{
 "query": {
  "balance": 37000,
  "segment": "personal",
  "rate": "ongoing",
  "restricted_included": [],
  "limit": 10
 },
 "method": "exact_balance",
 "method_note": "Every savings account open to personal account holders, at $37,000 and ranked by the conditional rate (every bonus condition met, no introductory period), one per bank (its highest; then the highest base rate, the lowest monthly fee, the name), highest first. Whole-balance tiers pay the tier the balance is in; stepped tiers are blended over the balance. Rates are per annum, before tax, as each bank's Consumer Data Right feed states them. A conditional rate is paid only in a month in which every bonus condition is met; quote bonus_conditions (the bank's whole sentences; conditions is the short form) and if_conditions_missed_pct. who_can_open says who may open each account, in the bank's words; apply says whether it can be opened with the bank directly. summary gathers the figures to quote and what qualifies them (rate_conditional: paid only in a month the bonus conditions are met; base_rate_pct is paid otherwise).",
 "generated_at": "2026-11-13T01:46:37Z",
 "data_as_of": "2026-11-13T00:52:15Z",
 "banks_ranked": 79,
 "banks_not_ranked": {
  "restricted": 12
 },
 "not_ranked": [
  {
   "brand_label": "Australian Mutual Bank",
   "brand_slug": "australian-mutual-bank-ltd",
   "reason": "restricted",
   "kinds": [
    "age",
    "occupation",
    "pension"
   ],
   "note": "Only accounts for certain groups (age, occupation, pension); add include=age,occupation,pension if the reader belongs to them."
  },
  {
   "brand_label": "BOQ Specialist",
   "brand_slug": "boq-specialist",
   "reason": "restricted",
   "kinds": [
    "occupation"
   ],
   "note": "Only accounts for certain groups (occupation); add include=occupation if the reader belongs to them."
  },
  {
   "brand_label": "BankVic",
   "brand_slug": "bankvic",
   "reason": "restricted",
   "kinds": [
    "age",
    "occupation",
    "pension"
   ],
   "note": "Only accounts for certain groups (age, occupation, pension); add include=age,occupation,pension if the reader belongs to them."
  },
  {
   "brand_label": "Fire Service Credit Union",
   "brand_slug": "fire-service-credit-union",
   "reason": "restricted",
   "kinds": [
    "age",
    "occupation",
    "pension"
   ],
   "note": "Only accounts for certain groups (age, occupation, pension); add include=age,occupation,pension if the reader belongs to them."
  },
  {
   "brand_label": "Firefighters Mutual Bank",
   "brand_slug": "firefighters-mutual-bank",
   "reason": "restricted",
   "kinds": [
    "age",
    "occupation",
    "pension"
   ],
   "note": "Only accounts for certain groups (age, occupation, pension); add include=age,occupation,pension if the reader belongs to them."
  },
  {
   "brand_label": "Health Professionals Bank",
   "brand_slug": "health-professionals-bank",
   "reason": "restricted",
   "kinds": [
    "age",
    "occupation",
    "pension"
   ],
   "note": "Only accounts for certain groups (age, occupation, pension); add include=age,occupation,pension if the reader belongs to them."
  },
  {
   "brand_label": "QBank",
   "brand_slug": "qbank",
   "reason": "restricted",
   "kinds": [
    "age",
    "existing_customers",
    "occupation",
    "pension"
   ],
   "note": "Only accounts for certain groups (age, existing_customers, occupation, pension); add include=age,existing_customers,occupation,pension if the reader belongs to them."
  },
  {
   "brand_label": "RACQ Bank",
   "brand_slug": "racq-bank",
   "reason": "restricted",
   "kinds": [
    "region"
   ],
   "note": "Only accounts for certain groups (region); add include=region if the reader belongs to them."
  },
  {
   "brand_label": "Teachers Mutual Bank",
   "brand_slug": "teachers-mutual-bank",
   "reason": "restricted",
   "kinds": [
    "age",
    "occupation",
    "pension"
   ],
   "note": "Only accounts for certain groups (age, occupation, pension); add include=age,occupation,pension if the reader belongs to them."
  },
  {
   "brand_label": "Traditional Credit Union",
   "brand_slug": "traditional-credit-union",
   "reason": "restricted",
   "kinds": [
    "age"
   ],
   "note": "Only accounts for certain groups (age); add include=age if the reader belongs to them."
  },
  {
   "brand_label": "UniBank",
   "brand_slug": "unibank",
   "reason": "restricted",
   "kinds": [
    "age",
    "occupation",
    "pension"
   ],
   "note": "Only accounts for certain groups (age, occupation, pension); add include=age,occupation,pension if the reader belongs to them."
  },
  {
   "brand_label": "Woolworths Team Bank",
   "brand_slug": "woolworths-team-bank",
   "reason": "restricted",
   "kinds": [
    "occupation"
   ],
   "note": "Only accounts for certain groups (occupation); add include=occupation if the reader belongs to them."
