{
  "snapshot_at": "2026-11-13T01:40:46Z",
  "brand": "ANZ",
  "brand_slug": "anz",
  "product_id": "966088bd-e7f8-0422-ecb0-3f107f581dac",
  "cdr_url": "https://api.anz/cds-au/v1/banking/products/966088bd-e7f8-0422-ecb0-3f107f581dac",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://api.anz/cds-au/v1/banking/products/966088bd-e7f8-0422-ecb0-3f107f581dac'",
  "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://www.anz.com.au/personal/bank-accounts/savings-accounts/premium-cash-management/",
      "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/premium-cash-management/",
      "termsUri": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/saving-transaction-products-tcs.pdf"
    },
    "applicationUri": "https://applyapp.anz.com/?producttype=pc&sourcecode_1=ZO01&schema=sola",
    "brand": "ANZ",
    "cardArt": [
      {
        "cardScheme": "VISA",
        "cardType": "DEBIT",
        "imageUri": "https://www.anz.com.au/content/dam/scfe/external/app/cards/Debit_ANZ_Access_Visa_Debit_Blue.png",
        "title": "ANZ Access Visa Debit Card"
      }
    ],
    "description": "Cash management account for holding and managing investment funds.",
    "isTailored": false,
    "lastUpdated": "2026-11-12T13:04:00.000Z",
    "name": "ANZ Premium Cash Management Account",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "productId": "966088bd-e7f8-0422-ecb0-3f107f581dac",
    "bundles": [],
    "constraints": [],
    "depositRates": [
      {
        "applicabilityConditions": [],
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "depositRateType": "VARIABLE",
        "rate": "0.00",
        "tiers": [
          {
            "applicabilityConditions": [
              {
                "additionalInfo": "Balance between $0 and $9,999",
                "rateApplicabilityType": "OTHER"
              }
            ],
            "maximumValue": "9999.00",
            "minimumValue": "0.00",
            "name": "Balance",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "DOLLAR"
          }
        ]
      },
      {
        "applicabilityConditions": [],
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "depositRateType": "VARIABLE",
        "rate": "0.0005",
        "tiers": [
          {
            "applicabilityConditions": [
              {
                "additionalInfo": "Balance between $10,000 and $24,999",
                "rateApplicabilityType": "OTHER"
              }
            ],
            "maximumValue": "24999.00",
            "minimumValue": "10000.00",
            "name": "Balance",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "DOLLAR"
          }
        ]
      },
      {
        "applicabilityConditions": [],
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "depositRateType": "VARIABLE",
        "rate": "0.0005",
        "tiers": [
          {
            "applicabilityConditions": [
              {
                "additionalInfo": "Balance between $25,000 and $49,999",
                "rateApplicabilityType": "OTHER"
              }
            ],
            "maximumValue": "49999.00",
            "minimumValue": "25000.00",
            "name": "Balance",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "DOLLAR"
          }
        ]
      },
      {
        "applicabilityConditions": [],
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "depositRateType": "VARIABLE",
        "rate": "0.0005",
        "tiers": [
          {
            "applicabilityConditions": [
              {
                "additionalInfo": "Balance between $50,000 and $99,999",
                "rateApplicabilityType": "OTHER"
              }
            ],
            "maximumValue": "99999.00",
            "minimumValue": "50000.00",
            "name": "Balance",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "DOLLAR"
          }
        ]
      },
      {
        "applicabilityConditions": [],
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "depositRateType": "VARIABLE",
        "rate": "0.0005",
        "tiers": [
          {
            "applicabilityConditions": [
              {
                "additionalInfo": "Balance between $100,000 and $249,999",
                "rateApplicabilityType": "OTHER"
              }
            ],
            "maximumValue": "249999.00",
            "minimumValue": "100000.00",
            "name": "Balance",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "DOLLAR"
          }
        ]
      },
      {
        "applicabilityConditions": [],
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "depositRateType": "VARIABLE",
        "rate": "0.0005",
        "tiers": [
          {
            "applicabilityConditions": [
              {
                "additionalInfo": "Balance between $250,000 and $499,999",
                "rateApplicabilityType": "OTHER"
              }
            ],
            "maximumValue": "499999.00",
            "minimumValue": "250000.00",
            "name": "Balance",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "DOLLAR"
          }
        ]
      },
      {
