{
  "snapshot_at": "2026-10-22T13:24:02Z",
  "brand": "ANZ",
  "brand_slug": "anz",
  "product_id": "f9ec7ae4-f606-0e91-9403-d6ce664eb765",
  "cdr_url": "https://api.anz/cds-au/v1/banking/products/f9ec7ae4-f606-0e91-9403-d6ce664eb765",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://api.anz/cds-au/v1/banking/products/f9ec7ae4-f606-0e91-9403-d6ce664eb765'",
  "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/everyday-accounts/pensioner-advantage/",
      "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/everyday-accounts/pensioner-advantage/",
      "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/everyday-accounts/pensioner-advantage/#apply",
    "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": "Offers affordable and convenient banking for recipients of eligible Centrelink or Veterans' Affairs pension or allowance.",
    "isTailored": false,
    "lastUpdated": "2026-10-08T13:02:00.000Z",
    "name": "ANZ Pensioner Advantage Account",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "productId": "f9ec7ae4-f606-0e91-9403-d6ce664eb765",
    "bundles": [],
    "constraints": [],
    "depositRates": [
      {
        "applicabilityConditions": [],
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "depositRateType": "VARIABLE",
        "rate": "0.0005",
        "tiers": [
          {
            "applicabilityConditions": [
              {
                "additionalInfo": "Balance less than $10,000",
                "rateApplicabilityType": "OTHER"
              }
            ],
            "maximumValue": "9999.00",
            "minimumValue": "0.00",
            "name": "Balance",
            "rateApplicationMethod": "PER_TIER",
            "unitOfMeasure": "DOLLAR"
          }
        ]
      },
      {
        "applicabilityConditions": [],
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "depositRateType": "VARIABLE",
        "rate": "0.0205",
        "tiers": [
          {
            "applicabilityConditions": [
              {
                "additionalInfo": "Balance of $10,000 to less than $50,000",
                "rateApplicabilityType": "OTHER"
              }
            ],
            "maximumValue": "49999.00",
            "minimumValue": "10000.00",
            "name": "Balance",
            "rateApplicationMethod": "PER_TIER",
            "unitOfMeasure": "DOLLAR"
          }
        ]
      },
      {
        "applicabilityConditions": [],
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "depositRateType": "VARIABLE",
        "rate": "0.0275",
        "tiers": [
          {
            "applicabilityConditions": [
              {
                "additionalInfo": "Balance of $10,000 to less than $50,000",
                "rateApplicabilityType": "OTHER"
              }
            ],
            "minimumValue": "50000.00",
            "name": "Balance",
            "rateApplicationMethod": "PER_TIER",
            "unitOfMeasure": "DOLLAR"
          }
        ]
      }
    ],
    "eligibility": [
      {
        "additionalInfo": "Receive an eligible Centrelink pension or allowance or a Veterans' Affairs pension or allowance that is paid into the account",
        "additionalInfoUri": "https://www.anz.com.au/personal/bank-accounts/everyday-accounts/pensioner-advantage/",
        "additionalValue": "You must be an Australian resident with an Australian residential and mailing address.",
        "eligibilityType": "PENSION_RECIPIENT"
      },
      {
        "additionalValue": "You must be an Australian resident with an Australian residential and mailing address.",
        "eligibilityType": "RESIDENCY_STATUS"
      },
      {
        "additionalInfo": "The customer must be a natural person rather than another legal entity.",
        "eligibilityType": "NATURAL_PERSON"
      }
    ],
    "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": "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"
      },
      {
        "featureType": "FRAUD_PROTECTION"
      },
      {
        "additionalInfo": "Use it anywhere Visa is accepted. Equipped with accessibility features for vision-impaired customers.",
        "additionalInfoUri": "https://www.anz.com.au/personal/bank-accounts/everyday-accounts/pensioner-advantage/",
        "additionalValue": "ANZ Visa Debit card",
        "featureType": "CARD_ACCESS"
      },
      {
        "additionalInfo": "Tap & Pay\nSet up mobile payment on your compatible devices with eligible ANZ cards so you can tap and pay",
        "additionalInfoUri": "https://www.anz.com.au/personal/bank-accounts/everyday-accounts/pensioner-advantage/",
        "featureType": "OTHER"
      },
      {
        "additionalInfoUri": "https://www.anz.com.au/personal/ways-to-bank/more/pay-to/",
        "additionalValue": "PayTo",
        "featureType": "BILL_PAYMENT"
      }
    ],
    "fees": [
      {
        "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": "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": "28.00"
        },
        "name": "Telegraphic transfer within Australia from your ANZ account to another account"
      },
      {
        "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": "32.50"
        },
        "name": "Replacement for lost or stolen bank cheque"
      }
    ],
    "lendingRates": []
  }
}