  }
 ],
 "not_ranked_note": "Every bank with a savings account for this segment that is not in results, and why: below_minimum (minimum: the lowest balance it takes), above_maximum (maximum: the highest), no_rate (no rate at this balance for this rate type) or restricted (kinds: only accounts for groups the reader was not said to belong to; include=<kinds> ranks them) or filtered (filters: every account that would rank is left out by linked_account=no or new_customers_only=exclude).",
 "caution": "Bonus interest is paid only in the months the account's conditions are met; an introductory rate ends after intro_months. record_stale marks a bank that has not updated its feed since the last cash rate change.",
 "before_answering": "https://deepalmanac.com/au/finance/savings-accounts/v1/questions.json",
 "restricted": {
  "included": [],
  "left_out": [
   {
    "kind": "age",
    "accounts": 118,
    "banks": 64
   },
   {
    "kind": "existing_customers",
    "accounts": 9,
    "banks": 7
   },
   {
    "kind": "occupation",
    "accounts": 52,
    "banks": 15
   },
   {
    "kind": "organisation",
    "accounts": 1,
    "banks": 1
   },
   {
    "kind": "pension",
    "accounts": 24,
    "banks": 24
   },
   {
    "kind": "platform",
    "accounts": 4,
    "banks": 4
   },
   {
    "kind": "region",
    "accounts": 3,
    "banks": 2
   },
   {
    "kind": "student",
    "accounts": 2,
    "banks": 1
   }
  ],
  "note": "Accounts limited to a group (by age, pension, student, occupation, staff, organisation, region, existing customers, or opened only through a platform) are ranked only for the kinds in included; left_out counts the segment's accounts (and banks) of each kind that were not ranked. These results are the best accounts open outside those groups, not the best for every Australian: a reader in a left-out group may do better with include=<kind>."
 },
 "field_notes": {
  "conditions": "Short summaries of the account's conditions, for a table. Not authoritative: quote bonus_conditions, intro_conditions and eligibility, which carry the bank's own sentences.",
  "bonus_conditions": "Authoritative: every condition for the bonus (conditional) rate, each {type, value, text, amount or count, period, counts, excludes, linked_account, source}. text is the bank's whole sentence; counts and excludes say in a few words what that sentence says does and does not count (deposits from an external source only, settled purchases, interest excluded from growth); source is feed (the bank's Consumer Data Right product data), feed_summary (the dataset's summary of the feed's words) or terms_watch (a sentence read in the bank's own terms at url on checked, with summary in the dataset's words). Every bonus condition must be met in a month for rate_pct to be paid that month.",
  "intro_conditions": "Authoritative: who gets the introductory rate (new customers, new accounts, one per member), same shape as bonus_conditions.",
  "eligibility": "Authoritative: who may open the account at all (residency, minimum age, membership, entity), in the bank's words.",
  "other_terms": "Other terms read in the bank's own documents: {fact, condition, quote, url, checked}.",
  "if_conditions_missed_pct": "This same account's base rate at this balance: what it pays in a month its bonus conditions are not all met. A rate=base ranking lists different accounts (the best base rates) and is not what this account pays when its conditions are missed.",
  "who_can_open": "restricted: false means the account is not limited to a special group (age, pension, student, occupation, staff, organisation, region); it does not mean anyone may open it: eligibility (residency, minimum age, membership) still applies. apply.barriers lists membership when the bank requires membership of it (apply.membership quotes the sentence), and platform when it is opened only through an adviser or platform. open_to, when present, lists the account holders (smsf, business) the bank's own words open it to beyond its product data, each with its quote and how: \"on request\" when the words are a general clause of the bank's disclosure document, so the holder must ask.",
  "closes_to_new": "The date (YYYY-MM-DD) from which the account is closed to new applications, null when no date is known; closing quotes the bank's sentence. open_to_new is false once that date has passed, or when the bank says the account is no longer offered and gives no date."
 },
 "same_bank": [
  {
   "bank": "Westpac Banking Corporation",
   "abn": "33007457141",
   "confirmed": true,
   "brands": [
    {
     "brand_label": "Bank of Melbourne",
     "brand_slug": "bank-of-melbourne",
     "rank": 6,
     "confirmed": true
    },
    {
     "brand_label": "BankSA",
     "brand_slug": "banksa",
     "rank": 7,
     "confirmed": true
    },
    {
     "brand_label": "St.George Bank",
     "brand_slug": "st-george-bank",
     "rank": 8,
     "confirmed": true
    }
   ],
   "note": "Bank of Melbourne (rank 6), BankSA (rank 7) and St.George Bank (rank 8) are one bank, Westpac Banking Corporation: money at them together is guaranteed only up to $250,000 per account holder, not $250,000 at each."
