{
  "source": "https://api.macquariebank.io/cds-au/v1/banking/products/SV001MBLSAV001",
  "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": "SV001MBLSAV001",
    "lastUpdated": "2026-06-11T00:01:00.001Z",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "name": "Macquarie Savings Account",
    "description": "A high-interest online savings account with no monthly fees, easy withdrawals and award-winning digital banking.",
    "brand": "Macquarie Bank Limited",
    "isTailored": false,
    "additionalInformation": {
      "eligibilityUri": "https://www.macquarie.com.au/everyday-banking/savings-account.html",
      "feesAndPricingUri": "https://www.macquarie.com.au/everyday-banking/savings-account.html#rates-and-fees",
      "overviewUri": "https://www.macquarie.com.au/everyday-banking/savings-account.html",
      "termsUri": "https://www.macquarie.com.au/digital-banking/bank-accounts-terms-and-conditions.html"
    },
    "applicationUri": "https://www.macquarie.com.au/everyday-banking/savings-account.html",
    "brandName": "Macquarie",
    "depositRates": [
      {
        "depositRateType": "INTRODUCTORY",
        "rate": "0.0535",
        "applicationType": "PERIODIC",
        "additionalValue": "P4M",
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "OTHER",
            "additionalInfo": "Earn a variable welcome rate for the first four months from account opening, on deposits up to $250,000 in your first savings account. After four months, our competitive standard stepped variable rates apply based on your balance.",
            "additionalInfoUri": "https://www.macquarie.com.au/everyday-banking/savings-account.html#rates-and-fees"
          }
        ],
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "tiers": [
          {
            "name": "Variable Welcome rate",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "0.00",
            "applicabilityConditions": [
              {
                "rateApplicabilityType": "OTHER",
                "additionalInfo": "Earn a variable welcome rate for the first four months from account opening, on deposits up to $250,000 in your first savings account. After four months, our competitive standard stepped variable rates apply based on your balance.",
                "additionalInfoUri": "https://www.macquarie.com.au/everyday-banking/savings-account.html#rates-and-fees"
              }
            ],
            "maximumValue": "250000.00",
            "rateApplicationMethod": "PER_TIER"
          }
        ]
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0500",
        "applicationType": "PERIODIC",
        "additionalInfoUri": "https://www.macquarie.com.au/everyday-banking/savings-account.html#rates-and-fees",
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "tiers": [
          {
            "name": "Base rate 1",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "0.00",
            "maximumValue": "250000.00",
            "rateApplicationMethod": "PER_TIER"
          }
        ]
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0500",
        "applicationType": "PERIODIC",
        "additionalInfoUri": "https://www.macquarie.com.au/everyday-banking/savings-account.html#rates-and-fees",
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "tiers": [
          {
            "name": "Base rate 2",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "250000.01",
            "maximumValue": "2000000.00",
            "rateApplicationMethod": "PER_TIER"
          }
        ]
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0275",
        "applicationType": "PERIODIC",
        "additionalInfoUri": "https://www.macquarie.com.au/everyday-banking/savings-account.html#rates-and-fees",
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "tiers": [
          {
            "name": "Base rate 3",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "2000000.01",
            "rateApplicationMethod": "PER_TIER"
          }
        ]
      }
    ],
    "effectiveFrom": "2015-03-06T00:01:00.001Z",
    "eligibility": [
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalInfoUri": "https://www.macquarie.com.au/help/personal/transaction-and-savings-accounts/opening-an-account/opening-a-transaction-or-savings-account.html",
        "additionalValue": "Permanent Australian residential address required."
