{
 "brand": "Westpac",
 "brand_label": "Westpac",
 "brand_slug": "westpac",
 "legal_entity_abn": "33007457141",
 "logo_uri": "https://banking.westpac.com.au/wbc/banking/Themes/Default/Desktop/WBC/Core/Images/logo_white_bg.png.ce5c4c19ec61b56796f0e218fc8329c558421fd8.png",
 "public_base_uri": "https://digital-api.westpac.com.au",
 "bank_last_updated": "2026-10-02T02:17:10Z",
 "status": "no_products",
 "source": "Consumer Data Right Product Reference Data APIs (public, unauthenticated)",
 "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; check the bank's page before acting. This is not financial advice.",
 "products": [
  {
   "product_id": "TDForeignCurrencyTermDeposit",
   "product_name": "Foreign Currency Term Deposit",
   "product_label": "Foreign Currency Term Deposit",
   "segment": "other",
   "segments": [
    "other"
   ],
   "segments_inferred": [],
   "product_url": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/bb/WBC-ForeignCurrencyTermDepositPDS_Mar_2020.pdf",
   "source_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/TDForeignCurrencyTermDeposit",
   "source_snapshot": "/au/finance/term-deposits/v1/source/westpac/TDForeignCurrencyTermDeposit.json",
   "snapshot_at": "2026-10-02T09:51:11Z",
   "description": "A Foreign Currency Term Deposit (FCTD) is a type of term deposit product that allows you to invest foreign currency with Westpac for a fixed term. Westpac pays you interest at a fixed interest rate for the duration of the Foreign Currency Term Deposit.",
   "min_balance": 50000.0,
   "max_balance": null,
   "conditions": [
    "Foreign Currency Term Deposits are available for both personal and business customers. Foreign Currency Term Deposits can only be opened in the name of one leg…"
   ],
   "bank_last_updated": "2026-10-02T02:17:10Z",
   "rate_count": 0,
   "addons": [],
   "no_rates_reason": "no deposit rates published"
  },
  {
   "product_id": "TDTermDeposit",
   "product_name": "Term Deposit",
   "product_label": "Term Deposit",
   "segment": "personal",
   "segments": [
    "personal",
    "business"
   ],
   "segments_inferred": [],
   "product_url": "https://www.westpac.com.au/bank-accounts/term-deposit",
   "source_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/TDTermDeposit",
   "source_snapshot": "/au/finance/term-deposits/v1/source/westpac/TDTermDeposit.json",
   "snapshot_at": "2026-10-02T09:51:11Z",
   "description": "Term Deposit Fixed Rate Savings. After a fixed return on your investment? Open or renew a Term Deposit now online or in-branch.",
   "min_balance": 5000.0,
   "max_balance": 2000000.0,
   "conditions": [
    "Personal customers of all ages. If the Account Holder is under 14, the account must be opened by an adult authorised signatory. Account Holders under 12 are no…",
    "Online Application - To open a Term Deposit online, you need to be an Existing customer with a Westpac Choice account, Individual or sole trader."
   ],
   "bank_last_updated": "2026-09-21T00:44:33Z",
   "rate_count": 82,
   "addons": [
    {
     "increment": 0.001,
     "increment_pct": 0.1,
     "applies_min_months": null,
     "applies_max_months": null,
     "condition": "online bonus: open or renew online",
     "online": true,
     "rate_type": "BONUS",
     "term_raw": "P1D",
     "text": "An additional online bonus rate will be added when you open or renew online. Applies across any rate and term, as well as on our special rate offer for terms mentioned above. Rate applies for a single term. Higher or lower rates may apply for subsequent terms. Rate will not be automatically applied…"
    }
   ],
   "no_rates_reason": null
  },
  {
   "product_id": "TDBusTermDeposit",
   "product_name": "Business Term Deposit",
   "product_label": "Business Term Deposit",
   "segment": "business",
   "segments": [
    "business"
   ],
   "segments_inferred": [],
   "product_url": "https://www.westpac.com.au/business-banking/savings-accounts/term-deposits/",
   "source_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/TDBusTermDeposit",
   "source_snapshot": "/au/finance/term-deposits/v1/source/westpac/TDBusTermDeposit.json",
   "snapshot_at": "2026-10-02T09:51:11Z",
   "description": "A Westpac Business Term Deposit invest surplus funds for a fixed term and enjoy the certainty of a guaranteed return.",
   "min_balance": 5000.0,
   "max_balance": 2000000.0,
   "conditions": [
    "Ensure every signatory on an account is identified according to Westpac's ID standard"
   ],
   "bank_last_updated": "2026-09-21T00:44:33Z",
   "rate_count": 82,
   "addons": [
    {
     "increment": 0.001,
     "increment_pct": 0.1,
     "applies_min_months": null,
     "applies_max_months": null,
     "condition": "online bonus: open or renew online",
     "online": true,
     "rate_type": "BONUS",
     "term_raw": "P1D",
     "text": "An additional online bonus rate will be added when you open or renew online. Applies across any rate and term, as well as on our special rate offer for terms mentioned above. Rate applies for a single term. Higher or lower rates may apply for subsequent terms. Rate will not be automatically applied…"
    }
   ],
   "no_rates_reason": null
  },
  {
   "product_id": "FarmManagementDepositAccount",
   "product_name": "Farm Management Deposit account",
   "product_label": "Farm Management Deposit Account",
   "segment": "other",
   "segments": [
    "other"
   ],
   "segments_inferred": [],
   "product_url": "https://www.westpac.com.au/business-banking/savings-accounts/agri-farm-management-deposit/",
   "source_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/FarmManagementDepositAccount",
   "source_snapshot": "/au/finance/term-deposits/v1/source/westpac/FarmManagementDepositAccount.json",
   "snapshot_at": "2026-10-02T09:51:11Z",
   "description": "The FMD scheme is a government initiative that helps farmers save money during good years. This money can be used later in tough times to help keep their income.",
   "min_balance": 1000.0,
   "max_balance": 800000.0,
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    "Individual primary producer earning no more than $100,000 p.a. in non-farm income in the year of the FMD deposit",
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    "You must comply with the ATO Farm Management Deposits Scheme special legislative requirements."