  }
 ],
 "same_bank_note": "Some results are brands of one bank. The government guarantee (Financial Claims Scheme) covers up to $250,000 per account holder per bank, not per brand: say so when suggesting more than one of them. Brands not listed are separate banks as far as this dataset knows.",
 "results": [
  {
   "rank": 1,
   "brand_label": "ING",
   "brand_slug": "ing-bank-australia-ltd",
   "summary": {
    "rate_pct": 6,
    "rate_kind": "ongoing",
    "base_rate_pct": 0.01,
    "rate_conditional": true,
    "if_conditions_missed_pct": 0.01,
    "intro_months": null,
    "rate_after_intro_pct": null,
    "monthly_fee": 0,
    "restricted": false,
    "apply_directly": true,
    "open_to_new": true,
    "closes_to_new": "2026-12-01"
   },
   "product_label": "Savings Maximiser",
   "rate_pct": 6,
   "base_rate_pct": 0.01,
   "if_conditions_missed_pct": 0.01,
   "bonus_rate_pct": 5.99,
   "intro_rate_pct": null,
   "intro_total_rate_pct": null,
   "rate_after_intro_pct": null,
   "intro_months": null,
   "bonus_is_total": false,
   "has_bonus_conditions": true,
   "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"
   ],
   "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",
     "count": 5,
     "period": "monthly",
     "counts": [
      "settled purchases only (not pending)",
      "eligible card purchases only"
     ],
     "excludes": [
      "pending transactions"
     ],
     "linked_account": "Orange Everyday bank account",
     "source": "feed"
    },
    {
     "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).",
     "amount": 0.01,
     "period": "monthly",
     "excludes": [
      "interest earned"
     ],
     "linked_account": "Orange Everyday bank account",
     "source": "feed"
    },
    {
     "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.",
     "amount": 1000,
     "period": "monthly",
     "counts": [
      "deposits from an external source (another bank or account outside this bank)"
     ],
     "linked_account": "Orange Everyday bank account",
     "source": "feed"
    },
    {
     "type": "linked_account",
     "value": null,
     "text": "hold an Orange Everyday bank account",
     "linked_account": "Orange Everyday bank account",
     "source": "feed_summary"
    },
    {
     "type": "bonus_timing",
     "text": "When the criteria is met in a calendar month, the benefits and additional variable rate will apply in the next calendar month.",
     "source": "terms_watch",
     "summary": "the bonus rate is paid in the month after the one in which the conditions are met",
     "url": "https://www.ing.com.au/savings/savings-maximiser.html",
     "checked": "2026-11-01"
    }
   ],
   "intro_conditions": [],
   "eligibility": [
    {
     "text": "You must be an Australian resident for taxation purposes.",
     "source": "feed"
    }
   ],
   "other_terms": [],
   "linked_account_required": true,
   "closes_to_new": "2026-12-01",
   "open_to_new": true,
   "closing": {
    "text": "From 1 December 2026, we will no longer accept applications for new Savings Maximiser accounts.",
    "url": "https://www.ing.com.au/pdf/SM_Terms_and_Conditions.pdf"
   },
   "max_bonus_balance": 100000,
   "min_balance": null,
   "max_balance": 5000000,
   "monthly_fee": 0,
   "interest_paid": "monthly",
   "rate_application": "mixed",
   "restrictions": [],
   "who_can_open": {
    "restricted": false,
    "groups": [],
    "open_note": null
   },
   "apply": {
    "direct": true,
    "barriers": []
   },
   "record_stale": false,
   "page": "https://deepalmanac.com/au/finance/savings-accounts/accounts/ing-bank-australia-ltd/savings-maximiser/",
   "product_url": "https://www.ing.com.au/savings/savings-maximiser.html",
   "terms_url": null,
   "source_snapshot": "https://deepalmanac.com/au/finance/savings-accounts/v1/source/ing-bank-australia-ltd/b7bb9da4-3913-484c-8d2d-3fc99b9b4a72.json"
  },
  {
   "rank": 2,
   "brand_label": "Up",
   "brand_slug": "up",
   "summary": {
    "rate_pct": 5.85,
    "rate_kind": "ongoing",
    "base_rate_pct": 0,
    "rate_conditional": true,
    "if_conditions_missed_pct": 0,
    "intro_months": null,
    "rate_after_intro_pct": null,
    "monthly_fee": null,
    "restricted": false,
    "apply_directly": true,
    "open_to_new": true,
    "closes_to_new": null
   },
   "product_label": "Saver",
   "rate_pct": 5.85,
   "base_rate_pct": 0,
   "if_conditions_missed_pct": 0,
   "bonus_rate_pct": 5.85,
   "intro_rate_pct": null,
