{
  "snapshot_at": "2026-10-22T13:24:20Z",
  "brand": "BankVic",
  "brand_slug": "bankvic",
  "product_id": "S10_Savings_Pension",
  "cdr_url": "https://ib.bankvic.com.au/openbanking/cds-au/v1/banking/products/S10_Savings_Pension",
  "x_v": 6,
  "how_to_fetch": "curl -H 'x-v: 6' 'https://ib.bankvic.com.au/openbanking/cds-au/v1/banking/products/S10_Savings_Pension'",
  "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": {
    "features": [
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Bank 24/7 wherever you are and whenever you want with BankVic mobile and internet banking"
      },
      {
        "featureType": "UNLIMITED_TXNS"
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Bank 24/7 wherever you are and whenever you want with BankVic mobile and internet banking"
      },
      {
        "featureType": "NPP_PAYID",
        "additionalInfo": "PayID is the new way to make online payments that's faster, easier, smarter and more secure. A PayID is a smart address for payments which is securely linked to a bank account. It can be an email address or mobile phone number. Your PayID makes life much easier as you won't need to remember your BSB and account number anymore. Then when someone needs to pay you, you simply give them your PayID."
      },
      {
        "featureType": "NPP_ENABLED",
        "additionalInfo": "Osko (NPP Faster Payment) is utilised across participating banks and financial institutions with funds received within seconds. You can use up to 280 characters to describe an Osko transaction. Plus you ll see the description instantly in your transaction record. Now that s a better way to understand your payments."
      },
      {
        "featureType": "BILL_PAYMENT",
        "additionalInfo": "Pay bills using BPAY which is a fast, convenient and easy to use, enabling you to make payments to over 22,000 organisations."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Checkbook available upon request"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "PENSION_RECIPIENT",
        "additionalInfo": "Receive Australian government pension from Centrelink or the Department of Veteran Affairs"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalInfo": "Australian citizen"
      }
    ],
    "fees": [
      {
        "name": "DIRECT_DEBIT_DISHONOUR_FEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "9.00"
        },
        "currency": "AUD",
        "additionalInfo": "Insufficient Funds in account"
      },
      {
        "name": "EXPRESS_POSTAGE_FEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "7.50"
        },
        "currency": "AUD"
      },
      {
        "name": "PERSONAL_CHEQUE_BOOK_FEE",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        },
        "currency": "AUD"
      },
      {
        "name": "ARCHIVED_RECORDS_UP_TO_30_DAYS_SINCE_TRANSACTION",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "6.00"
        },
        "currency": "AUD",
        "additionalInfo": "Fee applies to each record"
      },
      {
        "name": "ARCHIVED_RECORDS_30-90_DAYS_SINCE_TRANSACTION",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "7.50"
        },
        "currency": "AUD",
        "additionalInfo": "Fee applies to each record"
      },
      {
        "name": "ARCHIVED_RECORDS_OVER_90_DAYS_SINCE_TRANSACTIO",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        },
        "currency": "AUD",
        "additionalInfo": "Fee applies to each record"
      },
      {
        "name": "MISCELLANEOUS_FEES",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "50.00"
        },
        "currency": "AUD",
        "additionalInfo": "$50 per transaction and $15 per charge for services not otherwise provided in this guide. We will seek your permission before proceeding."
      },
      {
        "name": "RTGS",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "15.00"
        },
        "currency": "AUD",
        "additionalInfo": "RTGS (Real Time Gross Settlement)"
      }
    ],
    "depositRates": [
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0435",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "Pension Plus_Tier_1",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "0.00",
            "maximumValue": "51800.00",
            "rateApplicationMethod": "PER_TIER"
          }
        ]
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0465",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "Pension Plus_Tier_2",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "51800.01",
            "rateApplicationMethod": "PER_TIER"
          }
        ]
      }
    ],
    "productId": "S10_Savings_Pension",
    "lastUpdated": "2026-10-01T09:04:13.000+10:00",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "name": "Pension Plus",
    "description": "An everyday savings account tailored for retirees",
    "brand": "BankVic",
    "brandName": "BankVic",
    "applicationUri": "https://www.bankvic.com.au/apply-for-deposit-account",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.bankvic.com.au/savings?filter=Regular-Savings&product=Pension-Plus",
      "termsUri": "https://cdn.intelligencebank.com/au/share/NZw2/RVzr/yzJw/original/BankVic+Terms+%2526+Conditions",
      "eligibilityUri": "https://www.bankvic.com.au/savings?filter=Regular-Savings&product=Pension-Plus",
      "feesAndPricingUri": "https://cdn.intelligencebank.com/au/share/NZw2/RVzr/dwqA/original/Fees+and+Charges"
    }
  }
}