{
  "snapshot_at": "2026-10-22T13:24:14Z",
  "brand": "Bank of Queensland Limited",
  "brand_slug": "bank-of-queensland-limited",
  "product_id": "b5176288-5c03-ee11-8f6e-00224814dce7",
  "cdr_url": "https://api.cds.boq.com.au/cds-au/v1/banking/products/b5176288-5c03-ee11-8f6e-00224814dce7",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://api.cds.boq.com.au/cds-au/v1/banking/products/b5176288-5c03-ee11-8f6e-00224814dce7'",
  "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": "b5176288-5c03-ee11-8f6e-00224814dce7",
    "lastUpdated": "2026-03-13T05:53:28Z",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "name": "Kids Savings Account",
    "description": "It's never too early to teach kids to save! Encourage the right saving behaviour for children under 14 with a children's savings account held in their name. Make one withdrawal a month and still earn Bonus Interest variable rate. Start earning high interest from the first dollar. Deposit only access for the linked child. Manage the account on your internet banking.",
    "brand": "BOQ",
    "brandName": "Bank of Queensland",
    "applicationUri": "https://www.boq.com.au/personal/banking/savings-and-term-deposits/kids-savings-account",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.boq.com.au/personal/banking/savings-and-term-deposits/kids-savings-account",
      "termsUri": "https://www.boq.com.au/content/dam/boq/files/terms-and-conditions/personal/deposit-products-terms-and-conditions.pdf",
      "eligibilityUri": "https://www.boq.com.au/personal/banking/savings-and-term-deposits/kids-savings-account",
      "feesAndPricingUri": "https://www.boq.com.au/content/dam/boq/files/terms-and-conditions/personal/personal-banking-guide-to-fees-and-charges.pdf"
    },
    "features": [
      {
        "featureType": "OTHER",
        "additionalInfo": "Kids receive statements in their name, so they can watch their savings grow",
        "additionalInfoUri": "https://www.boq.com.au/personal/banking/savings-and-term-deposits/kids-savings-account"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Linked parents or guardians have full access to the account",
        "additionalInfoUri": "https://www.boq.com.au/personal/banking/savings-and-term-deposits/kids-savings-account"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Your child can make branch deposits, but all other account access by your child is restricted",
        "additionalInfoUri": "https://www.boq.com.au/personal/banking/savings-and-term-deposits/kids-savings-account"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Kids receive their own deposit book and wallet to track their savings",
        "additionalInfoUri": "https://www.boq.com.au/personal/banking/savings-and-term-deposits/kids-savings-account"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Receive a high rate of interest on your kid's savings account",
        "additionalInfoUri": "https://www.boq.com.au/personal/banking/savings-and-term-deposits/kids-savings-account"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "MAX_AGE",
        "additionalValue": "14",
        "additionalInfo": "To apply for a Kids Account (under 14 years of age) the parent/guardian and the account holder (minor) must both be identified",
        "additionalInfoUri": "https://www.boq.com.au/personal/banking/savings-and-term-deposits/kids-savings-account"
      }
    ],
    "depositRates": [
      {
        "rate": "0.0005000000000000",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalInfo": "Variable Base Rate",
        "additionalInfoUri": "https://www.boq.com.au/personal/banking/savings-and-term-deposits/kids-savings-account",
        "depositRateType": "VARIABLE"
      },
      {
        "rate": "0.0125000000000000",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "Total interest rate will be 1.25% p.a. (1.20% p.a. Bonus Interest + 0.05% p.a. Variable base rate) if no more than one (1) withdrawal is made during a calendar month. Calculated daily and paid monthly.",
        "additionalInfo": "Calculated daily and paid monthly.",
        "additionalInfoUri": "https://www.boq.com.au/personal/banking/savings-and-term-deposits/kids-savings-account",
        "tiers": [
          {
            "additionalInfoUri": "https://www.boq.com.au/personal/banking/savings-and-term-deposits/kids-savings-account",
            "name": "$5000 to less than $49999",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "5000.00",
            "maximumValue": "49999.00",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "applicabilityConditions": [
              {
                "rateApplicabilityType": "MAX_WITHDRAWALS",
                "additionalValue": "1"
              }
            ]
          }
        ],
        "depositRateType": "BONUS"
      },
      {
        "rate": "0.0125000000000000",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "Total interest rate will be 1.25% p.a. (1.20% p.a. Bonus Interest + 0.05% p.a. Variable base rate) if no more than one (1) withdrawal is made during a calendar month. Calculated daily and paid monthly.",
        "additionalInfo": "Calculated daily and paid monthly.",
        "additionalInfoUri": "https://www.boq.com.au/personal/banking/savings-and-term-deposits/kids-savings-account",
        "tiers": [
          {
            "additionalInfoUri": "https://www.boq.com.au/personal/banking/savings-and-term-deposits/kids-savings-account",
            "name": "$50,000 and over",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "50000.00",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "applicabilityConditions": [
              {
                "rateApplicabilityType": "MAX_WITHDRAWALS",
                "additionalValue": "1"
              }
            ]
          }
        ],
        "depositRateType": "BONUS"
      },
      {
        "rate": "0.0125000000000000",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "Total interest rate will be 1.25% p.a. (1.20% p.a. Bonus Interest + 0.05% p.a. Variable base rate) if no more than one (1) withdrawal is made during a calendar month. Calculated daily and paid monthly.",
        "additionalInfo": "Calculated daily and paid monthly.",
        "additionalInfoUri": "https://www.boq.com.au/personal/banking/savings-and-term-deposits/kids-savings-account",
        "tiers": [
          {
            "additionalInfoUri": "https://www.boq.com.au/personal/banking/savings-and-term-deposits/kids-savings-account",
            "name": "$1 to less than $4999",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "1.00",
            "maximumValue": "4999.00",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "applicabilityConditions": [
              {
                "rateApplicabilityType": "MAX_WITHDRAWALS",
                "additionalValue": "1"
              }
            ]
          }
        ],
        "depositRateType": "BONUS"
      }
    ]
  }
}