   "intro_total_rate_pct": null,
   "rate_after_intro_pct": null,
   "intro_months": null,
   "bonus_is_total": false,
   "has_bonus_conditions": true,
   "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)"
   ],
   "bonus_conditions": [
    {
     "type": "min_card_purchases",
     "value": 5,
     "text": "5",
     "count": 5,
     "period": "monthly",
     "source": "feed"
    },
    {
     "type": "max_withdrawals",
     "value": 0,
     "text": "0",
     "count": 0,
     "period": "monthly",
     "source": "feed"
    }
   ],
   "intro_conditions": [],
   "eligibility": [],
   "other_terms": [
    {
     "fact": "withdrawals",
     "condition": "a saver withdrawn from in the month earns the 2.00% Flow rate instead (when the card purchases are made)",
     "quote": "if no withdrawal is made from the account during the month; and our Flow Rate, otherwise.",
     "url": "https://up.com.au/product-terms/",
     "checked": "2026-11-01",
     "citation": {
      "quote": "if no withdrawal is made from the account during the month; and our Flow Rate, otherwise.",
      "url": "https://up.com.au/product-terms/#:~:text=if%20no%20withdrawal%20is%20made,and%20our%20Flow%20Rate%2C%20otherwise.",
      "document_sha256": "b2ac811a59418dd3fd7572a09549858a5600cce64040a22d4d3c238581010b2b",
      "confirmed": "2026-11-13"
     }
    }
   ],
   "linked_account_required": false,
   "closes_to_new": null,
   "open_to_new": true,
   "max_bonus_balance": null,
   "min_balance": null,
   "max_balance": null,
   "monthly_fee": null,
   "interest_paid": "monthly",
   "rate_application": "mixed",
   "restrictions": [],
   "who_can_open": {
    "restricted": false,
    "groups": [],
    "open_note": null
   },
   "apply": {
    "direct": true,
    "barriers": []
   },
   "record_stale": false,
   "page": "https://deepalmanac.com/au/finance/savings-accounts/accounts/up/saver/",
   "product_url": "https://up.com.au/saving",
   "terms_url": "https://up.com.au/product-terms/",
   "source_snapshot": "https://deepalmanac.com/au/finance/savings-accounts/v1/source/up/up-saver.json"
  },
  {
   "rank": 3,
   "brand_label": "Virgin Money",
   "brand_slug": "virgin-money",
   "summary": {
    "rate_pct": 5.8,
    "rate_kind": "ongoing",
    "base_rate_pct": 0.05,
    "rate_conditional": true,
    "if_conditions_missed_pct": 0.05,
    "intro_months": null,
    "rate_after_intro_pct": null,
    "monthly_fee": 0,
    "restricted": false,
    "apply_directly": true,
    "open_to_new": true,
    "closes_to_new": null
   },
   "product_label": "Boost Saver",
   "rate_pct": 5.8,
   "base_rate_pct": 0.05,
   "if_conditions_missed_pct": 0.05,
   "bonus_rate_pct": 5.75,
   "intro_rate_pct": null,
   "intro_total_rate_pct": null,
   "rate_after_intro_pct": null,
   "intro_months": null,
   "bonus_is_total": false,
   "has_bonus_conditions": true,
   "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"
   ],
   "bonus_conditions": [
    {
     "type": "min_monthly_deposit",
     "value": 1000,
     "text": "Deposit $1000",
     "amount": 1000,
     "period": "monthly",
     "source": "feed"
    },
    {
     "type": "min_card_purchases",
     "value": 5,
     "text": "5 purchases",
     "count": 5,
     "period": "monthly",
     "source": "feed"
    },
    {
     "type": "card_purchases",
     "text": "Make at least 5 settled (not pending) Visa Debit card purchases per month on your linked Go Account.",
     "source": "terms_watch",
     "summary": "bonus needs 5 settled Visa Debit purchases a month on the linked Go Account (direct debits and BPAY count)",
     "url": "https://virginmoney.com.au/bank-and-save/accounts/boost-saver.html",
     "checked": "2026-11-01"
    }
   ],
   "intro_conditions": [],
   "eligibility": [
    {
     "text": "residency: Australian resident",
     "source": "feed"
    },
    {
     "text": "There’s no monthly criteria for you if you are under 18 years of age.",
     "source": "terms_watch",
     "summary": "14 to 17 year olds get the bonus with no monthly criteria",
     "url": "https://virginmoney.com.au/bank-and-save/accounts/boost-saver.html",
     "checked": "2026-11-01"
    }
   ],
   "other_terms": [
    {
     "fact": "linked_account",
     "condition": "the bonus needs a linked Go Account in the same name with a $1,000 monthly deposit",
     "quote": "Drop $1,000 or more into your linked Go Account each month.",
     "url": "https://virginmoney.com.au/bank-and-save/accounts/boost-saver.html",
