{
  "snapshot_at": "2026-11-13T01:41:03Z",
  "brand": "BankSA",
  "brand_slug": "banksa",
  "product_id": "BSASavIncentiveSaver",
  "cdr_url": "https://digital-api.banksa.com.au/cds-au/v1/banking/products/BSASavIncentiveSaver",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://digital-api.banksa.com.au/cds-au/v1/banking/products/BSASavIncentiveSaver'",
  "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": "BSASavIncentiveSaver",
    "lastUpdated": "2026-11-13T01:03:04Z",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "name": "Incentive Saver",
    "description": "An account that rewards you with bonus interest for regular saving to help you save faster.",
    "brand": "BankSA",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.banksa.com.au/personal/bank-accounts/savings-accounts/incentive-saver",
      "termsUri": "https://www.banksa.com.au/content/dam/bsa/downloads/personal/bank-accounts/SavInvesTransAccounts_Terms.pdf",
      "eligibilityUri": "https://www.banksa.com.au/personal/bank-accounts/savings-accounts/incentive-saver",
      "feesAndPricingUri": "https://www.banksa.com.au/content/dam/bsa/downloads/personal/bank-accounts/SavInvesTransAccounts_Terms.pdf"
    },
    "features": [
      {
        "featureType": "CASHBACK_OFFER",
        "additionalValue": "50.00",
        "additionalInfo": "$50 cashback on your new account. Open a new Complete Freedom account with an eligible savings account by 31st March 2027. Spend $50 or more within 15 days, and we'll drop $50 straight into your savings. T&Cs apply. For new single account holders who've not held a BankSA Complete Freedom account or savings account in the past 2 years."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "The BeMoved Promotion Terms and Conditions. You could get a minimum 10% electricity saving with One Click Switch. Compare and switch your electricity plan through One Click Switch between 18 June 2026 and 31 May 2028. Savings are calculated using your existing electricity usage from the past 12 months via Consumer Data Right (CDR). If your saving is less than 10%, the difference will be paid as a digital gift card, up to $500. Customers 18 years or older. T&Cs apply. Must already hold a BankSA debit card or credit card to be eligible."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Automatic transfers: Help yourself get the total reward rate by setting up a monthly deposit in online banking."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Uncapped saving: Interest is calculated on the total balance of your Incentive Saver with no limit on deposit amounts."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Government guarantee: The Financial Claims Scheme guarantees deposits to a cap of $250,000 per account-holder."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Quick Balance: Know exactly how much money you have on hand, at a glance at your smartphone or watch."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "No limit on the number of accounts that customer can hold, unless the account holder is under the age of 18, in which case a limit of one account applies"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Account can be opened via Online and mobile (minimum age may apply), in branch and phone."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "No minimum opening balance for this account"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Statements: 6 monthly, or more frequently on request."
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Online, Mobile and telephone banking is available and alerts will be received"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "You will earn tiered interest with this product. Interest is paid monthly."
      },
      {
        "featureType": "FRAUD_PROTECTION",
        "additionalInfo": "The product includes FRAUD_PROTECTION features."
      },
      {
        "featureType": "RELATIONSHIP_MANAGEMENT",
        "additionalInfo": "RELATIONSHIP_MANAGEMENT is available for eligible customers."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "You can pay bills using BPAY"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "An account may be opened in a child's name when the child is under 14, with a parent, guardian, or grandparent as authorised signatory."
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "Those with an Australian residential address and who are currently in Australia."
      }
    ],
    "fees": [
      {
        "name": "Account Keeping Fee",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "additionalValue": "P1M"
      },
      {
        "name": "Internet Banking",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        }
      },
      {
        "name": "Phone Banking",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        }
      },
      {
        "name": "Visa Debit Transactions",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        }
      },
      {
        "name": "EFTPOS",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        }
      },
      {
        "name": "Collection Item",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        }
      },
      {
        "name": "Overdrawn Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "15.00"
        }
      },
      {
        "name": "Overseas Withdrawal",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        }
      },
      {
        "name": "Direct Debit",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        }
      },
      {
        "name": "Foreign Currency Conversion Fee",
        "feeType": "TRANSACTION",
        "feeMethodUType": "rateBased",
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.03"
        },
        "additionalInfo": "This fee is charged for any transaction that involves the conversion of an amount of foreign currency into Australian Dollars. The fee is charged at the time the transaction is processed to your account. The fee will be shown on your account statement separately to the transaction amount."
      },
      {
        "name": "Frequent Statement",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        }
      },
      {
        "name": "Staff assisted (branch and telephone)",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        }
      },
      {
        "name": "Bank@Post",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        }
      }
    ],
    "depositRates": [
      {
        "depositRateType": "BONUS",
        "rate": "0.0564",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "0 - 19999.99",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "0.00",
            "maximumValue": "19999.99",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
            "additionalValue": "00.01",
            "additionalInfo": "To earn Bonus interest rates, grow your account by at least $0.01 a month for customers under 21 and keep your balance above $0."
          },
          {
            "rateApplicabilityType": "DEPOSIT_BALANCE_INCREASED",
            "additionalValue": "50.00",
            "additionalInfo": "To earn Bonus interest rates, grow your account by at least $50 a month for customers 21 or over and keep your balance above $0."
