{
  "snapshot_at": "2026-11-13T01:40:46Z",
  "brand": "ANZ",
  "brand_slug": "anz",
  "product_id": "3776f456-9612-1354-70db-a165f84ef653",
  "cdr_url": "https://api.anz/cds-au/v1/banking/products/3776f456-9612-1354-70db-a165f84ef653",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://api.anz/cds-au/v1/banking/products/3776f456-9612-1354-70db-a165f84ef653'",
  "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": {
    "additionalInformation": {
      "eligibilityUri": "https://applyapp.anz.com/?producttype=os&sourcecode_1=OCE&schema=sola",
      "feesAndPricingUri": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/personal-account-fees-charges.pdf",
      "overviewUri": "https://www.anz.com.au/personal/bank-accounts/savings-accounts/online-saver/",
      "termsUri": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/saving-transaction-products-tcs.pdf"
    },
    "applicationUri": "https://applyapp.anz.com/?producttype=os&sourcecode_1=OCE&schema=sola",
    "brand": "ANZ",
    "cardArt": [],
    "description": "Online savings account with a standard variable interest rate",
    "isTailored": false,
    "lastUpdated": "2026-11-12T13:03:00.000Z",
    "name": "ANZ Online Saver",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "productId": "3776f456-9612-1354-70db-a165f84ef653",
    "bundles": [],
    "constraints": [],
    "depositRates": [
      {
        "applicabilityConditions": [],
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "depositRateType": "VARIABLE",
        "rate": "0.0185",
        "tiers": []
      }
    ],
    "eligibility": [
      {
        "additionalInfo": "You must be 12 years of age or older to apply",
        "additionalValue": "12",
        "eligibilityType": "MIN_AGE"
      },
      {
        "additionalValue": "You must be an Australian resident with an Australian residential and mailing address.",
        "eligibilityType": "RESIDENCY_STATUS"
      },
      {
        "additionalInfo": "ANZ Online Saver is only available to customers who open or who are the account holders of, or signatories to, eligible ANZ everyday banking accounts with ANZ Internet Banking or ANZ Phone Banking access. Eligible accounts include ANZ Access Advantage, ANZ Access Basic, ANZ Pensioner Advantage, ANZ Progress Saver, ANZ V2 PLUS and ANZ Premium Cash Management Account. Terms and conditions and fees and charges apply to the eligible account. Monthly fees may apply to the linked account.",
        "eligibilityType": "OTHER"
      }
    ],
    "features": [
      {
        "additionalInfo": "Access using ANZ Internet Banking or ANZ App",
        "additionalInfoUri": "https://www.anz.com.au/support/online-banking/",
        "featureType": "DIGITAL_BANKING"
      },
      {
        "additionalInfo": "Create a PayID® on your eligible account (PDF) using your mobile phone, email or ABN/ACN (if eligible). With PayID, it's easier to receive payments or set up a PayTo agreement by sharing your PayID instead of your BSB and account number.",
        "additionalInfoUri": "https://www.anz.com.au/support/online-banking/payments/pay-id/",
        "featureType": "NPP_PAYID"
      },
      {
        "additionalInfoUri": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/saving-transaction-products-tcs.pdf",
        "featureType": "NPP_ENABLED"
      },
      {
        "additionalInfoUri": "https://www.anz.com.au/support/online-banking/payments/bpay/",
        "additionalValue": "BPAY",
        "featureType": "BILL_PAYMENT"
      },
      {
        "featureType": "FRAUD_PROTECTION"
      },
      {
        "additionalInfo": "Open an ANZ Online Saver and earn standard variable interest, even if you make a withdrawal.\nStandard variable rate subject to change.",
        "additionalInfoUri": "https://www.anz.com.au/personal/bank-accounts/savings-accounts/online-saver/",
        "featureType": "OTHER"
      },
      {
        "additionalInfo": "No monthly account service fees",
        "featureType": "OTHER"
      },
      {
        "additionalInfo": "No minimum balance",
        "featureType": "OTHER"
      },
      {
        "additionalInfo": "Standard variable interest, even if you make a withdrawal",
        "featureType": "OTHER"
      },
      {
        "additionalInfo": "Access to your money anytime online via your linked bank account",
        "featureType": "OTHER"
      },
      {
        "additionalInfoUri": "https://www.anz.com.au/personal/ways-to-bank/more/pay-to/",
        "additionalValue": "PayTo",
        "featureType": "BILL_PAYMENT"
      }
    ],
    "fees": [
      {
        "additionalInfo": "Debited to your account on the day of the dishonour for determining whether to process a debit to your account using the Informal Overdraft facility, where that debit is declined. A Dishonour Fee is only debited when the payment from your account that is declined was attempted via cheque or direct debit",
        "additionalInfoUri": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/personal-account-fees-charges.pdf",
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "feeType": "DISHONOUR",
        "fixedAmount": {
          "amount": "6.00"
        },
        "name": "Dishonour Fee"
      }
    ],
    "lendingRates": [
      {
        "additionalValue": "Retail Index Rate + 8.5%",
        "applicabilityConditions": [],
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "PENALTY",
        "loanPurpose": "OTHER",
        "rate": "0.212",
        "repaymentType": "OTHER",
        "tiers": []
      }
    ]
  }
}