{
  "snapshot_at": "2026-10-22T13:24:26Z",
  "brand": "BCU Bank",
  "brand_slug": "bcu-bank",
  "product_id": "278",
  "cdr_url": "https://public.cdr-api.bcu.com.au/cds-au/v1/banking/products/278",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://public.cdr-api.bcu.com.au/cds-au/v1/banking/products/278'",
  "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": "278",
    "effectiveFrom": "2023-03-01T13:30:00.0000000Z",
    "lastUpdated": "2026-10-20T00:00:41.2487039Z",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "name": "Bonus Saver",
    "description": "Give your savings a lift and earn bonus interest for the first four months.",
    "brand": "BCU",
    "brandName": "bcu",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.bcu.com.au/everyday-banking/savings-accounts/bonus-saver-account/",
      "termsUri": "https://www.bcu.com.au/important-information/terms-and-conditions/savings-accounts--access-channels/",
      "feesAndPricingUri": "https://www.bcu.com.au/help-centre/fees-and-charges/everyday-savings-accounts-fees-and-charges/"
    },
    "features": [
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Transfer or make payments using our mobile app or internet banking. Payments made with PayID or using Osko are received in near real-time.",
        "additionalInfoUri": "https://www.bcu.com.au/everyday-banking/digital-banking/mobile-app/"
      },
      {
        "featureType": "NPP_ENABLED",
        "additionalInfo": "Transfer or make payments using our mobile app or internet banking. Payments made with PayID or using Osko are received in near real-time.",
        "additionalInfoUri": "https://www.bcu.com.au/everyday-banking/ways-to-pay/"
      },
      {
        "featureType": "NPP_PAYID",
        "additionalInfo": "Use your phone or email address as your PayID to securely send payments to and from banks almost instantly.",
        "additionalInfoUri": "https://www.bcu.com.au/everyday-banking/ways-to-pay/"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Eligible members can deposit foreign cheques in branch. $10 fee for foreign cheque deposits up to $25,000 AUD and $60 fee for foreign cheque deposits over $25,000 AUD. Please contact us on 1300 228 228 or visit your nearest branch for more information.",
        "additionalInfoUri": "https://www.bcu.com.au/help-centre/fees-and-charges/everyday-savings-accounts-fees-and-charges/"
      },
      {
        "featureType": "UNLIMITED_TXNS",
        "additionalInfo": "Save money with no monthly, minimum balance or transaction fees. Other fees and charges may apply. Please visit our website for full information.",
        "additionalInfoUri": "https://www.bcu.com.au/everyday-banking/savings-accounts/bonus-saver-account/"
      }
    ],
    "constraints": [
      {
        "constraintType": "MAX_BALANCE",
        "additionalValue": "5000000.00",
        "additionalInfo": "Maximum balance is $5,000,000",
        "additionalInfoUri": "https://www.bcu.com.au/everyday-banking/savings-accounts/bonus-saver-account/"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "12",
        "additionalInfoUri": "https://www.bcu.com.au/everyday-banking/savings-accounts/bonus-saver-account/"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Members may hold a maximum of one Bonus Saver account as a single account and one as a joint account. You may open a Bonus Saver account 12 months from the date of closing any previously owned Bonus Saver account as a single or joint account.",
        "additionalInfoUri": "https://www.bcu.com.au/everyday-banking/savings-accounts/bonus-saver-account/"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "You must be or become a BCU Bank member",
        "additionalInfoUri": "https://www.bcu.com.au/everyday-banking/savings-accounts/bonus-saver-account/"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "You must be an Australian citizen and/or resident or a non-resident with a qualifying visa evidencing 12 months or longer residency. A valid Australian address is required to open an account. Membership eligibility applies.",
        "additionalInfoUri": "https://www.bcu.com.au/everyday-banking/savings-accounts/bonus-saver-account/"
      }
    ],
    "fees": [
      {
        "name": "Overseas Telegraphic Transfer",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "45.00"
        },
        "currency": "AUD",
