{
  "snapshot_at": "2026-10-22T13:24:02Z",
  "brand": "Arab Bank Australia Limited",
  "brand_slug": "arab-bank-australia-limited",
  "product_id": "CMA01",
  "cdr_url": "https://public.cdr.arabbank.com.au/cds-au/v1/banking/products/CMA01",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://public.cdr.arabbank.com.au/cds-au/v1/banking/products/CMA01'",
  "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": {
    "brand": "Arab Bank Australia",
    "description": "An account with great features and easy access to your money.",
    "isTailored": false,
    "lastUpdated": "2026-08-20T02:05:34.948249Z",
    "name": "Cash Management Account",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "productId": "CMA01",
    "additionalInformation": {
      "overviewUri": "https://www.arabbank.com.au/personal/transaction-investment-accounts/cash-management-account",
      "termsUri": null,
      "eligibilityUri": null,
      "feesAndPricingUri": null,
      "bundleUri": null,
      "additionalOverviewUris": null,
      "additionalTermsUris": null,
      "additionalEligibilityUris": null,
      "additionalFeesAndPricingUris": null,
      "additionalBundleUris": null
    },
    "applicationUri": "https://www.arabbank.com.au/personal/transaction-investment-accounts/cash-management-account",
    "brandName": "Arab Bank Australia Ltd Prod",
    "brandGroup": "Arab Bank Australia Ltd",
    "cardArt": [],
    "effectiveFrom": "2020-08-16T14:00:00Z",
    "effectiveTo": null,
    "bundles": [],
    "constraints": [
      {
        "constraintType": "OPENING_BALANCE",
        "additionalInfo": null,
        "additionalInfoUri": "https://www.arabbank.com.au/personal/transaction-investment-accounts/cash-management-account",
        "additionalValue": "1000.00"
      }
    ],
    "depositRates": [
      {
        "depositRateType": "VARIABLE",
        "rate": "0.004",
        "additionalInfo": null,
        "additionalInfoUri": "https://www.arabbank.com.au/personal/transaction-investment-accounts/cash-management-account",
        "additionalValue": null,
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "tiers": [
          {
            "name": "AMOUNT",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "250000.00",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "applicabilityConditions": []
          }
        ],
        "applicationType": "PERIODIC",
        "applicabilityConditions": []
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.001",
        "additionalInfo": null,
        "additionalInfoUri": "https://www.arabbank.com.au/personal/transaction-investment-accounts/cash-management-account",
        "additionalValue": null,
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "tiers": [
          {
            "name": "AMOUNT",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "10000.00",
            "maximumValue": "19999.00",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "applicabilityConditions": []
          }
        ],
        "applicationType": "PERIODIC",
        "applicabilityConditions": []
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0025",
        "additionalInfo": null,
        "additionalInfoUri": "https://www.arabbank.com.au/personal/transaction-investment-accounts/cash-management-account",
        "additionalValue": null,
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "tiers": [
          {
            "name": "AMOUNT",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "50000.00",
            "maximumValue": "99999.00",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "applicabilityConditions": []
          }
        ],
        "applicationType": "PERIODIC",
        "applicabilityConditions": []
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.001",
        "additionalInfo": null,
        "additionalInfoUri": "https://www.arabbank.com.au/personal/transaction-investment-accounts/cash-management-account",
        "additionalValue": null,
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "tiers": [
          {
            "name": "AMOUNT",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "0.00",
            "maximumValue": "4999.00",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "applicabilityConditions": []
          }
        ],
        "applicationType": "PERIODIC",
        "applicabilityConditions": []
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.001",
        "additionalInfo": null,
        "additionalInfoUri": "https://www.arabbank.com.au/personal/transaction-investment-accounts/cash-management-account",
        "additionalValue": null,
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "tiers": [
          {
            "name": "AMOUNT",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "5000.00",
            "maximumValue": "9999.00",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "applicabilityConditions": []
          }
        ],
        "applicationType": "PERIODIC",
        "applicabilityConditions": []
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0015",
        "additionalInfo": null,