      },
      {
        "eligibilityType": "MIN_AGE",
        "additionalInfo": "Minimum age requirement",
        "additionalInfoUri": "https://www.macquarie.com.au/help/personal/transaction-and-savings-accounts/opening-an-account/opening-a-transaction-or-savings-account.html",
        "additionalValue": "12"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Must have Australian mobile number",
        "additionalInfoUri": "https://www.macquarie.com.au/help/personal/transaction-and-savings-accounts/opening-an-account/opening-a-transaction-or-savings-account.html"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Must have an email address",
        "additionalInfoUri": "https://www.macquarie.com.au/help/personal/transaction-and-savings-accounts/opening-an-account/opening-a-transaction-or-savings-account.html"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Only available for individual or joint applications",
        "additionalInfoUri": "https://www.macquarie.com.au/help/personal/transaction-and-savings-accounts/opening-an-account/opening-a-transaction-or-savings-account.html"
      }
    ],
    "features": [
      {
        "featureType": "OTHER",
        "additionalInfo": "You can open up to a total of 10 Transaction or Savings Accounts.",
        "additionalInfoUri": "https://www.macquarie.com.au/help/personal/transaction-and-savings-accounts/opening-an-account/opening-a-transaction-or-savings-account.html"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "No fees. With no fees, every dollar you deposit brings your savings goals closer.",
        "additionalInfoUri": "https://www.macquarie.com.au/everyday-banking/savings-account.html"
      },
      {
        "featureType": "NOTIFICATIONS",
        "additionalInfoUri": "https://www.macquarie.com.au/digital-banking.html",
        "additionalValue": "Monitor outflows in real time with instant notifications."
      },
      {
        "featureType": "NPP_PAYID",
        "additionalInfo": "Link a PayID to your savings account to receive and make real time Payments.",
        "additionalInfoUri": "https://www.macquarie.com.au/everyday-banking/savings-account.html"
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Online Banking",
        "additionalInfoUri": "https://www.macquarie.com.au/digital-banking.html"
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Mobile Banking",
        "additionalInfoUri": "https://www.macquarie.com.au/everyday-banking/savings-account.html"
      },
      {
        "featureType": "BILL_PAYMENT",
        "additionalInfoUri": "https://www.macquarie.com.au/help/personal/payments-transfers-and-deposits/payments-and-transfers/making-deposits-and-payments.html",
        "additionalValue": "BPAY"
      },
      {
        "featureType": "NPP_ENABLED",
        "additionalInfo": "NPP Payments",
        "additionalInfoUri": "https://www.macquarie.com.au/help/personal/payments-transfers-and-deposits/payments-and-transfers/making-deposits-and-payments.html"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Pay anyone payments",
        "additionalInfoUri": "https://www.macquarie.com.au/everyday-banking/savings-account.html"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Internal transfer",
        "additionalInfoUri": "https://www.macquarie.com.au/help/personal/payments-transfers-and-deposits/payments-and-transfers/making-deposits-and-payments.html"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Direct credit",
        "additionalInfoUri": "https://www.macquarie.com.au/help/personal/payments-transfers-and-deposits/payments-and-transfers/making-deposits-and-payments.html"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Direct debit",
        "additionalInfoUri": "https://www.macquarie.com.au/help/personal/payments-transfers-and-deposits/payments-and-transfers/making-deposits-and-payments.html"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Daily Pay Anyone Payment limit. The $100,000 limit is applicable for customers who use the Macquarie Authenticator App and are registered for Electronic Banking. Otherwise, a default limit of $2,000 will apply.",
        "additionalInfoUri": "https://www.macquarie.com.au/everyday-banking/savings-account.html#rates-and-fees"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Daily PayID Payment sub-limit. The $10,000 limit operates as a sub-limit of the daily Pay Anyone limit.",
        "additionalInfoUri": "https://www.macquarie.com.au/everyday-banking/savings-account.html#rates-and-fees"
      }
    ],
    "fees": [
      {
        "name": "Online Payments",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "additionalInfo": "We don't charge Transaction or Online Payment Fees.",
        "additionalInfoUri": "https://www.macquarie.com.au/everyday-banking/savings-account.html#rates-and-fees",
        "currency": "AUD",
        "fixedAmount": {
          "amount": "0.00"
        }
      },
      {
        "name": "Dishonour fees",
        "feeType": "DISHONOUR",
        "feeMethodUType": "fixedAmount",
        "additionalInfo": "We don't charge dishonour fees.",
        "additionalInfoUri": "https://www.macquarie.com.au/everyday-banking/savings-account.html#rates-and-fees",
        "currency": "AUD",
        "fixedAmount": {
          "amount": "0.00"
        }
      }
    ]
  }
}