{
  "snapshot_at": "2026-10-22T13:24:20Z",
  "brand": "BankVic",
  "brand_slug": "bankvic",
  "product_id": "S40_Savings_SMSF",
  "cdr_url": "https://ib.bankvic.com.au/openbanking/cds-au/v1/banking/products/S40_Savings_SMSF",
  "x_v": 6,
  "how_to_fetch": "curl -H 'x-v: 6' 'https://ib.bankvic.com.au/openbanking/cds-au/v1/banking/products/S40_Savings_SMSF'",
  "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": "UNLIMITED_TXNS",
        "additionalInfo": "Unlimited BankVic electronic transactions"
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Bank 24/7 wherever you are and whenever you want with BankVic mobile and internet banking"
      },
      {
        "featureType": "NPP_PAYID"
      },
      {
        "featureType": "NPP_ENABLED"
      },
      {
        "featureType": "BILL_PAYMENT",
        "additionalInfo": "Direct Debit, BPAY"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Cheque book available on request"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "You will need to have a Self-Managed Super Fund (SMSF) before you can open an SMSF Saver account."
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Member of BankVIC"
      }
    ],
    "fees": [
      {
        "name": "DIRECT_DEBIT_DISHONOUR_FEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "9.00"
        },
        "currency": "AUD",
        "additionalInfo": "Insufficient Funds in account"
      },
      {
        "name": "COMPANY_SEARCH_FEES",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "25.00"
        },
        "currency": "AUD",
        "additionalInfo": "Company search fee to open account."
      },
      {
        "name": "EXPRESS_POSTAGE_FEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "7.50"
        },
        "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": "RTGS",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "15.00"
        },
        "currency": "AUD",
        "additionalInfo": "RTGS (Real Time Gross Settlement)"
      },
      {
        "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."
      }
    ],
    "depositRates": [
      {
        "depositRateType": "VARIABLE",
        "rate": "0.049",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "SMSF Saver_Tier_1",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "0.00",
            "maximumValue": "5000000.00",
            "rateApplicationMethod": "PER_TIER"
          }
        ],
        "additionalInfoUri": "https://www.bankvic.com.au/savings/?filter=Savings"
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0001",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "SMSF Saver_Tier_2",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "5000000.01",
            "rateApplicationMethod": "PER_TIER"
          }
        ],
        "additionalInfoUri": "https://www.bankvic.com.au/savings/?filter=Savings"
      }
    ],
    "productId": "S40_Savings_SMSF",
    "lastUpdated": "2026-10-01T09:01:47.000+10:00",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "name": "SMSF Saver",
    "description": "Manage your SMSF cash and enjoy the flexibility of access to your funds",
    "brand": "BankVic",
    "brandName": "BankVic",
    "applicationUri": "https://www.bankvic.com.au/apply-for-deposit-account/",
    "isTailored": true,
    "additionalInformation": {
      "overviewUri": "https://www.bankvic.com.au/savings/",
      "termsUri": "https://cdn.intelligencebank.com/au/share/NZw2/RVzr/yzJw/original/BankVic+Terms+%2526+Conditions",
      "eligibilityUri": "https://www.bankvic.com.au/savings/",
      "feesAndPricingUri": "https://www.bankvic.com.au/savings/?filter=Savings"
    }
  }
}