{
  "snapshot_at": "2026-10-22T13:24:02Z",
  "brand": "Arab Bank Australia Limited",
  "brand_slug": "arab-bank-australia-limited",
  "product_id": "POSA01",
  "cdr_url": "https://public.cdr.arabbank.com.au/cds-au/v1/banking/products/POSA01",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://public.cdr.arabbank.com.au/cds-au/v1/banking/products/POSA01'",
  "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 online savings account that provides a high rate of return and has the convenience of a regular transaction account online at your fingertips at any time.",
    "isTailored": false,
    "lastUpdated": "2026-08-20T02:10:02.583099Z",
    "name": "Personal Online Savings Account",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "productId": "POSA01",
    "additionalInformation": {
      "overviewUri": "https://www.arabbank.com.au/personal/transaction-investment-accounts/personal-online-savings-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/personal-online-savings-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/personal-online-savings-account",
        "additionalValue": "1.00"
      }
    ],
    "depositRates": [
      {
        "depositRateType": "VARIABLE",
        "rate": "0.03",
        "additionalInfo": null,
        "additionalInfoUri": "https://www.arabbank.com.au/personal/transaction-investment-accounts/personal-online-savings-account",
        "additionalValue": null,
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "tiers": [
          {
            "name": "AMOUNT",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "0.00",
            "maximumValue": "1999.00",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "applicabilityConditions": []
          }
        ],
        "applicationType": "PERIODIC",
        "applicabilityConditions": []
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.03",
        "additionalInfo": null,
        "additionalInfoUri": "https://www.arabbank.com.au/personal/transaction-investment-accounts/personal-online-savings-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": "0.0495",
        "additionalInfo": null,
        "additionalInfoUri": "https://www.arabbank.com.au/personal/transaction-investment-accounts/personal-online-savings-account",
        "additionalValue": null,
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "tiers": [
          {
            "name": "AMOUNT",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "1000000.00",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "applicabilityConditions": []
          }
        ],
        "applicationType": "PERIODIC",
        "applicabilityConditions": []
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0485",
        "additionalInfo": null,
        "additionalInfoUri": "https://www.arabbank.com.au/personal/transaction-investment-accounts/personal-online-savings-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": []
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0495",
        "additionalInfo": null,
        "additionalInfoUri": "https://www.arabbank.com.au/personal/transaction-investment-accounts/personal-online-savings-account",
        "additionalValue": null,
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "tiers": [
          {
            "name": "AMOUNT",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "500000.00",
            "maximumValue": "999999.00",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "applicabilityConditions": []
          }
        ],
        "applicationType": "PERIODIC",
        "applicabilityConditions": []
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0485",
        "additionalInfo": null,
        "additionalInfoUri": "https://www.arabbank.com.au/personal/transaction-investment-accounts/personal-online-savings-account",
        "additionalValue": null,
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "tiers": [
          {
            "name": "AMOUNT",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "250000.00",
            "maximumValue": "499999.00",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "applicabilityConditions": []
          }
        ],
        "applicationType": "PERIODIC",
        "applicabilityConditions": []
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.03",
        "additionalInfo": null,
        "additionalInfoUri": "https://www.arabbank.com.au/personal/transaction-investment-accounts/personal-online-savings-account",
        "additionalValue": null,
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "tiers": [
          {
            "name": "AMOUNT",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "2000.00",
            "maximumValue": "2999.00",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "applicabilityConditions": []
          }
        ],
        "applicationType": "PERIODIC",
        "applicabilityConditions": []
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.03",
        "additionalInfo": null,
        "additionalInfoUri": "https://www.arabbank.com.au/personal/transaction-investment-accounts/personal-online-savings-account",
        "additionalValue": null,
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "tiers": [
          {
            "name": "AMOUNT",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "3000.00",
            "maximumValue": "4999.00",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "applicabilityConditions": []
          }
        ],
        "applicationType": "PERIODIC",
        "applicabilityConditions": []
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.03",
        "additionalInfo": null,
        "additionalInfoUri": "https://www.arabbank.com.au/personal/transaction-investment-accounts/personal-online-savings-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": "0.0485",
        "additionalInfo": null,
        "additionalInfoUri": "https://www.arabbank.com.au/personal/transaction-investment-accounts/personal-online-savings-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": "0.03",
        "additionalInfo": null,
        "additionalInfoUri": "https://www.arabbank.com.au/personal/transaction-investment-accounts/personal-online-savings-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": []
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "OTHER",
        "additionalInfo": " Minimum opening deposit A$1\n Individuals who are 18 years of age or over\n Must be Australian residents for tax purposes\n Successful completion of applicable Arab Bank Australia Limited (ABAL) identification \ncheck requirements.\n",
        "additionalInfoUri": "https://www.arabbank.com.au/about/target-market-determinations",
        "additionalValue": null
      }
    ],
    "features": [
      {
        "featureType": "OTHER",
        "additionalInfo": "No monthly account keeping or online transactional fees",
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "High rate of interest paid on balances as low as $1",
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "featureType": "CARD_ACCESS",
        "additionalInfo": "Visa Debit payWave Card available with this account.  ",
        "additionalInfoUri": null,
        "additionalValue": "   VDC"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Receive regular statements.",
        "additionalInfoUri": "https://www.arabbank.com.au/personal/transaction-investment-accounts/personal-online-savings-account",
        "additionalValue": null
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Interest calculated daily, and paid monthly.",
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "24/7 access to your money via our internet banking service abal.online, mobile app abal.mobile, ATMs and EFTPOS across Australia",
        "additionalInfoUri": null,
        "additionalValue": null
      }
    ],
    "fees": [
      {
        "feeType": "TRANSACTION",
        "name": "Over the Counter Fee",
        "additionalInfo": "The first transaction where an Over the Counter Fee is applicable will not incur a fee. Transactions thereafter will be charged at the rate above. ",
        "additionalInfoUri": "https://www.arabbank.com.au/about/pds-fees",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "2.50"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      }
    ],
    "lendingRates": [],
    "instalments": null
  }
}