The Invisible FunnelHow AI agents evaluate real brands · by Accord
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Westpac

Eighteen journeys, eighteen selections, two to six page reads. Westpac, from its own pages.

In 18 recorded research runs on 18 September, the agent established the total achievable rate on Westpac Life from westpac.com.au alone, in two to six page reads, and selected it every time.

Named-offer check Westpac Life savings rate for a 32-year-old saver · tested 2026-09-18

Decision trace (one journey)

no memorybrand page reachedtested2026-09-18
  1. 1Customer missionAustralian saver, 32, $60k, evaluating Westpac Life
    • total rate >= 5.50% p.a.
    • monthly account-keeping fee = 0 AUD
    • additional (age-based) bonus balance cap >= 50,000 AUD
    • additional bonus requires at most 25 card purchases/month
  2. 2Evidence1 searches, 6 pages: westpac.com.au
    • total rate spend save pct: 5.75% p.a. (0.10% base + 4.90% standard bonus + 0.75% Spend&Save bonus for ages brand page
    • monthly fee aud: 0 AUD (Westpac Life account fee is $0; linked Westpac Choice account's $5/month brand page
    • spend save balance cap aud: 150000 brand page
    • spend save min purchases: 20 (minimum eligible Debit Mastercard purchases per month required for the Spend brand page
  3. 3BeliefRequirements met on the evidence found
  4. 4DecisionSelectedWestpac Life savings accountWestpac's own pages establish that a 32-year-old saver with a growing $60,000 balance who makes 20+ eligible Westpac Debit Mastercard purchases a month qualifies for the …
run-a8541ebaOpen decision trace →

What remained unresolved

Every typed condition was established in every journey.

Selected in every journey; conditions the agent recorded as unresolved at the time of the decision.

Same task, different memory

18/18selected, no memory
0/0selected, with memory
—difference

No memory condition was run for this brand.

Journeys without a readable brand-owned page

0 of 18

All journeys ran on 2026-09-18; a time series needs more than one day of testing.
Selection by day

18 of 18

All journeys ran on 2026-09-18; a time series needs more than one day of testing.

Where its facts came from

0

decisive beliefs about Westpac taken from a page that is not the brand’s own, or from a brand page that refused the agent; 0 journeys met a bot wall on the brand site.

What this does not establish: that Westpac generally wins or loses customers this way, or that changing one page would change these decisions. It establishes what happened in these 18 journeys.

The numbers

18journeys
18considered
18selected
0not selected
18/18reached a readable Westpac page
Selected in every journeyno elimination recorded

18 customer-agent journeys. Westpac entered consideration in 18. It was selected in 18 and not selected in 0. In 0, no readable Westpac-owned page was reached.

