{
  "snapshot_at": "2026-11-13T01:40:46Z",
  "brand": "ANZ",
  "brand_slug": "anz",
  "product_id": "ef5d9d5e-f822-4e9f-8b95-f0683115539f",
  "cdr_url": "https://api.anz/cds-au/v1/banking/products/ef5d9d5e-f822-4e9f-8b95-f0683115539f",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://api.anz/cds-au/v1/banking/products/ef5d9d5e-f822-4e9f-8b95-f0683115539f'",
  "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/smsf-cash-hub-account/#apply",
      "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/smsf-cash-hub-account/",
      "termsUri": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/saving-transaction-products-tcs.pdf"
    },
    "applicationUri": "https://www.anz.com.au/personal/bank-accounts/savings-accounts/smsf-cash-hub-account/#apply",
    "brand": "ANZ",
    "cardArt": [],
    "description": "Self managed super is easier than ever, with all you need to use, move and manage your SMSF cash in one place.",
    "isTailored": false,
    "lastUpdated": "2026-11-12T13:05:00.000Z",
    "name": "ANZ SMSF Cash Hub Account",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "productId": "ef5d9d5e-f822-4e9f-8b95-f0683115539f",
    "bundles": [],
    "constraints": [],
    "depositRates": [
      {
        "applicabilityConditions": [],
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "depositRateType": "VARIABLE",
        "rate": "0.015",
        "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": "0.028",
        "tiers": [
          {
            "applicabilityConditions": [
              {
                "additionalInfo": "Balance $10,000 or more",
                "rateApplicabilityType": "OTHER"
              }
            ],
            "minimumValue": "10000.00",
            "name": "Balance",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "DOLLAR"
          }
        ]
      }
    ],
    "eligibility": [
      {
        "additionalInfo": "The account is only available to SMSF Trustees to receive and manage money for a SMSF.",
        "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"
      },
      {
        "featureType": "FRAUD_PROTECTION"
      },
      {
        "additionalInfo": "One central hub\nA secure cash account, designed specifically for SMSF Trustees, to seamlessly use, move and manage cash for your self managed super.",
        "additionalInfoUri": "https://www.anz.com.au/personal/bank-accounts/savings-accounts/smsf-cash-hub-account/",
        "featureType": "OTHER"
      },
      {
        "additionalInfo": "Simple and flexible\nEasy to manage a variety of SMSF cash flows such as superannuation contributions, rollovers, investments, ATO payments and more.",
        "additionalInfoUri": "https://www.anz.com.au/personal/bank-accounts/savings-accounts/smsf-cash-hub-account/",
        "featureType": "OTHER"
      },
      {
        "additionalInfo": "Simple and flexible\nEasy to manage a variety of SMSF cash flows such as superannuation contributions, rollovers, investments, ATO payments and more.",
        "additionalInfoUri": "https://www.anz.com.au/personal/bank-accounts/savings-accounts/smsf-cash-hub-account/#apply",
        "featureType": "OTHER"
      },
      {
        "additionalInfoUri": "https://www.anz.com.au/personal/ways-to-bank/more/pay-to/",
        "additionalValue": "PayTo",
        "featureType": "BILL_PAYMENT"
      },
      {
        "additionalInfoUri": "https://www.anz.com.au/support/online-banking/payments/bpay/",
        "additionalValue": "BPAY",
        "featureType": "BILL_PAYMENT"
      },
      {
        "additionalInfo": "Unlimited ANZ transactions available using ANZ Internet Banking, ANZ Phone Banking, ANZ ATMs, ANZ Access Visa Debit Card and EFTPOS. Also includes any deposit, withdrawal or transfer at ANZ branches, cheques drawn by you and any cheque or manual merchant slip deposited to your account.",
        "additionalInfoUri": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/personal-account-fees-charges.pdf",
        "featureType": "UNLIMITED_TXNS"
      }
    ],
    "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"
      },
      {
        "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"
      },
      {
        "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"
      }
    ],
    "lendingRates": []
  }
}