     "checked": "2026-11-01",
     "citation": {
      "quote": "Drop $1,000 or more into your linked Go Account each month.",
      "url": "https://virginmoney.com.au/bank-and-save/accounts/boost-saver.html#:~:text=Drop%20%241%2C000%20or%20more%20into,linked%20Go%20Account%20each%20month.",
      "document_sha256": "74c60bb1472bc0fcc661fad63b814b952e777d4152c205c172f59caf4f49087c",
      "confirmed": "2026-11-13"
     }
    },
    {
     "fact": "lock_saver",
     "condition": "the extra 0.50% needs the Lock Saver feature, 18+ only, with 32 days' notice to withdraw",
     "quote": "Turn on the Lock Saver feature in the app (customers aged 18+ only) and give 32 days’ notice to unlock or withdraw.",
     "url": "https://virginmoney.com.au/bank-and-save/accounts/boost-saver.html",
     "checked": "2026-11-01",
     "citation": {
      "quote": "Turn on the Lock Saver feature in the app (customers aged 18+ only) and give 32 days’ notice to unlock or withdraw.",
      "url": "https://virginmoney.com.au/bank-and-save/accounts/boost-saver.html#:~:text=Turn%20on%20the%20Lock%20Saver,notice%20to%20unlock%20or%20withdraw.",
      "document_sha256": "74c60bb1472bc0fcc661fad63b814b952e777d4152c205c172f59caf4f49087c",
      "confirmed": "2026-11-13"
     }
    }
   ],
   "linked_account_required": true,
   "closes_to_new": null,
   "open_to_new": true,
   "max_bonus_balance": 250000,
   "min_balance": null,
   "max_balance": null,
   "monthly_fee": 0,
   "interest_paid": "monthly",
   "rate_application": "whole_balance",
   "restrictions": [
    "linked_account"
   ],
   "who_can_open": {
    "restricted": false,
    "groups": [],
    "open_note": null
   },
   "apply": {
    "direct": true,
    "barriers": []
   },
   "record_stale": false,
   "page": "https://deepalmanac.com/au/finance/savings-accounts/accounts/virgin-money/boost-saver/",
   "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",
   "source_snapshot": "https://deepalmanac.com/au/finance/savings-accounts/v1/source/virgin-money/36906e88-5c03-ee11-8f6e-00224814d330.json"
  },
  {
   "rank": 4,
   "brand_label": "AMP Bank GO",
   "brand_slug": "amp-bank-go",
   "summary": {
    "rate_pct": 5.75,
    "rate_kind": "ongoing",
    "base_rate_pct": 5.75,
    "rate_conditional": false,
    "if_conditions_missed_pct": 5.75,
    "intro_months": null,
    "rate_after_intro_pct": null,
    "monthly_fee": null,
    "restricted": false,
    "apply_directly": true,
    "open_to_new": true,
    "closes_to_new": null
   },
   "product_label": "Save",
   "rate_pct": 5.75,
   "base_rate_pct": 5.75,
   "if_conditions_missed_pct": 5.75,
   "bonus_rate_pct": null,
   "intro_rate_pct": null,
   "intro_total_rate_pct": null,
   "rate_after_intro_pct": null,
   "intro_months": null,
   "bonus_is_total": null,
   "has_bonus_conditions": false,
   "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"
   ],
   "bonus_conditions": [],
   "intro_conditions": [],
   "eligibility": [
    {
     "text": "residency: Must be an Australian resident",
     "source": "feed"
    },
    {
     "text": "Customers must have an active AMP Bank GO Everyday Account in order to open an AMP Bank GO Save account: Linked Transaction Account",
     "source": "feed"
    }
   ],
   "other_terms": [
    {
     "fact": "joint",
     "condition": "no joint accounts",
     "quote": "Savings Accounts cannot be opened jointly with other persons or by a Power of Attorney.",
     "url": "https://www.amp.com.au/content/dam/amp-2024/documents/terms-and-conditions/bank/amp-bank-savings-account-terms-and-conditions.pdf",
     "checked": "2026-11-10",
     "citation": {
      "quote": "Savings Accounts cannot be opened jointly with other persons or by a Power of Attorney.",
      "url": "https://www.amp.com.au/content/dam/amp-2024/documents/terms-and-conditions/bank/amp-bank-savings-account-terms-and-conditions.pdf#page=5",
      "page": 5,
      "document_sha256": "8235842e83d3c00a77b27459dce23f9c256dc6bba7761d1993e711df6e4a9734",
      "confirmed": "2026-11-13"
     }
    },
    {
     "fact": "interest_basis",
     "condition": "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",
     "quote": "Where tiered interest rates apply, each tiered interest rate applies to the portion of the Balance Earning Interest that falls within that tier.",
     "url": "https://www.amp.com.au/content/dam/amp-2024/documents/terms-and-conditions/bank/amp-bank-savings-account-terms-and-conditions.pdf",
