{
  "snapshot_at": "2026-11-13T01:40:46Z",
  "brand": "ANZ",
  "brand_slug": "anz",
  "product_id": "a8233e0a-9552-1e7e-3847-1bff290266ef",
  "cdr_url": "https://api.anz/cds-au/v1/banking/products/a8233e0a-9552-1e7e-3847-1bff290266ef",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://api.anz/cds-au/v1/banking/products/a8233e0a-9552-1e7e-3847-1bff290266ef'",
  "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/business/accounts/savings-accounts/online-saver/",
      "feesAndPricingUri": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/transaction-accounts-fees-charges.pdf",
      "overviewUri": "https://www.anz.com.au/business/accounts/savings-accounts/online-saver/",
      "termsUri": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/business-transaction-accounts-tcs.pdf"
    },
    "applicationUri": "https://applyapp.anz.com/?producttype=bos&schema=sbola&sourcecode_1=ANO",
    "brand": "ANZ",
    "cardArt": [],
    "description": "Online business investment account that's linked to your everyday account",
    "isTailored": false,
    "lastUpdated": "2026-11-12T13:04:00.000Z",
    "name": "ANZ Business Online Saver",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "productId": "a8233e0a-9552-1e7e-3847-1bff290266ef",
    "bundles": [],
    "constraints": [],
    "depositRates": [
      {
        "additionalInfoUri": "https://www.anz.com.au/business/accounts/savings-accounts/online-saver/",
        "applicabilityConditions": [],
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "depositRateType": "VARIABLE",
        "rate": "0.00",
        "tiers": [
          {
            "applicabilityConditions": [],
            "maximumValue": "4999.00",
            "minimumValue": "0.00",
            "name": "Balance",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "DOLLAR"
          }
        ]
      },
      {
        "additionalInfoUri": "https://www.anz.com.au/business/accounts/savings-accounts/online-saver/",
        "applicabilityConditions": [],
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "depositRateType": "VARIABLE",
        "rate": "0.0065",
        "tiers": [
          {
            "applicabilityConditions": [],
            "maximumValue": "24999.00",
            "minimumValue": "5000.00",
            "name": "Balance",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "DOLLAR"
          }
        ]
      },
      {
        "additionalInfoUri": "https://www.anz.com.au/business/accounts/savings-accounts/online-saver/",
        "applicabilityConditions": [],
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "depositRateType": "VARIABLE",
        "rate": "0.0105",
        "tiers": [
          {
            "applicabilityConditions": [],
            "maximumValue": "249999.00",
            "minimumValue": "25000.00",
            "name": "Balance",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "DOLLAR"
          }
        ]
      },
      {
        "additionalInfoUri": "https://www.anz.com.au/business/accounts/savings-accounts/online-saver/",
        "applicabilityConditions": [],
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "depositRateType": "VARIABLE",
        "rate": "0.0155",
        "tiers": [
          {
            "applicabilityConditions": [],
            "maximumValue": "499999.00",
            "minimumValue": "250000.00",
            "name": "Balance",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "DOLLAR"
          }
        ]
      },
      {
        "additionalInfoUri": "https://www.anz.com.au/business/accounts/savings-accounts/online-saver/",
        "applicabilityConditions": [],
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "depositRateType": "VARIABLE",
        "rate": "0.0175",
        "tiers": [
          {
            "applicabilityConditions": [],
            "minimumValue": "500000.00",
            "name": "Balance",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "DOLLAR"
          }
        ]
      }
    ],
    "eligibility": [
      {
        "additionalInfo": "You must be 18 years of age or older to apply",
        "additionalValue": "18",
        "eligibilityType": "MIN_AGE"
      },
      {
        "additionalInfo": "An Australian business with valid ABN/ACN.",
        "eligibilityType": "BUSINESS"
      },
      {
        "additionalInfo": "You're an owner/director of the Business",
        "eligibilityType": "OTHER"
      },
      {
        "additionalInfo": "Must be linked to an ANZ Business Advantage, ANZ Business Extra or ANZ Business Premium Saver account",
        "eligibilityType": "OTHER"
      }
    ],
    "features": [
      {
        "additionalInfo": "Access using ANZ Internet Banking or ANZ App",
        "additionalInfoUri": "https://www.anz.com.au/business/products/online-banking/?CID=af:obank:bb",
        "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/business-transaction-accounts-tcs.pdf",
        "featureType": "NPP_ENABLED"
      },
      {
        "featureType": "FRAUD_PROTECTION"
      },
      {
        "additionalInfo": "Keep your costs down\nGet unlimited transactions to your linked ANZ account and pay no monthly account service fees\n Linked ANZ accounts include ANZ Business Advantage, ANZ Business Extra, ANZ Business Essentials and ANZ Business Classic.",
        "additionalInfoUri": "https://www.anz.com.au/business/accounts/savings-accounts/online-saver/",
        "featureType": "OTHER"
      },
      {
        "additionalInfo": "Access your accounts whenever you want\nAccess your business savings online at any time.  You can also view your balance using any ANZ ATM (Temporary service interruptions may occur. Technical requirements apply.)",
        "additionalInfoUri": "https://www.anz.com.au/business/accounts/savings-accounts/online-saver/",
        "featureType": "OTHER"
      }
    ],
    "fees": [
      {
        "additionalInfo": "Debited to your account for determining whether to process a debit to your account using the Informal Overdraft facility, where that debit is declined as a result of our credit criteria not being satisfied.",
        "additionalInfoUri": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/transaction-accounts-fees-charges.pdf",
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "feeType": "DISHONOUR",
        "fixedAmount": {
          "amount": "37.70"
        },
        "name": "Outward Dishonour Fee"
      },
      {
        "additionalInfo": "Debited to your account for processing a debit using the Informal Overdraft facility, where the outstanding balance of your Informal Overdraft facility is more than $50 after processing.",
        "additionalInfoUri": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/transaction-accounts-fees-charges.pdf",
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "feeType": "EVENT",
        "fixedAmount": {
          "amount": "37.70"
        },
        "name": "Honour 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": []
      }
    ]
  }
}