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 18 runs · named-offer check · one research-agent configuration · no account opened · 2026-09-21 · all 18 journeys of this decision
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. No third-party page entered any decision.
- The customer’s requirements
- Total rate at least 5.50% p.a.; monthly account-keeping fee of $0; the age-based bonus balance cap at least $50,000; the extra bonus requiring at most 25 card purchases a month.
- The information used
- 0.10% base plus 4.90% standard bonus plus 0.75% Spend&Save bonus for ages 18 to 40 on balances up to $150,000, a total of 5.75% p.a.; $0 account fee; all read on westpac.com.au.
- The resulting recommendation
- Westpac Life, 18 runs out of 18.
The full evidence, every option weighed and every source, follows below and on each journey page.
The customer
An Australian saver, 32, with a growing $60,000 balance who makes more than 20 debit-card purchases a month, evaluating Westpac Life. Four typed conditions: at least 5.50% p.a. total, $0 monthly fee, a bonus balance cap of at least $50,000, at most 25 card purchases a month to earn the extra bonus. Eighteen journeys, no memory arm.
What the agent researched
westpac.com.au and nothing else. Two to six page reads per journey. The savings-account pages carried the base rate, the standard bonus, the Spend&Save age bonus and the fee.
What it believed
5.75% p.a. in total: 0.10% base, 4.90% standard bonus conditional on the balance not falling during the month, 0.75% Spend&Save for ages 18 to 40 on balances up to $150,000. A $0 account fee on Westpac Life. Every belief in the 18 journeys is marked verified on a Westpac page.
The decision
Westpac Life, eighteen times out of eighteen. The agent stopped when the four conditions were met on the brand’s own pages.
What this means for the brand
This is the shortest path in the record: the conditions the customer typed were the conditions the page stated, in the same units. It is also a named-offer mission, so Westpac was given, not found. Whether an agent starting from ‘a savings account in Australia’ would arrive here is a different study.
What could be tested
The open-discovery version: the same saver and requirements with no brand named, to see whether Westpac enters the comparison and on whose pages.
The journeys
- 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
- 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
- 3BeliefRequirements met on the evidence found
- 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 …
- 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
- 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
- 3BeliefRequirements met on the evidence found
- 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…
Limits
- Named-offer mission: the brand was given to the agent; there was no competitor in the comparison.
- Eighteen journeys on one day, one agent configuration, no memory arm.
- Rates are what westpac.com.au stated on 18 September 2026.
- Every journey run with Claude on the live web. Every source, belief and decision published.
Reproduce this experiment → the frozen customer mission, ready to run in your own agent.
Investigated with Accord. Accord is the decision-intelligence system behind these experiments. It reconstructs how customer agents evaluate services, identifies what remains unresolved, and tests what changes when the enterprise provides better information or a more authoritative answer. For brands and CX teams →