{
  "snapshot_at": "2026-11-13T01:40:46Z",
  "brand": "ANZ",
  "brand_slug": "anz",
  "product_id": "e9a3b4fe-240c-388e-2282-42db8f570e63",
  "cdr_url": "https://api.anz/cds-au/v1/banking/products/e9a3b4fe-240c-388e-2282-42db8f570e63",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://api.anz/cds-au/v1/banking/products/e9a3b4fe-240c-388e-2282-42db8f570e63'",
  "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/progress-saver/",
      "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/progress-saver/",
      "termsUri": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/saving-transaction-products-tcs.pdf"
    },
    "applicationUri": "https://applyapp.anz.com/?producttype=ps&sourcecode_1=PO01&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": "Savings account with bonus interest if you meet the eligibility criteria.",
    "isTailored": false,
    "lastUpdated": "2026-11-12T13:03:00.000Z",
    "name": "ANZ Progress Saver",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "productId": "e9a3b4fe-240c-388e-2282-42db8f570e63",
    "bundles": [],
    "constraints": [],
    "depositRates": [
      {
        "applicabilityConditions": [],
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "depositRateType": "VARIABLE",
        "rate": "0.0001",
        "tiers": []
      },
      {
        "additionalInfo": "Bonus interest is subject to eligibility. ANZ Progress Saver pays bonus interest (in addition to the current variable base interest) in respect of a particular month if the set minimum deposit (currently $10) and no withdrawals, fees or charges are processed to the account on or before the last business day of that calendar month, and after the last business day of the previous calendar month. Bonus and base rates are variable and subject to change.",
        "additionalValue": "When you make a single deposit of $10 or more in a month and no withdrawals",
        "applicabilityConditions": [
          {
            "additionalValue": "10.00",
            "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT"
          },
          {
            "additionalValue": "0",
            "rateApplicabilityType": "MAX_WITHDRAWALS"
          }
        ],
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "depositRateType": "BONUS",
        "rate": "0.0424",
        "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"
      }
    ],
    "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/ways-to-bank/more/bpay/",
        "additionalValue": "BPAY",
        "featureType": "BILL_PAYMENT"
      },
      {
        "additionalInfo": "Unlimited ANZ Internet banking transactions plus one ANZ transaction per month",
        "additionalInfoUri": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/personal-account-fees-charges.pdf?CID=af:obank:sv",
        "additionalValue": "1",
        "featureType": "FREE_TXNS"
      },
      {
        "featureType": "FRAUD_PROTECTION"
      },
      {
        "additionalInfo": "You can qualify for bonus interest when you make at least a single deposit of $10 or more in a month and if no withdrawals, transfers, fees or charges are processed to the account in that month. Bonus interest is subject to eligibility. Refer to ANZ Saving & Transaction Products T&Cs for further details including what’s included in your balance, how interest is calculated and how we work out if you earn and qualify for bonus interest. Interest rates are variable and subject to change.",
        "additionalInfoUri": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/personal-account-fees-charges.pdf",
        "featureType": "OTHER"
      },
      {
        "additionalInfo": "Unlimited internet banking transactions",
        "additionalInfoUri": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/personal-account-fees-charges.pdf",
        "featureType": "OTHER"
      },
      {
        "additionalInfo": "Set and track your savings goal\nWhether you're saving for something big or small, you can set a goal in the ANZ APP to help you save, and see how you're tracking. Set a savings goal today.",
        "additionalInfoUri": "https://www.anz.com.au/ways-to-bank/mobile-banking-apps/goals/",
        "featureType": "OTHER"
      },
      {
        "additionalValue": "ANZ Visa Debit card",
        "featureType": "CARD_ACCESS"
      },
      {
        "additionalInfoUri": "https://www.anz.com.au/personal/ways-to-bank/more/pay-to/",
        "additionalValue": "PayTo",
        "featureType": "BILL_PAYMENT"
      }
    ],
    "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": "1.00"
        },
        "name": "Electronic Transaction"
      },
      {
        "additionalInfo": "Applicable for a withdrawal from a non-ANZ ATM outside Australia (per withdrawal), and debited to your account at the same\ntime 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",
        "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": []
      }
    ]
  }
}