          }
        ],
        "additionalValue": "P1M",
        "additionalInfo": "Add money to your account (interest payments don't count). Grow your balance before the last business day of the month"
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0001",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "0 - 19999.99",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "0.00",
            "maximumValue": "19999.99",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
            "additionalValue": "0.00"
          }
        ],
        "additionalInfo": "Standard variable rate"
      },
      {
        "depositRateType": "BONUS",
        "rate": "0.0564",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "20000 - 99999.99",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "20000.00",
            "maximumValue": "99999.99",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
            "additionalValue": "00.01",
            "additionalInfo": "To earn Bonus interest rates, grow your account by at least $0.01 a month for customers under 21 and keep your balance above $0."
          },
          {
            "rateApplicabilityType": "DEPOSIT_BALANCE_INCREASED",
            "additionalValue": "50.00",
            "additionalInfo": "To earn Bonus interest rates, grow your account by at least $50 a month for customers 21 or over and keep your balance above $0."
          }
        ],
        "additionalValue": "P1M",
        "additionalInfo": "Add money to your account (interest payments don't count). Grow your balance before the last business day of the month"
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0001",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "20000 - 99999.99",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "20000.00",
            "maximumValue": "99999.99",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
            "additionalValue": "20000.00"
          }
        ],
        "additionalInfo": "Standard variable rate"
      },
      {
        "depositRateType": "BONUS",
        "rate": "0.0564",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "100000 - 249999.99",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "100000.00",
            "maximumValue": "249999.99",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
            "additionalValue": "00.01",
            "additionalInfo": "To earn Bonus interest rates, grow your account by at least $0.01 a month for customers under 21 and keep your balance above $0."
          },
          {
            "rateApplicabilityType": "DEPOSIT_BALANCE_INCREASED",
            "additionalValue": "50.00",
            "additionalInfo": "To earn Bonus interest rates, grow your account by at least $50 a month for customers 21 or over and keep your balance above $0."
          }
        ],
        "additionalValue": "P1M",
        "additionalInfo": "Add money to your account (interest payments don't count). Grow your balance before the last business day of the month"
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0001",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "100000 - 249999.99",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "100000.00",
            "maximumValue": "249999.99",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
            "additionalValue": "100000.00"
          }
        ],
        "additionalInfo": "Standard variable rate"
      },
      {
        "depositRateType": "BONUS",
        "rate": "0.0564",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "250000 - 499999.99",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "250000.00",
            "maximumValue": "499999.99",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
            "additionalValue": "00.01",
            "additionalInfo": "To earn Bonus interest rates, grow your account by at least $0.01 a month for customers under 21 and keep your balance above $0."
          },
          {
            "rateApplicabilityType": "DEPOSIT_BALANCE_INCREASED",
            "additionalValue": "50.00",
            "additionalInfo": "To earn Bonus interest rates, grow your account by at least $50 a month for customers 21 or over and keep your balance above $0."
          }
        ],
        "additionalValue": "P1M",
        "additionalInfo": "Add money to your account (interest payments don't count). Grow your balance before the last business day of the month"
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0001",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "250000 - 499999.99",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "250000.00",
            "maximumValue": "499999.99",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
            "additionalValue": "250000.00"
          }
        ],
        "additionalInfo": "Standard variable rate"
      },
      {
        "depositRateType": "BONUS",
        "rate": "0.0564",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "500000 - 1000000",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "500000.00",
            "maximumValue": "1000000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
            "additionalValue": "00.01",
            "additionalInfo": "To earn Bonus interest rates, grow your account by at least $0.01 a month for customers under 21 and keep your balance above $0."
          },
          {
            "rateApplicabilityType": "DEPOSIT_BALANCE_INCREASED",
            "additionalValue": "50.00",
            "additionalInfo": "To earn Bonus interest rates, grow your account by at least $50 a month for customers 21 or over and keep your balance above $0."
          }
        ],
        "additionalValue": "P1M",
        "additionalInfo": "Add money to your account (interest payments don't count). Grow your balance before the last business day of the month"
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0001",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "500000 - 1000000",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "500000.00",
            "maximumValue": "1000000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
            "additionalValue": "500000.00"
          }
        ],
        "additionalInfo": "Standard variable rate"
      },
      {
        "depositRateType": "BONUS",
        "rate": "0.0564",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "1000000+",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "1000001.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
            "additionalValue": "00.01",
            "additionalInfo": "To earn Bonus interest rates, grow your account by at least $0.01 a month for customers under 21 and keep your balance above $0."
          },
          {
            "rateApplicabilityType": "DEPOSIT_BALANCE_INCREASED",
            "additionalValue": "50.00",
            "additionalInfo": "To earn Bonus interest rates, grow your account by at least $50 a month for customers 21 or over and keep your balance above $0."
          }
        ],
        "additionalValue": "P1M",
        "additionalInfo": "Add money to your account (interest payments don't count). Grow your balance before the last business day of the month"
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0001",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "1000000+",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "1000001.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
            "additionalValue": "1000000.00"
          }
        ],
        "additionalInfo": "Standard variable rate"
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "PENALTY",
        "rate": "0.1501",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "OTHER",
        "loanPurpose": "OTHER",
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "OTHER",
            "additionalInfo": "The Unarranged Lending Rate (ULR) is a debit interest rate charged to a transaction account if it becomes overdrawn without arrangement. It will be calculated daily on the debit balance (and deducted on the last business day of each month) using the then current ULR until the account balance is positive again."
          }
        ],
        "additionalValue": "P1M"
      }
    ]
  }
}