   ],
   "bank_last_updated": "2026-08-19T08:58:35Z",
   "rate_count": 42,
   "addons": [],
   "no_rates_reason": null
  }
 ],
 "rows": [
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   "segments_inferred": [],
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    "online bonus: open or renew online"
   ],
   "additional_info": "Includes +0.10% bonus: An additional online bonus rate will be added when you open or renew online. Applies across any rate and term, as well as on our special rate offer for terms mentioned above. Rate applies for a single term. Higher or lower rates may apply for subsequent terms. Rate will not b…",
   "stacked_bonus": 0.001,
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   "source_snapshot": "/au/finance/term-deposits/v1/source/westpac/TDTermDeposit.json",
   "bank_last_updated": "2026-09-21T00:44:33Z"
  },
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   "product_label": "Term Deposit",
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   "segments": [
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    "business"
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   "segments_inferred": [],
   "term_raw": "P1M",
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   "term_min_months": 1,
   "term_max_months": 1,
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   "term_days_min": null,
   "term_days_max": null,
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   "rate_type": "FIXED+BONUS",
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   "tier_max": null,
   "min_balance": 5000.0,
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   "deposit_max": 2000000.0,
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   "conditional": true,
   "conditions": [
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   ],
   "additional_info": "Includes +0.10% bonus: An additional online bonus rate will be added when you open or renew online. Applies across any rate and term, as well as on our special rate offer for terms mentioned above. Rate applies for a single term. Higher or lower rates may apply for subsequent terms. Rate will not b…",
   "stacked_bonus": 0.001,
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   "source_snapshot": "/au/finance/term-deposits/v1/source/westpac/TDTermDeposit.json",
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  },
  {
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   "brand_label": "Westpac",
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   "term_min_months": 1,
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   "term_days_min": null,
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   "rate_type": "FIXED+BONUS",
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   "source_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/TDBusTermDeposit",
   "source_snapshot": "/au/finance/term-deposits/v1/source/westpac/TDBusTermDeposit.json",
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  {
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   "brand_label": "Westpac",
   "brand_slug": "westpac",
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   "deposit_min": 5000.0,
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   "conditions": [
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    "online bonus: open or renew online"
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   "source_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/TDBusTermDeposit",
   "source_snapshot": "/au/finance/term-deposits/v1/source/westpac/TDBusTermDeposit.json",
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   "product_name": "Term Deposit",
   "product_label": "Term Deposit",
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   "segments_inferred": [],
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   "additional_info": "Interest paid at maturity",
   "stacked_bonus": null,
   "source_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/TDTermDeposit",
   "source_snapshot": "/au/finance/term-deposits/v1/source/westpac/TDTermDeposit.json",
   "bank_last_updated": "2026-09-21T00:44:33Z"
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  {
   "brand": "Westpac",
   "brand_label": "Westpac",
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   "product_name": "Term Deposit",
   "product_label": "Term Deposit",
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   "segments_inferred": [],
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   "additional_info": "Interest paid monthly",
   "stacked_bonus": null,
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   "source_snapshot": "/au/finance/term-deposits/v1/source/westpac/TDTermDeposit.json",
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   "brand_label": "Westpac",
   "brand_slug": "westpac",
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   "product_name": "Business Term Deposit",
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   "product_url": "https://www.westpac.com.au/business-banking/savings-accounts/term-deposits/",
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   "segments": [
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   "deposit_min": 5000.0,
   "deposit_max": 2000000.0,
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   "conditional": true,
   "conditions": [
    "Ensure every signatory on an account is identified according to Westpac's ID standard"
   ],
   "additional_info": "Interest paid at maturity",
   "stacked_bonus": null,
   "source_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/TDBusTermDeposit",
   "source_snapshot": "/au/finance/term-deposits/v1/source/westpac/TDBusTermDeposit.json",
   "bank_last_updated": "2026-09-21T00:44:33Z"
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  {
   "brand": "Westpac",
   "brand_label": "Westpac",
   "brand_slug": "westpac",
   "legal_entity_abn": "33007457141",
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   "product_url": "https://www.westpac.com.au/business-banking/savings-accounts/term-deposits/",
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   "segments": [
    "business"
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   "segments_inferred": [],
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   "term_min_months": 1,
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   "rate": 0.014,
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    "Ensure every signatory on an account is identified according to Westpac's ID standard"
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   "additional_info": "Interest paid monthly",
   "stacked_bonus": null,
   "source_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/TDBusTermDeposit",
   "source_snapshot": "/au/finance/term-deposits/v1/source/westpac/TDBusTermDeposit.json",
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  },
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   "brand": "Westpac",
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   "product_name": "Farm Management Deposit account",
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   "additional_info": "Interest paid at maturity",
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   "source_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/FarmManagementDepositAccount",
   "source_snapshot": "/au/finance/term-deposits/v1/source/westpac/FarmManagementDepositAccount.json",
   "bank_last_updated": "2026-08-19T08:58:35Z"
  },
  {
   "brand": "Westpac",
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   "brand_slug": "westpac",
   "legal_entity_abn": "33007457141",
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   "product_name": "Farm Management Deposit account",
   "product_label": "Farm Management Deposit Account",
   "product_url": "https://www.westpac.com.au/business-banking/savings-accounts/agri-farm-management-deposit/",
   "segment": "other",
   "segments": [
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