{
  "snapshot_at": "2026-11-13T01:40:46Z",
  "brand": "ANZ",
  "brand_slug": "anz",
  "product_id": "78df30d3-62c7-448d-b8ed-5da59894eb79",
  "cdr_url": "https://api.anz/cds-au/v1/banking/products/78df30d3-62c7-448d-b8ed-5da59894eb79",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://api.anz/cds-au/v1/banking/products/78df30d3-62c7-448d-b8ed-5da59894eb79'",
  "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": "http://www.anz.com/personal/bank-accounts/microsite/adviser-services/anz-v2-plus/?CID=af:obank:sv",
      "feesAndPricingUri": "http://www.anz.com/personal/bank-accounts/microsite/adviser-services/anz-v2-plus/?CID=af:obank:sv",
      "overviewUri": "http://www.anz.com/personal/bank-accounts/microsite/adviser-services/anz-v2-plus/?CID=af:obank:sv",
      "termsUri": "http://www.anz.com/auxiliary/rates-fees-terms/fees-terms-conditions/?CID=af:obank:sv#FTPDS"
    },
    "applicationUri": "https://onlineapps.anz.com/third-party-deposit/?CID=af:obank:sv#/landing",
    "brand": "ANZ",
    "cardArt": [],
    "description": "Distributed via a range of approved Third Parties such as stockbrokers, accountants and SMSF administrators who open deposit accounts on behalf of their customers",
    "isTailored": false,
    "lastUpdated": "2026-11-12T13:04:00.000Z",
    "name": "ANZ V2 PLUS",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "productId": "78df30d3-62c7-448d-b8ed-5da59894eb79",
    "bundles": [],
    "constraints": [],
    "depositRates": [
      {
        "applicabilityConditions": [],
        "applicationFrequency": "P3M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "depositRateType": "VARIABLE",
        "rate": "0.046",
        "tiers": []
      }
    ],
    "eligibility": [
      {
        "additionalInfo": "You must be 18 years of age or older to apply",
        "additionalValue": "18",
        "eligibilityType": "MIN_AGE"
      }
    ],
    "features": [
      {
        "additionalInfo": "Access using ANZ Internet Banking or ANZ App",
        "additionalInfoUri": "https://www.anz.com.au/ways-to-bank/internet-banking/personal/?CID=af:obank:sv",
        "featureType": "DIGITAL_BANKING"
      },
      {
        "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/ways-to-bank/more/bpay/?CID=af:obank:sv",
        "additionalValue": "BPAY",
        "featureType": "BILL_PAYMENT"
      },
      {
        "additionalInfoUri": "https://www.anz.com.au/ways-to-bank/digital-wallets/apple-pay/",
        "additionalValue": "Apple Pay",
        "featureType": "DIGITAL_WALLET"
      },
      {
        "additionalInfoUri": "https://www.anz.com.au/ways-to-bank/digital-wallets/google-pay/",
        "additionalValue": "Google Pay",
        "featureType": "DIGITAL_WALLET"
      },
      {
        "additionalInfoUri": "https://www.anz.com.au/ways-to-bank/digital-wallets/samsung-pay/",
        "additionalValue": "Samsung Pay",
        "featureType": "DIGITAL_WALLET"
      },
      {
        "additionalInfoUri": "https://www.anz.com.au/ways-to-bank/digital-wallets/",
        "additionalValue": "Fitbit Pay",
        "featureType": "DIGITAL_WALLET"
      },
      {
        "additionalInfoUri": "https://www.anz.com.au/ways-to-bank/digital-wallets/garmin-pay/",
        "additionalValue": "Garmin Pay",
        "featureType": "DIGITAL_WALLET"
      },
      {
        "additionalInfo": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/personal-account-fees-charges.pdf",
        "additionalInfoUri": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/personal-account-fees-charges.pdf?MOD=AJPERES&CID=af:obank:sv",
        "additionalValue": "5",
        "featureType": "FREE_TXNS"
      },
      {
        "featureType": "FRAUD_PROTECTION"
      },
      {
        "additionalInfo": "Simple & Flexible\nThe ability to have either ‘full transactional’ or ‘view-only’ access to the account, depending on your client's needs.",
        "additionalInfoUri": "https://www.anz.com.au/personal/adviser-services/our-products/cash-account/",
        "featureType": "OTHER"
      }
    ],
    "fees": [
      {
        "additionalInfoUri": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/personal-account-fees-charges.pdf?CID=af:obank:sv",
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "feeType": "TRANSACTION",
        "fixedAmount": {
          "amount": "2.50"
        },
        "name": "Staff Assisted Transaction"
      },
      {
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "feeType": "TRANSACTION",
        "fixedAmount": {
          "amount": "0.50"
        },
        "name": "Electronic Transaction"
      },
      {
        "additionalInfo": "Providing bank cheques (Australian dollars only) This is a charge for issuing a bank cheque to an ANZ account holder.",
        "additionalInfoUri": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/personal-banking-general-fees-charges.pdf",
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "feeType": "EVENT",
        "fixedAmount": {
          "amount": "10.00"
        },
        "name": "Bank Cheque At ANZ Branch"
      },
      {
        "additionalInfo": "Providing bank cheques (Australian dollars only) This is a charge for issuing a bank cheque to an ANZ account holder.",
        "additionalInfoUri": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/personal-banking-general-fees-charges.pdf",
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "feeType": "EVENT",
        "fixedAmount": {
          "amount": "7.50"
        },
        "name": "Bank Cheque Request through ANZ Internet Banking"
      },
      {
        "additionalInfoUri": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/personal-banking-general-fees-charges.pdf",
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "feeType": "EVENT",
        "fixedAmount": {
          "amount": "25.00"
        },
        "name": "Repurchase of Bank Cheque"
      },
      {
        "additionalInfoUri": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/personal-banking-general-fees-charges.pdf",
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "feeType": "EVENT",
        "fixedAmount": {
          "amount": "32.50"
        },
        "name": "Replacing a lost or stolen bank cheque"
      },
      {
        "additionalInfo": "Applicable for a withdrawal from a non-ANZ ATM outside Australia (per withdrawal), and debited to your account at the same time as the withdrawal is debited",
        "additionalInfoUri": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/saving-transaction-products-tcs.pdf",
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "feeType": "TRANSACTION",
        "fixedAmount": {
          "amount": "5.00"
        },
        "name": "Overseas ATM Transaction Fee"
      },
      {
        "additionalInfo": "ANZ will charge 3% of the value of any International Transaction charged or credited to an ANZ account.",
        "additionalInfoUri": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/saving-transaction-products-tcs.pdf",
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "rateBased",
        "feeType": "TRANSACTION",
        "name": "Overseas Transaction Fee",
        "rateBased": {
          "rate": "0.03",
          "rateType": "TRANSACTION"
        }
      },
      {
        "additionalInfo": "A Dishonour Fee is only debited when the payment from your account that is declined was attempted via cheque or direct debit",
        "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": []
      }
    ]
  }
}