        "applicabilityConditions": [],
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "depositRateType": "VARIABLE",
        "rate": "0.0015",
        "tiers": [
          {
            "applicabilityConditions": [
              {
                "additionalInfo": "Balance between $500,000 and $4,999,999",
                "rateApplicabilityType": "OTHER"
              }
            ],
            "maximumValue": "4999999.00",
            "minimumValue": "500000.00",
            "name": "Balance",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "DOLLAR"
          }
        ]
      },
      {
        "applicabilityConditions": [],
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "depositRateType": "VARIABLE",
        "rate": "0.0015",
        "tiers": [
          {
            "applicabilityConditions": [
              {
                "additionalInfo": "Balance $5,000,000 or more",
                "rateApplicabilityType": "OTHER"
              }
            ],
            "minimumValue": "5000000.00",
            "name": "Balance",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "DOLLAR"
          }
        ]
      }
    ],
    "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": "An Australian Resident",
        "additionalInfoUri": "https://www.anz.com.au/personal/bank-accounts/savings-accounts/premium-cash-management/",
        "additionalValue": "An Australian Resident",
        "eligibilityType": "RESIDENCY_STATUS"
      }
    ],
    "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/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"
      },
      {
        "additionalInfoUri": "https://www.anz.com.au/support/online-banking/payments/bpay/",
        "additionalValue": "BPAY",
        "featureType": "BILL_PAYMENT"
      },
      {
        "additionalInfo": "5 other ANZ Transactions fee-free each month  (Fees and charges apply after that).",
        "additionalInfoUri": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/saving-transaction-products-tcs.pdf",
        "additionalValue": "5",
        "featureType": "FREE_TXNS"
      },
      {
        "featureType": "FRAUD_PROTECTION"
      },
      {
        "additionalInfo": "Unlimited Internet Banking Transactions",
        "additionalInfoUri": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/personal-account-fees-charges.pdf",
        "featureType": "UNLIMITED_TXNS"
      },
      {
        "additionalInfo": "Start earning tiered interest when your balance is $10,000 or more",
        "additionalInfoUri": "https://www.anz.com.au/personal/bank-accounts/savings-accounts/premium-cash-management/",
        "featureType": "OTHER"
      },
      {
        "additionalInfoUri": "https://www.anz.com.au/personal/ways-to-bank/more/pay-to/",
        "additionalValue": "PayTo",
        "featureType": "BILL_PAYMENT"
      },
      {
        "additionalValue": "ANZ Visa Debit Card",
        "featureType": "CARD_ACCESS"
      }
    ],
    "fees": [
      {
        "additionalInfoUri": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/personal-account-fees-charges.pdf",
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "feeType": "TRANSACTION",
        "fixedAmount": {
          "amount": "2.50"
        },
        "name": "Staff Assisted Transaction"
      },
      {
        "additionalInfoUri": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/personal-account-fees-charges.pdf",
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "feeType": "TRANSACTION",
        "fixedAmount": {
          "amount": "0.50"
        },
        "name": "Electronic Transaction"
      },
      {
        "additionalInfoUri": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/personal-account-fees-charges.pdf",
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "feeType": "TRANSACTION",
        "fixedAmount": {
          "amount": "0.50"
        },
        "name": "Cheque Transaction"
      },
      {
        "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/personal-account-fees-charges.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/personal-account-fees-charges.pdf",
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "rateBased",
        "feeType": "TRANSACTION",
        "name": "Overseas Transaction Fee",
        "rateBased": {
          "rate": "0.03",
          "rateType": "TRANSACTION"
        }
      },
      {
        "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"
      },
      {
        "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": "Replacement for lost or stolen 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": "25.00"
        },
        "name": "Bank Cheque Repurchase Fee"
      },
      {
        "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": "28.00"
        },
        "name": "Telegraphic transfer within Australia from your ANZ account to another account"
      },
      {
        "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 Request at ANZ Branch"
      }
    ],
    "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": []
      }
    ]
  }
}