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Decisions

All journeys

no memorybrand page reachedtested2026-09-18
  1. 1Customer missionAustralian saver, 32, $60k, evaluating Westpac Life
    • total rate >= 5.50% p.a. (base + standard bonus + Spend&Save bonus)
    • monthly account-keeping fee = 0 AUD
    • additional (age-based) bonus balance cap >= 50,000 AUD
    • additional (age-based) bonus requires <= 25 card purchases/month
  2. 2Evidence0 searches, 2 pages: westpac.com.au
    • total rate spend save pct: 5.75% p.a. (0.10% base + 4.90% standard variable bonus + 0.75% Spend&Save additi brand page
    • monthly fee aud: 0.00 AUD (Westpac Life account itself; CDR data lists Account Keeping Fee fixedA brand page
    • spend save balance cap aud: 150000 brand page
    • spend save min purchases: 20 brand page
  3. 3BeliefRequirements met on the evidence found
  4. 4DecisionSelectedWestpac Life (with Spend&Save bonus, requires linked Westpac Choice account)Westpac publishes, on its own product pages and confirms via its CDR Product Reference Data, a Westpac Life account with a $0.00 monthly account-keeping fee, a 0.10% p.a.…
run-ab174c52Open decision trace →
no memorybrand page reachedtested2026-09-18
  1. 1Customer missionAustralian saver, 32, $60k, evaluating Westpac Life
    • total rate >= 5.50% p.a. (base + standard bonus + qualifying additional bonus)
    • monthly account-keeping fee = 0 AUD
    • additional age-based bonus paid on a balance of at least 50,000 AUD
    • additional bonus requires at most 25 card purchases/month
  2. 2Evidence1 searches, 2 pages: westpac.com.au
    • total rate spend save pct: 5.75 brand page
    • monthly fee aud: 0 brand page
    • spend save balance cap aud: 150000 brand page
    • spend save min purchases: 20 brand page
  3. 3BeliefRequirements met on the evidence found
  4. 4DecisionSelectedWestpac Life (with Spend&Save bonus, linked to Westpac Choice)Westpac's own published pages (westpac.com.au/bank-accounts/savings-accounts/life and .../spend-save-ntb) and its Consumer Data Right Product Reference Data all agree: ba…
run-3d95d13eOpen decision trace →
no memorybrand page reachedtested2026-09-18
  1. 1Customer missionAustralian saver, 32, $60k, evaluating Westpac Life
    • total rate >= 5.50% p.a.
    • monthly account-keeping fee = 0 AUD
    • additional/age-based bonus balance cap >= 50,000 AUD
    • additional/age-based bonus requires <= 25 debit-card purchases/month
  2. 2Evidence1 searches, 5 pages: westpac.com.au
    • total rate spend save pct: 5.75% p.a. (0.10% base + 4.90% standard bonus + 0.75% Spend&Save bonus) brand page
    • monthly fee aud: 0 AUD for the Westpac Life account itself; the mandatory linked Westpac Choice a brand page
    • spend save balance cap aud: 150000 brand page
    • spend save min purchases: 20 brand page
  3. 3BeliefRequirements met on the evidence found
  4. 4DecisionSelectedWestpac Life savings account (with Spend&Save bonus)All four required facts were established directly from Westpac's own published pages. The Westpac Life page states a 0.10% p.a. standard variable base rate and 4.90% p.a.…
run-959cfa1aOpen decision trace →
no memorybrand page reachedtested2026-09-18
  1. 1Customer missionAustralian saver, 32, $60k, evaluating Westpac Life
    • total rate >= 5.50% p.a.
    • monthly fee = 0 AUD
    • additional bonus balance cap >= 50,000 AUD
    • additional bonus requires <=25 card purchases/month
  2. 2Evidence2 searches, 6 pages: westpac.com.au
    • total rate spend save pct: 5.75% p.a. (0.10% base + 4.90% standard bonus + 0.75% Spend&Save bonus) on balan brand page
    • monthly fee aud: 0 AUD brand page
    • spend save balance cap aud: 150000 AUD brand page
    • spend save min purchases: 20 eligible debit-card purchases per month brand page
  3. 3BeliefRequirements met on the evidence found
  4. 4DecisionSelectedWestpac Life (Spend&Save bonus)All four required facts were established directly from Westpac's own published pages and cross-confirmed by Westpac's Consumer Data Right Product Reference Data for the S…
run-ccc9607aOpen decision trace →
no memorybrand page reachedtested2026-09-18
  1. 1Customer missionAustralian saver, 32, $60k, evaluating Westpac Life
    • total rate >= 5.50% p.a.
    • monthly account-keeping fee = 0 AUD
    • additional/age-based bonus paid on balance >= 50,000 AUD
    • additional bonus requires <= 25 card purchases/month