        "additionalInfoUri": "https://www.arabbank.com.au/personal/transaction-investment-accounts/cash-management-account",
        "additionalValue": null,
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "tiers": [
          {
            "name": "AMOUNT",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "20000.00",
            "maximumValue": "49999.00",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "applicabilityConditions": []
          }
        ],
        "applicationType": "PERIODIC",
        "applicabilityConditions": []
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.003",
        "additionalInfo": null,
        "additionalInfoUri": "https://www.arabbank.com.au/personal/transaction-investment-accounts/cash-management-account",
        "additionalValue": null,
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "tiers": [
          {
            "name": "AMOUNT",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "100000.00",
            "maximumValue": "249999.00",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "applicabilityConditions": []
          }
        ],
        "applicationType": "PERIODIC",
        "applicabilityConditions": []
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "OTHER",
        "additionalInfo": " For private and domestic use, however, also available for business customers upon \nrequest subject to approval by Arab Bank Australia Limited (ABAL).\n Successful completion of applicable ABAL identification check requirements.\n Minimum opening deposit: A$1,000 (no minimum ongoing balance)",
        "additionalInfoUri": "https://www.arabbank.com.au/about/target-market-determinations",
        "additionalValue": null
      }
    ],
    "features": [
      {
        "featureType": "OVERDRAFT",
        "additionalInfo": "Overdraft facility available (subject to the Bank's standard credit requirements).",
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "featureType": "FREE_TXNS",
        "additionalInfo": "Includes a maximum of 5 Over the Counter transactions per month, and a combined maximum of 5 transactions per month from the following: EFTPOS, Direct Debit and BPAY.",
        "additionalInfoUri": null,
        "additionalValue": "5"
      },
      {
        "featureType": "CARD_ACCESS",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "Convenient access via ATM and EFTPOS."
      },
      {
        "featureType": "CARD_ACCESS",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "Access funds with a Visa Debit payWave Card."
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Access via our internet banking service abal.online.",
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Statements are supplied quarterly.",
        "additionalInfoUri": "https://www.arabbank.com.au/personal/transaction-investment-accounts/cash-management-account",
        "additionalValue": null
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Interest is calculated daily and is paid monthly and on entire balance.",
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "No minimum ongoing balance.",
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Minimum opening deposit $1,000",
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Funds are at call.",
        "additionalInfoUri": null,
        "additionalValue": null
      }
    ],
    "fees": [
      {
        "feeType": "TRANSACTION",
        "name": "Over the Counter Fee",
        "additionalInfo": "Up to 12 free transactions per month (maximum of 2 free Over the Counter transactions and 10 free EFTPOS transactions per month",
        "additionalInfoUri": "https://www.arabbank.com.au/about/target-market-determinations",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "2.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "PURCHASE",
        "name": "Eftpos Fee",
        "additionalInfo": "Includes a maximum of 5 Over the Counter transactions per month, and a combined maximum of 5 transactions per month from the following: EFTPOS, Direct Debit and BPAY.",
        "additionalInfoUri": "https://www.arabbank.com.au/about/target-market-determinations",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.60"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "TRANSACTION",
        "name": "Direct Debit Fee",
        "additionalInfo": null,
        "additionalInfoUri": "https://www.arabbank.com.au/about/target-market-determinations",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.25"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "TRANSACTION",
        "name": "BPAY",
        "additionalInfo": null,
        "additionalInfoUri": "https://www.arabbank.com.au/about/target-market-determinations",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.25"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Monthly Account Keeping Fee",
        "additionalInfo": "An account keeping fee of $5 per month applies if account balance falls below $10,000",
        "additionalInfoUri": "https://www.arabbank.com.au/about/target-market-determinations",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      }
    ],
    "lendingRates": [],
    "instalments": null
  }
}