{
  "snapshot_at": "2026-10-22T13:24:02Z",
  "brand": "AMP - My AMP",
  "brand_slug": "amp-my-amp",
  "product_id": "AMP_OFFSET_ACCOUNT",
  "cdr_url": "https://api.cdr-api.amp.com.au/cds-au/v1/banking/products/AMP_OFFSET_ACCOUNT",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://api.cdr-api.amp.com.au/cds-au/v1/banking/products/AMP_OFFSET_ACCOUNT'",
  "note": "Verbatim `data` object of the bank's CDR product detail response, as fetched. The live endpoint needs the x-v header shown in how_to_fetch and will not open in a browser.",
  "data": {
    "productId": "AMP_OFFSET_ACCOUNT",
    "lastUpdated": "2026-06-24T16:00:00.000Z",
    "name": "AMP Offset Deposit Account",
    "description": "Reduce the term and interest repayments on your home loan",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "brand": "AMP – My AMP",
    "brandName": "Lending and bank accounts, both associated with BSB number 939 200",
    "applicationUri": "https://secure.amp.com.au/ddc/public/ui/offset-account",
    "isTailored": false,
    "fees": [
      {
        "name": "Monthly Account Management Fee - Basic Home Loan offset",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "6"
        },
        "additionalValue": "P1M",
        "additionalInfo": "Only payable when your offset account is attached to a Basic Variable Home Loan. Fee is not applicable to offset accounts attached to any other loan type.",
        "additionalInfoUri": "https://www.amp.com.au/personal-banking/bank-terms-and-conditions"
      },
      {
        "name": "International ATM cash withdrawal fee",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "4.5"
        },
        "additionalInfo": "When you withdraw from your account at any international ATM",
        "additionalInfoUri": "https://www.amp.com.au/personal-banking/bank-terms-and-conditions"
      },
      {
        "name": "Currency conversion fee",
        "feeType": "TRANSACTION",
        "feeMethodUType": "rateBased",
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.025"
        },
        "additionalInfo": "When you use your AMP Visa Debit Card to make a purchase overseas or withdraw from an ATM overseas in a foreign currency and the transaction is converted to Australian dollars",
        "additionalInfoUri": "https://www.amp.com.au/personal-banking/bank-terms-and-conditions"
      },
      {
        "name": "Emergency replacement AMP Visa Debit Card fee",
        "feeType": "REPLACEMENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "15"
        },
        "additionalInfo": "When you request urgent delivery of a replacement AMP Visa Debit Card",
        "additionalInfoUri": "https://www.amp.com.au/personal-banking/bank-terms-and-conditions"
      },
      {
        "name": "Inward SWIFT fee - deposits",
        "feeType": "DEPOSIT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "30"
        },
        "additionalInfo": "When funds are transferred to your account (by SWIFT) from a bank in Australia or overseas (in Australian dollars)",
        "additionalInfoUri": "https://www.amp.com.au/personal-banking/bank-terms-and-conditions"
      },
      {
        "name": "Telegraphic transfer fee - withdrawals",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "30"
        },
        "additionalInfo": "When you request us to transfer funds from your account (by SWIFT) to a bank in Australia (in Australian dollars)\nWhen you request us to transfer funds from your account (by telegraphic transfer) to an overseas bank (in Australian dollars or a foreign currency).",
        "additionalInfoUri": "https://www.amp.com.au/personal-banking/bank-terms-and-conditions"
      },
      {
        "name": "Transaction trace fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20"
        },
        "additionalInfo": "When you request us to investigate and trace a transaction",
        "additionalInfoUri": "https://www.amp.com.au/personal-banking/bank-terms-and-conditions"
      },
      {
        "name": "Visa dispute fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "25"
        },
        "additionalInfo": "When you dispute a Visa transaction and we do not find in your favour",
        "additionalInfoUri": "https://www.amp.com.au/personal-banking/bank-terms-and-conditions"
      },
      {
        "name": "Audit certificate fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "25"
        },
        "additionalInfo": "When you or an auditor request an audit certificate for your account",
        "additionalInfoUri": "https://www.amp.com.au/personal-banking/bank-terms-and-conditions"
      }
    ],
    "features": [
      {
        "featureType": "CARD_ACCESS",
        "additionalValue": "Visa Debit Card",
        "additionalInfo": "A card is available for the product to access funds",
        "additionalInfoUri": "https://www.amp.com.au/personal-banking/ways-to-bank"
      },
      {
        "featureType": "UNLIMITED_TXNS",
        "additionalInfo": "Unlimited free transactions available",
        "additionalInfoUri": "https://www.amp.com.au/personal-banking/bank-terms-and-conditions"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Make payments with Apple Pay, Samsung Pay or Google Pay using your device anywhere you can tap your Visa Debit Card",
        "additionalInfo": "A Digital wallet can be attached to the product",
        "additionalInfoUri": "https://www.amp.com.au/personal-banking/ways-to-bank"
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Access is available to online banking features for the product",
        "additionalInfoUri": "https://www.amp.com.au/personal-banking/ways-to-bank"
      },
      {
        "featureType": "NPP_ENABLED",
        "additionalInfo": "An account of this product type can be used to receive funds as a result of a BSB/Number based NPP payment"
      }
    ],
    "constraints": [
      {
        "additionalInfoUri": "https://www.amp.com.au/personal-banking/bank-terms-and-conditions",
        "additionalValue": "0",
        "additionalInfo": "You don't need to maintain a specific minimum balance",
        "constraintType": "MIN_BALANCE"
      },
      {
        "additionalInfoUri": "https://www.amp.com.au/personal-banking/bank-terms-and-conditions",
        "additionalValue": "5000000",
        "additionalInfo": "Balances over $5,000,000 are available at our discretion.",
        "constraintType": "MAX_BALANCE"
      }
    ],
    "depositRates": [
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalInfoUri": "https://www.amp.com.au/personal-banking/interest-rates-fees",
        "additionalInfo": "100% interest offset against attached loan account"
      }
    ],
    "additionalInformation": {}
  }
}