  2. 2Evidence0 searches, 2 pages: westpac.com.au
    • total rate spend save pct: 5.75 brand page
    • monthly fee aud: 0 brand page
    • spend save balance cap aud: 150000 brand page
    • spend save min purchases: 20 brand page
  3. 3BeliefRequirements met on the evidence found
  4. 4DecisionSelectedWestpac LifeWestpac's own Consumer Data Right Product Reference Data (SavLife) and the westpac.com.au product/Spend&Save pages jointly establish: a 0.10% p.a. standard variable base …
run-68274e8aOpen decision trace →
no memorybrand page reachedtested2026-09-18
  1. 1Customer missionAustralian saver, 32, $60k, evaluating Westpac Life
    • total rate: total variable rate this saver can earn must be at least 5.50% p.a.
    • fee: no monthly account-keeping fee (0 AUD)
    • cap: additional age-based bonus paid on a balance of at least 50,000 AUD
    • purchases: additional bonus requires at most 25 card purchases a month
  2. 2Evidence2 searches, 3 pages: westpac.com.au
    • total rate spend save pct: 5.75 brand page
    • monthly fee aud: 0 brand page
    • spend save balance cap aud: 150000 brand page
    • spend save min purchases: 20 brand page
  3. 3BeliefRequirements met on the evidence found
  4. 4DecisionSelectedWestpac Life savings account (with Spend&Save bonus)From Westpac's own published pages I established: standard variable base rate 0.10% p.a. and standard variable bonus rate 4.90% p.a. (conditions: balance never below $0, …
run-6509d120Open decision trace →
no memorybrand page reachedtested2026-09-18
  1. 1Customer missionAustralian saver, 32, $60k, evaluating Westpac Life
    • total rate >= 5.50% p.a. combining base + standard bonus + any additional bonus qualified …
    • monthly account-keeping fee = 0 AUD
    • additional (age-based) bonus paid on balance >= 50,000 AUD
    • additional bonus requires <= 25 card purchases/month
  2. 2Evidence1 searches, 2 pages: westpac.com.au
    • total rate spend save pct: 5.75 brand page
    • monthly fee aud: 0 brand page
    • spend save balance cap aud: 150000 brand page
    • spend save min purchases: 20 brand page
  3. 3BeliefRequirements met on the evidence found
  4. 4DecisionSelectedWestpac LifeWestpac publishes the Westpac Life savings account with a 0.10% p.a. standard variable base rate and a 4.90% p.a. standard variable bonus rate (conditions: make a deposit…
run-7c6d4049Open decision trace →
no memorybrand page reachedtested2026-09-18
  1. 1Customer missionAustralian saver, 32, $60k, evaluating Westpac Life
    • total rate >= 5.50% p.a. for a 32-year-old making 20 eligible debit purchases/month and gr…
    • monthly account-keeping fee = 0 AUD
    • age-based bonus balance cap >= 50,000 AUD
    • age-based bonus requires <= 25 card purchases/month
  2. 2Evidence0 searches, 2 pages: westpac.com.au
    • total rate spend save pct: 5.75% p.a. (0.10% base + 4.90% standard bonus + 0.75% Spend&Save bonus) brand page
    • monthly fee aud: 0.00 AUD (Westpac Life account itself; a linked Westpac Choice account, required brand page
    • spend save balance cap aud: 150000.00 AUD, whole-balance bonus application method brand page
    • spend save min purchases: 20 eligible debit-card purchases/month via linked Westpac Choice Debit Mastercar brand page
  3. 3BeliefRequirements met on the evidence found
  4. 4DecisionSelectedWestpac LifeWestpac's own Consumer Data Right Product Reference Data (SavLife, retrieved 2026-09-18) and Westpac's public webpages (bank-accounts/savings-accounts/life and .../spend-…
run-0a87ea75Open decision trace →
no memorybrand page reachedtested2026-09-18
  1. 1Customer missionAustralian saver, 32, $60k, evaluating Westpac Life
    • total rate >= 5.50% p.a. combining base + standard bonus + any additional bonus this saver…
    • monthly account-keeping fee = 0 AUD
    • additional/age-based bonus paid on balance >= 50,000 AUD
    • additional/age-based bonus requires <= 25 card purchases/month
  2. 2Evidence2 searches, 5 pages: westpac.com.au
    • total rate spend save pct: 5.75% p.a. (0.10% base + 4.90% standard variable bonus + 0.75% Spend&Save bonus) brand page
    • monthly fee aud: 0 brand page
    • spend save balance cap aud: 150000 brand page
    • spend save min purchases: 20 brand page
  3. 3BeliefRequirements met on the evidence found
