withdraw"],"restrictions":["linked_account"],"feature_tags":["app","Osko","PayID","notifications","unlimited transactions","linked account required"],"interest_paid":"monthly","monthly_fee":0.0,"age_min":14,"age_max":null,"record_stale":false,"product_url":"https://virginmoney.com.au/bank-and-save/accounts/boost-saver.html","terms_url":"https://virginmoney.com.au/help-and-support/forms-and-important-information/bank-and-save","bank_last_updated":"2026-11-11T21:43:53Z"},
    {"rank":7,"brand_label":"AMP Bank GO","brand_slug":"amp-bank-go","product_label":"Save","page":"/au/finance/savings-accounts/accounts/amp-bank-go/save/","account_type":"savings","rate_pct":5.75,"base_rate_pct":5.75,"bonus_rate_pct":null,"bonus_is_total":null,"intro_rate_pct":null,"intro_months":null,"rate_after_intro_pct":null,"max_bonus_balance":null,"min_balance":null,"max_balance":null,"rate_application":"per_tier","bonus_conditions":[],"conditions":["Customers must have an active AMP Bank GO Everyday Account in order to open an AMP Bank GO Save account: Linked Transaction Account","no joint accounts","each rate applies only to the part of the balance within its tier, so the rate shown for a larger balance is a blend of the tiers; the part above $5,000,000 earns nothing","one Save account per customer (Savings Spaces divide it)","money moves in and out only by transfer to or from the linked AMP Bank GO Everyday Account; no direct external transfers","managed only in the AMP Bank GO app; no branch or face-to-face service"],"restrictions":["linked_account"],"feature_tags":["app","notifications","linked account required"],"interest_paid":"monthly","monthly_fee":null,"age_min":15,"age_max":null,"record_stale":false,"product_url":"https://www.amp.com.au/personal-banking/everyday-money/amp-bank-go-save","terms_url":"https://www.amp.com.au/content/dam/amp-2024/documents/terms-and-conditions/bank/amp-bank-savings-account-terms-and-conditions.pdf","bank_last_updated":"2026-11-09T01:02:08.869Z"},
    {"rank":8,"brand_label":"Australian Mutual Bank","brand_slug":"australian-mutual-bank-ltd","product_label":"Starter Saver Account","page":"/au/finance/savings-accounts/accounts/australian-mutual-bank-ltd/starter-saver-account/","account_type":"savings","rate_pct":5.75,"base_rate_pct":5.75,"bonus_rate_pct":null,"bonus_is_total":null,"intro_rate_pct":null,"intro_months":null,"rate_after_intro_pct":null,"max_bonus_balance":null,"min_balance":null,"max_balance":null,"rate_application":"per_tier","bonus_conditions":[],"conditions":["age 29 and under","Membership limited to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of the Bank (the lender's words)","You must be a member. Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of…","open to members under 30, or university students of any age studying full or part time at an Australian university"],"restrictions":["occupation_membership","age_limited"],"feature_tags":["app","Osko","PayID","notifications","unlimited transactions"],"interest_paid":"monthly","monthly_fee":null,"age_min":null,"age_max":29,"record_stale":false,"product_url":"https://australianmutual.bank/banking/savings-accounts/starter-saver/","terms_url":"https://australianmutual.bank/about-us/disclosures-and-reports/","bank_last_updated":"2026-11-12T07:34:03.000+11:00"},
    {"rank":9,"brand_label":"Firefighters Mutual Bank","brand_slug":"firefighters-mutual-bank","product_label":"Starter Saver Account","page":"/au/finance/savings-accounts/accounts/firefighters-mutual-bank/starter-saver-account/","account_type":"savings","rate_pct":5.75,"base_rate_pct":5.75,"bonus_rate_pct":null,"bonus_is_total":null,"intro_rate_pct":null,"intro_months":null,"rate_after_intro_pct":null,"max_bonus_balance":null,"min_balance":null,"max_balance":null,"rate_application":"per_tier","bonus_conditions":[],"conditions":["age 29 and under","Membership limited to citizens or permanent residents of Australia who are current or retired employees or volunteers in the Australian emergency services sector or are family members of members (i.e. shareholders) of the… (the lender's words)","You must be a member. Membership is open to citizens or permanent residents of Australia who are current or retired employees or volunteers in the Australian e…","must be an Australian citizen or permanent resident employed in, retired from, or volunteering in emergency services, or immediate family of a member","under 30, or a university student of any age (full or part time)","at 30 the account moves to Essential Saver (5.25%, lower than Starter Saver on the first $50,000)"],"restrictions":["occupation_membership","age_limited"],"feature_tags":["app","Osko","PayID","notifications","unlimited transactions"],"interest_paid":"monthly","monthly_fee":null,"age_min":null,"age_max":29,"record_stale":false,"product_url":"https://www.fmbank.com.au/banking/starter-saver","terms_url":"https://www.fmbank.com.au/content/dam/documents/collateral/conditions-of-use.pdf","bank_last_updated":"2026-11-12T07:34:03.000+11:00"},
    {"rank":10,"brand_label":"Greater Bank","brand_slug":"greater-bank","product_label":"Life Saver","page":"/au/finance/savings-accounts/accounts/greater-bank/life-saver/","account_type":"savings","rate_pct":5.75,"base_rate_pct":5.75,"bonus_rate_pct":null,"bonus_is_total":null,"intro_rate_pct":null,"intro_months":null,"rate_after_intro_pct":null,"max_bonus_balance":null,"min_balance":1,"max_balance":null,"rate_application":"whole_balance","bonus_conditions":[],"conditions":["age 25 and under","Must be identifiable in terms of legislative requirements"],"restrictions":["age_limited"],"feature_tags":["app","Osko","PayID","notifications","unlimited transactions"],"interest_paid":"monthly","monthly_fee":null,"age_min":null,"age_max":25,"record_stale":false,"product_url":"https://www.greater.com.au/personal/savings-accounts/life-saver","terms_url":"https://www.greater.com.au/termsandconditions","bank_last_updated":"2026-11-12T13:00:00Z"}
  ]
}