     "checked": "2026-11-10",
     "citation": {
      "quote": "Where tiered interest rates apply, each tiered interest rate applies to the portion of the Balance Earning Interest that falls within that tier.",
      "url": "https://www.amp.com.au/content/dam/amp-2024/documents/terms-and-conditions/bank/amp-bank-savings-account-terms-and-conditions.pdf#page=7",
      "page": 7,
      "document_sha256": "8235842e83d3c00a77b27459dce23f9c256dc6bba7761d1993e711df6e4a9734",
      "confirmed": "2026-11-13"
     }
    },
    {
     "fact": "one_per_customer",
     "condition": "one Save account per customer (Savings Spaces divide it)",
     "quote": "You can open one AMP Bank GO Save savings account.",
     "url": "https://www.amp.com.au/personal-banking/everyday-money/amp-bank-go-save",
     "checked": "2026-11-10",
     "citation": {
      "quote": "You can open one AMP Bank GO Save savings account.",
      "url": "https://www.amp.com.au/personal-banking/everyday-money/amp-bank-go-save#:~:text=You%20can%20open%20one%20AMP%20Bank%20GO%20Save%20savings%20account.",
      "document_sha256": "164249ee6f735047cd5433aaa7e05f510905f593cd769ffa9e6ff66ea38da5aa",
      "confirmed": "2026-11-13"
     }
    },
    {
     "fact": "access",
     "condition": "money moves in and out only by transfer to or from the linked AMP Bank GO Everyday Account; no direct external transfers",
     "quote": "You can only transfer funds into and out of your Savings Account in Australian dollars by transfer to or from your Transaction Account.",
     "url": "https://www.amp.com.au/content/dam/amp-2024/documents/terms-and-conditions/bank/amp-bank-savings-account-terms-and-conditions.pdf",
     "checked": "2026-11-10",
     "citation": {
      "quote": "You can only transfer funds into and out of your Savings Account in Australian dollars by transfer to or from your Transaction Account.",
      "url": "https://www.amp.com.au/content/dam/amp-2024/documents/terms-and-conditions/bank/amp-bank-savings-account-terms-and-conditions.pdf#page=5",
      "page": 5,
      "document_sha256": "8235842e83d3c00a77b27459dce23f9c256dc6bba7761d1993e711df6e4a9734",
      "confirmed": "2026-11-13"
     }
    },
    {
     "fact": "online_only",
     "condition": "managed only in the AMP Bank GO app; no branch or face-to-face service",
     "quote": "The Save account can only be accessed through AMP Bank GO.",
     "url": "https://www.amp.com.au/content/dam/amp-2024/documents/tmds/bank/amp-bank-save-tmd.pdf",
     "checked": "2026-11-10",
     "citation": {
      "quote": "The Save account can only be accessed through AMP Bank GO.",
      "url": "https://www.amp.com.au/content/dam/amp-2024/documents/tmds/bank/amp-bank-save-tmd.pdf#page=3",
      "page": 3,
      "document_sha256": "044882ce52333d7dea5009cfbc66cf9c4a0340ea47d5ca95eb2ee54eae6a965a",
      "confirmed": "2026-11-13"
     }
    }
   ],
   "linked_account_required": true,
   "closes_to_new": null,
   "open_to_new": true,
   "max_bonus_balance": null,
   "min_balance": null,
   "max_balance": null,
   "monthly_fee": null,
   "interest_paid": "monthly",
   "rate_application": "per_tier",
   "restrictions": [
    "linked_account"
   ],
   "who_can_open": {
    "restricted": false,
    "groups": [],
    "open_note": null
   },
   "apply": {
    "direct": true,
    "barriers": []
   },
   "record_stale": false,
   "page": "https://deepalmanac.com/au/finance/savings-accounts/accounts/amp-bank-go/save/",
   "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",
   "source_snapshot": "https://deepalmanac.com/au/finance/savings-accounts/v1/source/amp-bank-go/3886c579-2875-4c1d-99ae-03ab10b2d4ae.json"
  },
  {
   "rank": 5,
   "brand_label": "Rabobank",
   "brand_slug": "rabobank",
   "summary": {
    "rate_pct": 5.65,
    "rate_kind": "ongoing",
    "base_rate_pct": 0.8,
    "rate_conditional": true,
    "if_conditions_missed_pct": 0.8,
    "intro_months": null,
    "rate_after_intro_pct": null,
    "monthly_fee": 0,
    "restricted": false,
    "apply_directly": true,
    "open_to_new": true,
    "closes_to_new": null
   },
   "product_label": "PremiumSaver",
   "rate_pct": 5.65,
   "base_rate_pct": 0.8,
   "if_conditions_missed_pct": 0.8,
   "bonus_rate_pct": 4.85,
   "intro_rate_pct": null,
   "intro_total_rate_pct": null,
   "rate_after_intro_pct": null,
   "intro_months": null,
   "bonus_is_total": false,
   "has_bonus_conditions": true,
   "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."