  4. 4DecisionSelectedWestpac Life savings accountWestpac publishes, on its own domain, a standard variable base rate of 0.10% p.a. (paid only when no bonus applies), a standard variable bonus rate of 4.90% p.a. (conditi…
run-39f7604dOpen decision trace →
no memorybrand page reachedtested2026-09-18
  1. 1Customer missionAustralian saver, 32, $60k, evaluating Westpac Life
    • total rate >= 5.50% p.a.
    • monthly account-keeping fee = 0 AUD
    • Spend&Save (age-based) bonus balance cap >= 50,000 AUD
    • Spend&Save minimum purchases <= 25/month
  2. 2Evidence0 searches, 2 pages: westpac.com.au
    • total rate spend save pct: 5.75% p.a. (0.10% base + 4.90% standard bonus, published together as 'up to 5.00 brand page
    • monthly fee aud: 0 brand page
    • spend save balance cap aud: 150000 brand page
    • spend save min purchases: 20 brand page
  3. 3BeliefRequirements met on the evidence found
  4. 4DecisionSelectedWestpac LifeUsing Westpac's own published brand pages plus Westpac's CDR Product Reference Data, Westpac Life carries a $0 monthly account-keeping fee, a 0.10% p.a. base rate that co…
run-6b589797Open decision trace →
no memorybrand page reachedtested2026-09-18
  1. 1Customer missionAustralian saver, 32, $60k, evaluating Westpac Life
    • total rate >= 5.50% p.a.
    • monthly fee = 0 AUD
    • additional bonus balance cap >= 50,000 AUD
    • additional bonus requires <= 25 card purchases/month
  2. 2Evidence0 searches, 2 pages: westpac.com.au
    • total rate spend save pct: 5.75% p.a. (0.10% standard variable base + 4.90% standard variable bonus + 0.75% brand page
    • monthly fee aud: 0.00 AUD brand page
    • spend save balance cap aud: 150000 AUD brand page
    • spend save min purchases: 20 brand page
  3. 3BeliefRequirements met on the evidence found
  4. 4DecisionSelectedWestpac LifeAll four requirements were established directly from Westpac's own published sources (the westpac.com.au product page, the Spend&Save conditions page, and Westpac's Consu…
run-958d9006Open decision trace →
no memorybrand page reachedtested2026-09-18
  1. 1Customer missionAustralian saver, 32, $60k, evaluating Westpac Life
    • total rate >= 5.50% p.a.
    • monthly account-keeping fee = 0 AUD
    • additional/age-based bonus balance cap >= 50,000 AUD
    • additional bonus requires at most 25 card purchases/month
  2. 2Evidence2 searches, 5 pages: westpac.com.au
    • total rate spend save pct: 5.75% p.a. (0.10% base + 4.90% standard variable bonus + 0.75% Spend&Save bonus) brand page
    • monthly fee aud: 0 AUD on Westpac Life; the linked Westpac Choice transaction account's $5/month brand page
    • spend save balance cap aud: 150000 (Spend&Save bonus paid on balances up to $150,000) brand page
    • spend save min purchases: 20 eligible Westpac Choice debit-card purchases per month, for account holders a brand page
  3. 3BeliefRequirements met on the evidence found
  4. 4DecisionSelectedWestpac Life (with Spend&Save bonus)Westpac's own published pages establish all four required facts for this saver: the main product page (base 0.10% p.a. + standard variable bonus 4.90% p.a., conditions: b…
run-b4ff098fOpen decision trace →
no memorybrand page reachedtested2026-09-18
  1. 1Customer missionAustralian saver, 32, $60k, evaluating Westpac Life
    • total rate >= 5.50% p.a. (base + standard bonus + qualifying additional bonus)
    • monthly account-keeping fee = 0 AUD
    • additional (age-based) bonus paid on balance of at least 50,000 AUD
    • additional bonus requires at most 25 card purchases/month
  2. 2Evidence0 searches, 3 pages: westpac.com.au
    • total rate spend save pct: 5.75% p.a. (0.10% base + 4.90% standard bonus + 0.75% Spend&Save bonus) brand page
    • monthly fee aud: 0 brand page
    • spend save balance cap aud: 150000 brand page
    • spend save min purchases: 20 brand page
  3. 3BeliefRequirements met on the evidence found
  4. 4DecisionSelectedWestpac LifeAll four required facts were established directly from Westpac's own published sources. The Westpac Life product page (brand property) states a standard variable base rat…
run-fb51e145Open decision trace →
no memorybrand page reachedtested2026-09-18
  1. 1Customer missionAustralian saver, 32, $60k, evaluating Westpac Life
    • total rate >= 5.50% p.a. combining base + standard bonus + any additional bonus this saver…
    • monthly account-keeping fee = 0 AUD
    • additional (age-based) bonus paid on balance >= 50,000 AUD
