{
  "snapshot_at": "2026-10-22T13:24:11Z",
  "brand": "Bank of China",
  "brand_slug": "bank-of-china",
  "product_id": "55940656",
  "cdr_url": "https://api-gateway.bankofchina.com.au/cds-au/v1/banking/products/55940656",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://api-gateway.bankofchina.com.au/cds-au/v1/banking/products/55940656'",
  "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": {
    "productId": "55940656",
    "effectiveFrom": "2021-07-02T02:00:00.000+10:00",
    "effectiveTo": "9999-12-31T06:00:00.000+11:00",
    "lastUpdated": "2026-10-01T04:00:00.000+10:00",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "name": "Online Saver Statement",
    "description": "Online Saver Statement",
    "brand": "BCA",
    "brandName": "Bank of China",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.bankofchina.com/au/en/pbservice/pb1/201712/t20171214_10912637.html",
      "termsUri": "https://www.bankofchina.com/au/en/bocinfo/bi3/201906/t20190627_15531087.html",
      "eligibilityUri": "https://www.bankofchina.com/au/en/pbservice/pb1/201906/t20190627_15530997.html",
      "feesAndPricingUri": "https://www.bankofchina.com/au/en/bocinfo/bi2/201706/t20170629_10963936.html"
    },
    "bundles": [],
    "features": [
      {
        "featureType": "DIGITAL_BANKING"
      }
    ],
    "constraints": [
      {
        "constraintType": "OPENING_BALANCE",
        "additionalValue": "1"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "16",
        "additionalInfo": "accepted visa required"
      }
    ],
    "fees": [
      {
        "name": "Over the counter withdrawals at branches",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "currency": "AUD",
        "additionalValue": "once-off"
      }
    ],
    "depositRates": [
      {
        "depositRateType": "FIXED",
        "rate": "0.0005",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "Online Saver Statement, base rate for balance < $3,000 or =$5,000,000."
      },
      {
        "depositRateType": "FIXED",
        "rate": "0.0235",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "Online Saver Statement, base rate for balance between $3,000 and $4,999,999.99."
      },
      {
        "depositRateType": "BONUS",
        "rate": "0.0325",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "Online Saver Statement, new account bonus rate 3.25% for first 4 months for balance $3,000 to $499,999.99, only new customer can enjoy this bonus rate."
      }
    ],
    "lendingRates": []
  }
}