   ],
   "bonus_conditions": [
    {
     "type": "balance_grows",
     "value": 200,
     "text": "Balance increased by $200 a month, excluding interest paid",
     "amount": 200,
     "period": "monthly",
     "excludes": [
      "interest earned"
     ],
     "source": "feed"
    }
   ],
   "intro_conditions": [],
   "eligibility": [
    {
     "text": "residency: Each individual owner of an account must be residing in and tax resident of Australia.",
     "source": "feed"
    },
    {
     "text": "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 fees and has no minimum balance requirement.",
     "source": "feed"
    },
    {
     "text": "Funds can only be transferred externally to the nominated linked account.",
     "source": "feed"
    }
   ],
   "other_terms": [],
   "linked_account_required": true,
   "closes_to_new": null,
   "open_to_new": true,
   "max_bonus_balance": null,
   "min_balance": 0,
   "max_balance": null,
   "monthly_fee": 0,
   "interest_paid": "monthly",
   "rate_application": "per_tier",
   "restrictions": [
    "linked_account"
   ],
   "who_can_open": {
    "restricted": false,
    "groups": [],
    "open_note": null
   },
   "apply": {
    "direct": true,
    "barriers": []
   },
   "record_stale": true,
   "page": "https://deepalmanac.com/au/finance/savings-accounts/accounts/rabobank/premiumsaver/",
   "product_url": "https://www.rabobank.com.au/premiumsaver/",
   "terms_url": "https://www.rabobank.com.au/termsandconditions",
   "source_snapshot": "https://deepalmanac.com/au/finance/savings-accounts/v1/source/rabobank/f5079e11-c89f-43bf-bd15-91df6602699d.json"
  },
  {
   "rank": 6,
   "brand_label": "Bank of Melbourne",
   "brand_slug": "bank-of-melbourne",
   "summary": {
    "rate_pct": 5.65,
    "rate_kind": "ongoing",
    "base_rate_pct": 0.01,
    "rate_conditional": true,
    "if_conditions_missed_pct": 0.01,
    "intro_months": null,
    "rate_after_intro_pct": null,
    "monthly_fee": 0,
    "restricted": false,
    "apply_directly": true,
    "open_to_new": true,
    "closes_to_new": null
   },
   "product_label": "Incentive Saver",
   "rate_pct": 5.65,
   "base_rate_pct": 0.01,
   "if_conditions_missed_pct": 0.01,
   "bonus_rate_pct": 5.64,
   "intro_rate_pct": null,
   "intro_total_rate_pct": null,
   "rate_after_intro_pct": null,
   "intro_months": null,
   "bonus_is_total": false,
   "has_bonus_conditions": true,
   "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"
   ],
   "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.",
     "amount": 0.01,
     "period": "monthly",
     "source": "feed"
    },
    {
     "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.",
     "amount": 50,
     "period": "monthly",
     "source": "feed"
    },
    {
     "type": "bonus_growth_21_plus",
     "text": "You’ll earn bonus interest if your account balance never goes below zero and you grow your balance by at least $50 during the month.",
     "source": "terms_watch",
     "summary": "customers 21 and over get the bonus only in months the balance grows by at least $50 and never goes below zero",
     "url": "https://www.bankofmelbourne.com.au/personal/bank-accounts/savings-accounts/incentive-saver",
     "checked": "2026-11-01"
    },
    {
     "type": "bonus_growth_under_21",
     "text": "You’ll earn bonus interest if your account balance never goes below zero and you grow your balance by at least $0.01 during the month.",
     "source": "terms_watch",
     "summary": "customers under 21 get the bonus when the balance grows by at least $0.01 in the month and never goes below zero",
     "url": "https://www.bankofmelbourne.com.au/personal/bank-accounts/savings-accounts/incentive-saver",
     "checked": "2026-11-01"
    },
    {
     "type": "interest_not_growth",
     "text": "Add money to your account (interest payments don’t count)",
     "source": "terms_watch",
     "summary": "interest paid by the bank does not count as growth",
     "url": "https://www.bankofmelbourne.com.au/personal/bank-accounts/savings-accounts/incentive-saver",
     "checked": "2026-11-01"
    }
   ],
   "intro_conditions": [],
   "eligibility": [
    {
     "text": "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.",
     "source": "feed"
    },
    {
     "text": "residency: Those with an Australian residential address and who are currently in Australia.",
     "source": "feed"
    }
   ],
   "other_terms": [],
   "linked_account_required": false,
   "closes_to_new": null,
   "open_to_new": true,
   "max_bonus_balance": null,
   "min_balance": null,
   "max_balance": null,
   "monthly_fee": 0,
   "interest_paid": "monthly",
   "rate_application": "whole_balance",
   "restrictions": [],
   "who_can_open": {
    "restricted": false,
    "groups": [],
    "open_note": null
   },
   "apply": {
    "direct": true,
    "barriers": []
   },
   "record_stale": false,
   "page": "https://deepalmanac.com/au/finance/savings-accounts/accounts/bank-of-melbourne/incentive-saver/",
   "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",
   "source_snapshot": "https://deepalmanac.com/au/finance/savings-accounts/v1/source/bank-of-melbourne/BOMSavIncentiveSaver.json",
   "same_bank_as": [
    "BankSA",
    "St.George Bank"
   ]
  },
  {
   "rank": 7,
   "brand_label": "BankSA",
   "brand_slug": "banksa",
   "summary": {
    "rate_pct": 5.65,
    "rate_kind": "ongoing",
    "base_rate_pct": 0.01,
    "rate_conditional": true,
    "if_conditions_missed_pct": 0.01,
    "intro_months": null,
    "rate_after_intro_pct": null,
    "monthly_fee": 0,
    "restricted": false,
    "apply_directly": true,
    "open_to_new": true,
    "closes_to_new": null