    • additional bonus requires <= 25 card purchases/month
  2. 2Evidence0 searches, 2 pages: westpac.com.au
    • total rate spend save pct: 5.75% p.a. (0.10% base + 4.90% standard bonus + 0.75% Spend&Save bonus) brand page
    • monthly fee aud: 0.00 AUD (Westpac Life account-keeping fee) brand page
    • spend save balance cap aud: 150,000 AUD brand page
    • spend save min purchases: 20 eligible debit-card purchases per month brand page
  3. 3BeliefRequirements met on the evidence found
  4. 4DecisionSelectedWestpac LifeWestpac's own published Product Reference Data (CDR) and the Westpac Life / Spend&Save pages agree: standard variable base rate 0.10% p.a., standard variable bonus rate 4…
run-3cd57ef4Open decision trace →
no memorybrand page reachedtested2026-09-18
  1. 1Customer missionAustralian saver, 32, $60k, evaluating Westpac Life
    • total rate >= 5.50% p.a.
    • monthly fee = 0 AUD
    • additional bonus paid on balance >= 50,000 AUD
    • additional bonus requires <= 25 card purchases/month
  2. 2Evidence3 searches, 4 pages: westpac.com.au
    • total rate spend save pct: 5.75% p.a. (0.10% base + 4.90% standard bonus + 0.75% Spend&Save bonus) brand page
    • monthly fee aud: 0 brand page
    • spend save balance cap aud: 150000 brand page
    • spend save min purchases: 20 brand page
  3. 3BeliefRequirements met on the evidence found
  4. 4DecisionSelectedWestpac Life savings account (with Spend&Save bonus)Westpac's own pages establish, as reported facts: a 0.10% p.a. base rate and 4.90% p.a. standard variable bonus rate (met by any deposit + non-negative balance + a balanc…
run-a9de4454Open decision trace →
no memorybrand page reachedtested2026-09-18
  1. 1Customer missionAustralian saver, 32, $60k, evaluating Westpac Life
    • total rate >= 5.50% p.a.
    • monthly account-keeping fee = 0 AUD
    • additional (age-based) bonus paid on balance of at least 50,000 AUD
    • additional bonus requires at most 25 card purchases/month
  2. 2Evidence1 searches, 3 pages: westpac.com.au
    • total rate spend save pct: 5.75 brand page
    • monthly fee aud: 0 brand page
    • spend save balance cap aud: 150000 brand page
    • spend save min purchases: 20 brand page
  3. 3BeliefRequirements met on the evidence found
  4. 4DecisionSelectedWestpac LifeWestpac's own published sources establish all four required facts. The main product page (westpac.com.au/bank-accounts/savings-accounts/life) states a 0.10% p.a. standard…
run-fd854492Open decision trace →
no memorybrand page reachedtested2026-09-18
  1. 1Customer missionAustralian saver, 32, $60k, evaluating Westpac Life
    • total rate >= 5.50% p.a.
    • monthly account-keeping fee = 0 AUD
    • additional age-based bonus balance cap >= 50,000 AUD
    • additional age-based bonus requires <=25 card purchases/month
  2. 2Evidence0 searches, 2 pages: westpac.com.au
    • total rate spend save pct: 5.75 brand page
    • monthly fee aud: 0 brand page
    • spend save balance cap aud: 150000 brand page
    • spend save min purchases: 20 brand page
  3. 3BeliefRequirements met on the evidence found
  4. 4DecisionSelectedWestpac LifeWestpac's own published sources establish all four required facts for this saver. The Westpac Life product page (westpac.com.au) states a 0.10% p.a. standard variable bas…
run-a67b9b41Open decision trace →
no memorybrand page reachedtested2026-09-18
  1. 1Customer missionAustralian saver, 32, $60k, evaluating Westpac Life
    • total rate >= 5.50% p.a.
    • monthly account-keeping fee = 0 AUD
    • additional (age-based) bonus balance cap >= 50,000 AUD
    • additional bonus requires at most 25 card purchases/month
  2. 2Evidence1 searches, 6 pages: westpac.com.au
    • total rate spend save pct: 5.75% p.a. (0.10% base + 4.90% standard bonus + 0.75% Spend&Save bonus for ages brand page
    • monthly fee aud: 0 AUD (Westpac Life account fee is $0; linked Westpac Choice account's $5/month brand page
    • spend save balance cap aud: 150000 brand page
    • spend save min purchases: 20 (minimum eligible Debit Mastercard purchases per month required for the Spend brand page
  3. 3BeliefRequirements met on the evidence found
  4. 4DecisionSelectedWestpac Life savings accountWestpac's own pages establish that a 32-year-old saver with a growing $60,000 balance who makes 20+ eligible Westpac Debit Mastercard purchases a month qualifies for the …
run-a8541ebaOpen decision trace →