# Compare Australian business and deposit rates

Preview: Compare advertised business-loan, overdraft and term-deposit rates, fees and conditions from Consumer Data Right open banking.

Canonical: https://aroai.com/tools/au_product_rates/

## Tool reference

MCP tool ID: `au_product_rates`. Availability: Preview. Country: Australia.

Credit use: 1 credit.

## Input schema

```json
{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "type": "object",
  "properties": {
    "category": {
      "type": "string",
      "enum": [
        "business_loan",
        "overdraft",
        "term_deposit",
        "cash_account"
      ],
      "description": "Choose business_loan, overdraft, term_deposit, or cash_account for accessible transaction and savings products."
    },
    "brand": {
      "description": "Optional exact CDR brand name. Supported: CommBank, ANZ, NAB, Westpac, Macquarie Bank Limited, Bendigo Bank, Beyond Bank Australia, Great Southern Bank, Great Southern Bank Business+, IMB Bank, Bank Australia, Suncorp Bank, Bank of Queensland Limited.",
      "type": "string",
      "enum": [
        "CommBank",
        "ANZ",
        "NAB",
        "Westpac",
        "Macquarie Bank Limited",
        "Bendigo Bank",
        "Beyond Bank Australia",
        "Great Southern Bank",
        "Great Southern Bank Business+",
        "IMB Bank",
        "Bank Australia",
        "Suncorp Bank",
        "Bank of Queensland Limited"
      ]
    },
    "query": {
      "description": "Optional words to match against product name, description and brand.",
      "type": "string",
      "minLength": 1,
      "maxLength": 100
    },
    "amount": {
      "description": "Optional AUD loan or deposit/cash balance. When CDR publishes structured amount tiers, return matching whole-balance rates and all PER_TIER bands contributing to this balance.",
      "type": "number",
      "exclusiveMinimum": 0,
      "maximum": 100000000
    },
    "term_months": {
      "description": "Optional fixed term in months. When CDR publishes a matching month tier, return only tiers containing this term.",
      "type": "integer",
      "minimum": 1,
      "maximum": 120
    },
    "limit": {
      "default": 20,
      "description": "Maximum number of product details to return (1–20, default 20).",
      "type": "integer",
      "minimum": 1,
      "maximum": 20
    }
  },
  "required": [
    "category",
    "limit"
  ],
  "additionalProperties": false
}
```

## Example input

```json
{
  "category": "term_deposit",
  "amount": 50000,
  "term_months": 12,
  "limit": 10
}
```

## Usage notes

- Reads advertised product data from major Australian banks under Consumer Data Right open banking.
- Specify amount and term_months to filter matching rate tiers and contributing balance bands.
- Published rates are indicative reference data and do not represent loan pre-approval, quotes or personal financial advice.