        "additionalInfo": "$45 per staff assisted telegraphic transfer sent in AUD currency. $30 per staff assisted telegraphic transfer sent in a foreign currency.",
        "additionalInfoUri": "https://www.bcu.com.au/help-centre/fees-and-charges/everyday-savings-accounts-fees-and-charges/"
      },
      {
        "name": "International Transfer Fee",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "15.00"
        },
        "currency": "AUD",
        "additionalInfo": "Per online banking transfer sent in a foreign currency.",
        "additionalInfoUri": "https://www.bcu.com.au/help-centre/fees-and-charges/everyday-savings-accounts-fees-and-charges/"
      },
      {
        "name": "Cash Passport Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        },
        "currency": "AUD",
        "additionalInfo": "For the initial activation and each currency top-up requested in branch.",
        "additionalInfoUri": "https://www.bcu.com.au/help-centre/fees-and-charges/everyday-savings-accounts-fees-and-charges/"
      },
      {
        "name": "Statement Retrieval Fee",
        "feeType": "REPLACEMENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "2.50"
        },
        "currency": "AUD",
        "additionalInfo": "Fee applies for statements over 12 months old. Payable on request to issue a copy of a previously issued statement.",
        "additionalInfoUri": "https://www.bcu.com.au/help-centre/fees-and-charges/everyday-savings-accounts-fees-and-charges/"
      },
      {
        "name": "Manual External Transfer Fee",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "2.50"
        },
        "currency": "AUD",
        "additionalInfo": "Staff assisted manual transfer to another organisation. Charged per transfer.",
        "additionalInfoUri": "https://www.bcu.com.au/help-centre/fees-and-charges/everyday-savings-accounts-fees-and-charges/"
      },
      {
        "name": "Referral Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "3.50"
        },
        "currency": "AUD",
        "additionalInfo": "Where an account has insufficient available funds to cover a direct debit transaction, and the transaction is honoured by BCU Bank.",
        "additionalInfoUri": "https://www.bcu.com.au/help-centre/fees-and-charges/everyday-savings-accounts-fees-and-charges/"
      },
      {
        "name": "Dishonour Fee",
        "feeType": "DISHONOUR",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "6.00"
        },
        "currency": "AUD",
        "additionalInfo": "Where a direct debit is dishonoured due to insufficient funds.",
        "additionalInfoUri": "https://www.bcu.com.au/help-centre/fees-and-charges/everyday-savings-accounts-fees-and-charges/"
      },
      {
        "name": "Auto Transfer Dishonour Fee",
        "feeType": "DISHONOUR",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "6.00"
        },
        "currency": "AUD",
        "additionalInfo": "Charged where there are insufficient funds in your account when an external auto transfer or BPAY payment is due to be made.",
        "additionalInfoUri": "https://www.bcu.com.au/help-centre/fees-and-charges/everyday-savings-accounts-fees-and-charges/"
      },
      {
        "name": "Overdrawn Account Management Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        },
        "currency": "AUD",
        "additionalInfo": "A fee applied in relation to any month where we allow the approved credit limit on your account to be exceeded by more than $50 or, if your account does not have an approved credit limit, if we allow you to overdraw your account by more than $50.",
        "additionalInfoUri": "https://www.bcu.com.au/help-centre/fees-and-charges/everyday-savings-accounts-fees-and-charges/"
      },
      {
        "name": "Foreign Cheque Deposit <$25,000 Fee",
        "feeType": "DEPOSIT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        },
        "currency": "AUD",
        "additionalInfo": "$10 fee for foreign cheque deposits up to $25,000 AUD. Eligible members can deposit foreign cheques in branch.",
        "additionalInfoUri": "https://www.bcu.com.au/help-centre/fees-and-charges/everyday-savings-accounts-fees-and-charges/"
      },
      {
        "name": "Foreign Cheque Deposit $25,000+ Fee",
        "feeType": "DEPOSIT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "60.00"
