{
  "snapshot_at": "2026-10-27T23:29:32Z",
  "brand": "Bank First",
  "brand_slug": "bank-first",
  "product_id": "f1d7c8a4-9e63-4b2f-8a71-c5e904d2b6ef",
  "cdr_url": "https://public.cdr.bankfirst.com.au/cds-au/v1/banking/products/f1d7c8a4-9e63-4b2f-8a71-c5e904d2b6ef",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://public.cdr.bankfirst.com.au/cds-au/v1/banking/products/f1d7c8a4-9e63-4b2f-8a71-c5e904d2b6ef'",
  "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": "Bank First",
    "description": "Savings account (15-35years inclusive)",
    "isTailored": false,
    "lastUpdated": "2026-10-16T04:29:50.382696Z",
    "name": "Strong Start Saver",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "productId": "f1d7c8a4-9e63-4b2f-8a71-c5e904d2b6ef",
    "additionalInformation": {
      "overviewUri": "https://www.bankfirst.com.au/banking/savings-accounts/strong-start-saver",
      "termsUri": "https://www.bankfirst.com.au/disclosure-documents",
      "eligibilityUri": "https://cdn.intelligencebank.com/au/share/e3Gq6M/k77y1/0EZVG/original/tc_part_a",
      "feesAndPricingUri": "https://cdn.intelligencebank.com/au/share/e3Gq6M/k77y1/KKkEV/original/tc_part_b",
      "bundleUri": null,
      "additionalOverviewUris": [],
      "additionalTermsUris": [],
      "additionalEligibilityUris": [],
      "additionalFeesAndPricingUris": [],
      "additionalBundleUris": []
    },
    "applicationUri": "https://form.bankfirst.com.au/account-application",
    "brandName": "Bank First Production",
    "brandGroup": null,
    "cardArt": [],
    "effectiveFrom": "2026-09-01T06:15:00Z",
    "effectiveTo": null,
    "bundles": [],
    "constraints": [],
    "depositRates": [
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0565",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null,
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "tiers": [
          {
            "name": "Savers Account Tier 1",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "0.01",
            "maximumValue": "49999.99",
            "rateApplicationMethod": "PER_TIER",
            "applicabilityConditions": []
          },
          {
            "name": "Savers Account Tier 2",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "50000.00",
            "maximumValue": "149999.99",
            "rateApplicationMethod": "PER_TIER",
            "applicabilityConditions": []
          },
          {
            "name": "Savers Account Tier 3",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "150000.00",
            "maximumValue": "249999.99",
            "rateApplicationMethod": "PER_TIER",
            "applicabilityConditions": []
          }
        ],
        "applicationType": "PERIODIC",
        "applicabilityConditions": []
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.045",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null,
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "tiers": [
          {
            "name": "Savings Tier 4",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "250000.00",
            "maximumValue": "999999.99",
            "rateApplicationMethod": "PER_TIER",
            "applicabilityConditions": []
          },
          {
            "name": "Savings Tier 5",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "1000000.00",
            "rateApplicationMethod": "PER_TIER",
            "applicabilityConditions": []
          }
        ],
        "applicationType": "PERIODIC",
        "applicabilityConditions": []
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "MIN_AGE",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "15"
      },
      {
        "eligibilityType": "MAX_AGE",
        "additionalInfo": "Inclusive",
        "additionalInfoUri": null,
        "additionalValue": "35"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Available to members only",
        "additionalInfoUri": null,
        "additionalValue": null
      }
    ],
    "features": [
      {
        "featureType": "OTHER",
        "additionalInfo": "Phone Banking is available",
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Other service related charges apply based on your circumstances",
        "additionalInfoUri": "https://www.bankfirst.com.au/-/media/bankfirst/pdfs/termsandconditions/tc_part_b.pdf?la=en&hash=172D55D317D95FDB13F24CDFDE6D3B6B2E7C7F37",
        "additionalValue": null
      },
      {
        "featureType": "BILL_PAYMENT",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "featureType": "BILL_PAYMENT",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "Bpay"
      },
      {
        "featureType": "NPP_PAYID",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null
      }
    ],
    "fees": [
      {
        "feeType": "UPFRONT",
        "name": "Non- Individual Membership Establishment Fee",
        "additionalInfo": "Applies when a Non-Individual membership is established",
        "additionalInfoUri": "https://www.bankfirst.com.au/-/media/bankfirst/pdfs/termsandconditions/tc_part_b.pdf?la=en&hash=172D55D317D95FDB13F24CDFDE6D3B6B2E7C7F37",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "50.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "PERIODIC",
        "name": "Inactive Membership Fee",
        "additionalInfo": null,
        "additionalInfoUri": "https://www.bankfirst.com.au/-/media/bankfirst/pdfs/termsandconditions/tc_part_b.pdf?la=en&hash=172D55D317D95FDB13F24CDFDE6D3B6B2E7C7F37",
        "additionalValue": "P1Y",
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "30.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "PERIODIC",
        "name": "Account Keeping Fees",
        "additionalInfo": null,
        "additionalInfoUri": "https://www.bankfirst.com.au/-/media/bankfirst/pdfs/termsandconditions/tc_part_b.pdf?la=en&hash=172D55D317D95FDB13F24CDFDE6D3B6B2E7C7F37",
        "additionalValue": "P1M",
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Direct Debit Stop Request",
        "additionalInfo": null,
        "additionalInfoUri": "https://www.bankfirst.com.au/-/media/bankfirst/pdfs/termsandconditions/tc_part_b.pdf?la=en&hash=172D55D317D95FDB13F24CDFDE6D3B6B2E7C7F37",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "9.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Direct Entry Return Fee",
        "additionalInfo": null,
        "additionalInfoUri": "https://www.bankfirst.com.au/-/media/bankfirst/pdfs/termsandconditions/tc_part_b.pdf?la=en&hash=172D55D317D95FDB13F24CDFDE6D3B6B2E7C7F37",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "2.50"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "DISHONOUR",
        "name": "Direct Debit Dishonour Fee",
        "additionalInfo": null,
        "additionalInfoUri": "https://www.bankfirst.com.au/-/media/bankfirst/pdfs/termsandconditions/tc_part_b.pdf?la=en&hash=172D55D317D95FDB13F24CDFDE6D3B6B2E7C7F37",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "15.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "ENQUIRY",
        "name": "Statement Request",
        "additionalInfo": null,
        "additionalInfoUri": "https://www.bankfirst.com.au/-/media/bankfirst/pdfs/termsandconditions/tc_part_b.pdf?la=en&hash=172D55D317D95FDB13F24CDFDE6D3B6B2E7C7F37",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Coin Handling Fee",
        "additionalInfo": "Handling of a coin deposit or withdrawal - $5 per every $100.",
        "additionalInfoUri": "https://www.bankfirst.com.au/-/media/bankfirst/pdfs/termsandconditions/tc_part_b.pdf?la=en&hash=172D55D317D95FDB13F24CDFDE6D3B6B2E7C7F37",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Overdrawn Account Fee",
        "additionalInfo": "Applies when your Transaction / Savings Account is overdrawn or the balance exceeds the limit of any Overdraft attached to the account at close of business and charged again at seven day increments if the balance remains overdrawn / limit exceeded.",
        "additionalInfoUri": "https://www.bankfirst.com.au/-/media/bankfirst/pdfs/termsandconditions/tc_part_b.pdf?la=en&hash=172D55D317D95FDB13F24CDFDE6D3B6B2E7C7F37",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "15.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      }
    ],
    "lendingRates": [],
    "instalments": null
  }
}