{
  "source": "https://digital-api.bankofmelbourne.com.au/cds-au/v1/banking/products/BOMSavMaxiSaver",
  "note": "Product Reference Data published by the data holder under the Consumer Data Right, as cached by this site (refreshed every 6 hours).",
  "data": {
    "productId": "BOMSavMaxiSaver",
    "lastUpdated": "2026-07-08T00:25:32Z",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "name": "Maxi Saver",
    "description": "A savings account that offers a great interest rate with access to funds through a linked account via Internet and Phone Banking.",
    "brand": "Bank of Melbourne",
    "applicationUri": "https://www.bankofmelbourne.com.au/personal/bank-accounts/savings-accounts/maxi-saver/summary",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.bankofmelbourne.com.au/personal/bank-accounts/savings-accounts/maxi-saver",
      "termsUri": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/personal/bank-accounts/SavInvesTransAccounts_Terms.pdf",
      "eligibilityUri": "https://www.bankofmelbourne.com.au/personal/bank-accounts/savings-accounts/maxi-saver",
      "feesAndPricingUri": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/personal/bank-accounts/SavInvesTransAccounts_Terms.pdf"
    },
    "features": [
      {
        "featureType": "CASHBACK_OFFER",
        "additionalValue": "50.00",
        "additionalInfo": "$50 cashback on your new account. Open a new Complete Freedom account with an eligible savings account by 30 September 2026. Spend $50 or more within 15 days, and we?ll drop $50 straight into your savings. T&Cs apply."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Easy access : Unlimited online access to your savings with a linked transaction account."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Uncapped saving : Interest is calculated on the total balance of your Maxi Saver with no limit on deposit amounts."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Government guarantee : The Financial Claims Scheme guarantees deposits to a cap of $250,000 per account-holder."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Quick Balance : Know exactly how much money you have on hand, at a glance at your smartphone or watch."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "No limit on the number of accounts that customer can hold,  but only the first Maxi Saver account opened with you as an account holder will be eligible for the introductory bonus interest"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Account can be opened via Online and mobile (minimum age may apply), in branch and phone."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "No minimum opening balance for this account"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Statements : 6 monthly, or more frequently on request."
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Online , Mobile and telephone banking is available and alerts will be received"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Earn interest on every dollar when you maintain a positive balance. Intro Fixed Rate 6 month intro fixed rate for new customers. Freedom to access your savings and earn interest on every dollar when you maintain a positive balance"
      },
      {
        "featureType": "FRAUD_PROTECTION",
        "additionalInfo": "The product includes FRAUD_PROTECTION features."
      },
      {
        "featureType": "RELATIONSHIP_MANAGEMENT",
        "additionalInfo": "RELATIONSHIP_MANAGEMENT is available for eligible customers."
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "14"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "Those with an Australian residential address and who are currently in Australia."
      }
    ],
    "fees": [
      {
        "name": "Account Keeping Fee",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "additionalValue": "P1M"
      },
      {
        "name": "Internet Banking",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        }
      },
      {
        "name": "Phone Banking",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        }
      },
      {
        "name": "Staff assisted (branch and telephone)",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        }
      },
      {
        "name": "Frequent Statement",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        }
      },
      {
        "name": "Collection Item",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        }
      },
      {
        "name": "Overdrawn Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "15.00"
        }
      },
      {
        "name": "Overseas Withdrawal",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        }
      }
    ],
    "depositRates": [
      {
        "depositRateType": "INTRODUCTORY",
        "rate": "0.0365",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "0 - 4999999",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "0.00",
            "maximumValue": "4999999.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
            "additionalValue": "0.00"
          }
        ],
        "additionalValue": "P6M",
        "additionalInfo": "The introductory bonus rate for the first 6 months as a new Maxi Saver customer."
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0125",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "0 - 4999999",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "0.00",
            "maximumValue": "4999999.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
            "additionalValue": "0.00"
          }
        ],
        "additionalInfo": "Standard variable rate after the first 6 months. All variable rates are subject to change."
      },
      {
        "depositRateType": "INTRODUCTORY",
        "rate": "0.0365",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "5000000+",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "5000000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
            "additionalValue": "5000000.00"
          }
        ],
        "additionalValue": "P6M",
        "additionalInfo": "The introductory bonus rate for the first 6 months as a new Maxi Saver customer."
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0125",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "5000000+",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "5000000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
            "additionalValue": "5000000.00"
          }
        ],
        "additionalInfo": "Standard variable rate after the first 6 months. All variable rates are subject to change. "
      },
      {
        "depositRateType": "BONUS",
        "rate": "0.0045",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P6M",
        "tiers": [
          {
            "name": "0 - 4999999",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "0.00",
            "maximumValue": "4999999.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
            "additionalValue": "0.00"
          }
        ],
        "additionalValue": "P6M",
        "additionalInfo": "Open an account online and earning an extra online bonus rate for the first 6 months. For a limited time only. New Maxi Saver customers only. Offer may be varied or withdrawn at any time."
      },
      {
        "depositRateType": "BONUS",
        "rate": "0.0045",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P6M",
        "tiers": [
          {
            "name": "5000000+",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "5000000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
            "additionalValue": "5000000.00"
          }
        ],
        "additionalValue": "P6M",
        "additionalInfo": "Open an account online and earning an extra online bonus rate for the first 6 months. For a limited time only. New Maxi Saver customers only. Offer may be varied or withdrawn at any time."
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "PENALTY",
        "rate": "0.1501",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "OTHER",
        "loanPurpose": "OTHER",
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "OTHER",
            "additionalInfo": "The Unarranged Lending Rate (ULR) is a debit interest rate charged to a transaction account if it becomes overdrawn without arrangement. It will be calculated daily on the debit balance (and deducted on the last business day of each month) using the then current ULR until the account balance is positive again."
          }
        ],
        "additionalValue": "P1M"
      }
    ]
  }
}