Average simplicity score
72
Product Complexity
Analyse how tiers, conditions, balance thresholds and product rules affect simplicity and customer comprehension risk.
Average conditionality score
28
High risk products
0
Products analysed
15
Why this matters
Product teams should not assume the product with the highest rate is the one customers trust most. Complexity can weaken both conversion and retention.
Headline rate vs simplicity
Compare rate strength against simplicity to identify products that look attractive on paper but feel hard to understand in practice.
Simple Saver58 / 100
4.60% headline rate
Life59 / 100
5.00% headline rate
GoalSaver68 / 100
4.90% headline rate
Savings Maximiser68 / 100
5.10% headline rate
Save Account68 / 100
5.05% headline rate
Online Saver69 / 100
4.65% headline rate
Insight panel
A high headline rate may not translate into customer trust if customers struggle to understand the conditions.
Product complexity table
Use risk and category filters, then scan the full product view without changing the underlying complexity logic.
| Product name | Bank | Category | Headline rate | Simplicity score | Conditionality score | Customer comprehension risk | Suggested simplification opportunity |
|---|---|---|---|---|---|---|---|
| Simple Saver | Bank of Queensland | Savings | 4.60% | 58 | 42 | Medium | Reduce bonus hurdles or make qualification progress visible. |
| Life | Westpac | Savings | 5.00% | 59 | 41 | Medium | Reduce bonus hurdles or make qualification progress visible. |
| GoalSaver | Commonwealth Bank | Savings | 4.90% | 68 | 32 | Medium | Reduce bonus hurdles or make qualification progress visible. |
| Savings Maximiser | ING | Savings | 5.10% | 68 | 32 | Medium | Reduce bonus hurdles or make qualification progress visible. |
| Save Account | Ubank | Savings | 5.05% | 68 | 32 | Medium | Reduce bonus hurdles or make qualification progress visible. |
| Online Saver | ANZ | Savings | 4.65% | 69 | 31 | Medium | Clarify linked-account requirements in onboarding and pricing copy. |
| Term Deposit 6 months | Bendigo Bank | Term Deposit | 4.35% | 69 | 31 | Medium | Simplify balance tiers or explain them with clearer thresholds. |
| Term Deposit 12 months | Suncorp Bank | Term Deposit | 4.55% | 69 | 31 | Medium | Surface fees and waiver rules more clearly in the product journey. |
| Term Deposit 12 months | Macquarie | Term Deposit | 4.60% | 69 | 31 | Medium | Surface fees and waiver rules more clearly in the product journey. |
| Reward Saver | NAB | Savings | 4.75% | 72 | 28 | Low | Reduce bonus hurdles or make qualification progress visible. |
| Saver Account | AMP | Savings | 4.70% | 72 | 28 | Low | Reduce bonus hurdles or make qualification progress visible. |
| Smart Access | Commonwealth Bank | Transaction | 0.05% | 81 | 19 | Low | Clarify linked-account requirements in onboarding and pricing copy. |
| Access Advantage | ANZ | Transaction | 0.00% | 81 | 19 | Low | Clarify linked-account requirements in onboarding and pricing copy. |
| Choice | Westpac | Transaction | 0.01% | 82 | 18 | Low | Clarify linked-account requirements in onboarding and pricing copy. |
| Savings Account | Macquarie | Savings | 4.85% | 90 | 10 | Low | Clarify linked-account requirements in onboarding and pricing copy. |