   },
   "product_label": "Incentive Saver",
   "rate_pct": 5.65,
   "base_rate_pct": 0.01,
   "if_conditions_missed_pct": 0.01,
   "bonus_rate_pct": 5.64,
   "intro_rate_pct": null,
   "intro_total_rate_pct": null,
   "rate_after_intro_pct": null,
   "intro_months": null,
   "bonus_is_total": false,
   "has_bonus_conditions": true,
   "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"
   ],
   "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.",
     "amount": 0.01,
     "period": "monthly",
     "source": "feed"
    },
    {
     "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.",
     "amount": 50,
     "period": "monthly",
     "source": "feed"
    },
    {
     "type": "bonus_growth",
     "text": "To meet bonus interest criteria you are required to grow your account by at least $50 a month (for customers 21 or over) or $0.01 a month (for customers under 21) and your account balance can not fall below $0.",
     "source": "terms_watch",
     "summary": "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",
     "url": "https://www.banksa.com.au/personal/bank-accounts/savings-accounts/incentive-saver",
     "checked": "2026-11-01"
    }
   ],
   "intro_conditions": [],
   "eligibility": [
    {
     "text": "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.",
     "source": "feed"
    },
    {
     "text": "residency: Those with an Australian residential address and who are currently in Australia.",
     "source": "feed"
    },
    {
     "text": "If all account holders are aged under 21:",
     "source": "terms_watch",
     "summary": "on a joint account the $0.01 growth rule applies only if all holders are under 21",
     "url": "https://www.banksa.com.au/content/dam/bsa/downloads/personal/bank-accounts/SavInvesTransAccounts_Terms.pdf",
     "checked": "2026-11-01"
    }
   ],
   "other_terms": [
    {
     "fact": "deposit_cutoff",
     "condition": "deposits must be settled by 9:59pm Sydney time on the last business day of the month to count",
     "quote": "Make sure your deposits are settled by 9:59pm (Sydney time) on the last business day of each month.",
     "url": "https://www.banksa.com.au/personal/bank-accounts/savings-accounts/incentive-saver",
     "checked": "2026-11-01",
     "citation": {
      "quote": "Make sure your deposits are settled by 9:59pm (Sydney time) on the last business day of each month.",
      "url": "https://www.banksa.com.au/personal/bank-accounts/savings-accounts/incentive-saver#:~:text=Make%20sure%20your%20deposits%20are,business%20day%20of%20each%20month.",
      "document_sha256": "8fd5f9067bcd2b351e7709640d2c294c8960ee6b6eaed36449d02fed14a60351",
      "confirmed": "2026-11-13"
     }
    }
   ],
   "linked_account_required": false,
   "closes_to_new": null,
   "open_to_new": true,
   "max_bonus_balance": null,
   "min_balance": null,
   "max_balance": null,
   "monthly_fee": 0,
   "interest_paid": "monthly",
   "rate_application": "whole_balance",
   "restrictions": [],
   "who_can_open": {
    "restricted": false,
    "groups": [],
    "open_note": null
   },
   "apply": {
    "direct": true,
    "barriers": []
   },
   "record_stale": false,
   "page": "https://deepalmanac.com/au/finance/savings-accounts/accounts/banksa/incentive-saver/",
   "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",
   "source_snapshot": "https://deepalmanac.com/au/finance/savings-accounts/v1/source/banksa/BSASavIncentiveSaver.json",
   "same_bank_as": [
    "Bank of Melbourne",
    "St.George Bank"
   ]
  },
  {
   "rank": 8,
   "brand_label": "St.George Bank",
   "brand_slug": "st-george-bank",
   "summary": {
    "rate_pct": 5.65,
    "rate_kind": "ongoing",
    "base_rate_pct": 0.01,
    "rate_conditional": true,
    "if_conditions_missed_pct": 0.01,
    "intro_months": null,
    "rate_after_intro_pct": null,
    "monthly_fee": 0,
    "restricted": false,
    "apply_directly": true,
    "open_to_new": true,
    "closes_to_new": null
   },
   "product_label": "Incentive Saver",
   "rate_pct": 5.65,
   "base_rate_pct": 0.01,
   "if_conditions_missed_pct": 0.01,
   "bonus_rate_pct": 5.64,
   "intro_rate_pct": null,
   "intro_total_rate_pct": null,
   "rate_after_intro_pct": null,
   "intro_months": null,
   "bonus_is_total": false,
   "has_bonus_conditions": true,
   "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"
   ],
   "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.",
     "amount": 0.01,
     "period": "monthly",
     "source": "feed"
    },
    {
     "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.",
     "amount": 50,
     "period": "monthly",
     "source": "feed"
    },
    {
     "type": "bonus_growth",
     "text": "Must grow your account by at least $50 a month (for customers 21+) or $0.01 a month (for customers under 21), excluding interest.",
     "source": "terms_watch",
     "summary": "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",
     "url": "https://www.stgeorge.com.au/personal/bank-accounts/savings-accounts/incentive-saver",
     "checked": "2026-11-01"
    }
   ],
   "intro_conditions": [],
   "eligibility": [
    {
     "text": "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.",
     "source": "feed"
    },
    {
     "text": "residency: Those with an Australian residential address and who are currently in Australia.",
     "source": "feed"
    }
   ],
   "other_terms": [],
   "linked_account_required": false,
   "closes_to_new": null,
   "open_to_new": true,
   "max_bonus_balance": null,
   "min_balance": null,
   "max_balance": null,
   "monthly_fee": 0,
   "interest_paid": "monthly",
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 ]
}