        },
        "currency": "AUD",
        "additionalInfo": "$60 fee for foreign cheque deposits of $25,000 AUD or more. Eligible members can deposit foreign cheques in branch.",
        "additionalInfoUri": "https://www.bcu.com.au/help-centre/fees-and-charges/everyday-savings-accounts-fees-and-charges/"
      }
    ],
    "depositRates": [
      {
        "depositRateType": "INTRODUCTORY",
        "rate": "0.0555",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "Introductory Bonus Rate",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "0.00",
            "maximumValue": "5000000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "EXISTING_CUST",
            "additionalInfo": "Rate available to existing customers.",
            "additionalInfoUri": "https://www.bcu.com.au/everyday-banking/savings-accounts/bonus-saver-account/"
          },
          {
            "rateApplicabilityType": "NEW_ACCOUNTS",
            "additionalInfo": "Rate available for new accounts.",
            "additionalInfoUri": "https://www.bcu.com.au/everyday-banking/savings-accounts/bonus-saver-account/"
          },
          {
            "rateApplicabilityType": "NEW_CUSTOMER",
            "additionalInfo": "Rate available to new customers.\r\n",
            "additionalInfoUri": "https://www.bcu.com.au/everyday-banking/savings-accounts/bonus-saver-account/"
          },
          {
            "rateApplicabilityType": "OTHER",
            "additionalInfo": "Interest rate applies for the first four months on daily closing balances from account opening date.",
            "additionalInfoUri": "https://www.bcu.com.au/everyday-banking/savings-accounts/bonus-saver-account/"
          }
        ],
        "additionalValue": "P4M",
        "additionalInfo": "The Bonus Saver introductory interest rate applies for the first four months on daily closing balances from account opening date. At the end of the bonus period the standard ongoing variable interest rate at that time will apply.",
        "additionalInfoUri": "https://www.bcu.com.au/everyday-banking/savings-accounts/bonus-saver-account/"
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0005",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "Floating Balance Tier 1",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "0.00",
            "maximumValue": "249999.99",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "EXISTING_CUST",
            "additionalInfo": "Rate available to existing customers.",
            "additionalInfoUri": "https://www.bcu.com.au/everyday-banking/savings-accounts/bonus-saver-account/"
          },
          {
            "rateApplicabilityType": "NEW_ACCOUNTS",
            "additionalInfo": "Rate available for new accounts.",
            "additionalInfoUri": "https://www.bcu.com.au/everyday-banking/savings-accounts/bonus-saver-account/"
          },
          {
            "rateApplicabilityType": "NEW_CUSTOMER",
            "additionalInfo": "Rate available to new customers.\r\n",
            "additionalInfoUri": "https://www.bcu.com.au/everyday-banking/savings-accounts/bonus-saver-account/"
          }
        ],
        "additionalInfoUri": "https://www.bcu.com.au/everyday-banking/savings-accounts/bonus-saver-account/"
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0005",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "Floating Balance Tier 2",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "250000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "EXISTING_CUST",
            "additionalInfo": "Rate available to existing customers.",
            "additionalInfoUri": "https://www.bcu.com.au/everyday-banking/savings-accounts/bonus-saver-account/"
          },
          {
            "rateApplicabilityType": "NEW_ACCOUNTS",
            "additionalInfo": "Rate available for new accounts.",
            "additionalInfoUri": "https://www.bcu.com.au/everyday-banking/savings-accounts/bonus-saver-account/"
          },
          {
            "rateApplicabilityType": "NEW_CUSTOMER",
            "additionalInfo": "Rate available to new customers.\r\n",
            "additionalInfoUri": "https://www.bcu.com.au/everyday-banking/savings-accounts/bonus-saver-account/"
          }
        ],
        "additionalInfoUri": "https://www.bcu.com.au/everyday-banking/savings-accounts/bonus-saver-account/"
      }
    ]
  }
}