{
  "snapshot_at": "2026-10-22T13:24:26Z",
  "brand": "Bendigo Bank",
  "brand_slug": "bendigo-bank",
  "product_id": "1c7fb67a-446b-4dc5-94e5-9e5f716a87bb",
  "cdr_url": "https://api.cdr.bendigobank.com.au/cds-au/v1/banking/products/1c7fb67a-446b-4dc5-94e5-9e5f716a87bb",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://api.cdr.bendigobank.com.au/cds-au/v1/banking/products/1c7fb67a-446b-4dc5-94e5-9e5f716a87bb'",
  "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": {
    "lastUpdated": "2026-08-31T06:51:48.730Z",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "name": "Bendigo Student Account",
    "description": "This clever transaction account is designed to help you earn while you learn.  It's available to full time students, apprentices and trainees.",
    "productId": "1c7fb67a-446b-4dc5-94e5-9e5f716a87bb",
    "brandName": "Bendigo Bank",
    "applicationUri": "https://applynow.bendigobank.com.au/apply/#/apply/new/depositAccounts/productSelection?productCode=DDA-14-STU",
    "isTailored": false,
    "bundles": [],
    "cardArt": [],
    "features": [
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Ability for existing customers to open an account in e-banking"
      },
      {
        "featureType": "NPP_ENABLED"
      },
      {
        "featureType": "CARD_ACCESS",
        "additionalValue": "A card is available for the product to access funds"
      }
    ],
    "constraints": [],
    "eligibility": [
      {
        "eligibilityType": "STUDENT",
        "additionalValue": "Available to full-time students, apprentices and trainees aged 12 years and over. ",
        "additionalInfo": "Once you turn 25 years of age, proof of ongoing enrolment to be provided by 14 April every year."
      },
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "12"
      },
      {
        "eligibilityType": "NATURAL_PERSON",
        "additionalValue": "Must be a natural person"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "Australian citizen or resident",
        "additionalInfo": "You need to be an Australian citizen or resident"
      }
    ],
    "fees": [
      {
        "name": "Periodical Payment to Other Financial Institution",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "discounts": [],
        "fixedAmount": {
          "amount": "3.750000"
        }
      },
      {
        "name": "Direct Debit Dishonour Fee",
        "feeType": "DISHONOUR",
        "feeMethodUType": "fixedAmount",
        "additionalInfo": "Applies when a direct debit from your account is \ndishonoured due to insufficient funds.",
        "discounts": [],
        "fixedAmount": {
          "amount": "10.000000"
        }
      },
      {
        "name": "International Transaction Fee",
        "feeType": "TRANSACTION",
        "feeMethodUType": "rateBased",
        "additionalInfo": "3% of the Transaction amount (in AUD) payable for \neach Transaction which is conducted in a currency \nother than Australian dollars (AUD) or in Australian \ndollars (AUD) but with or using a merchant, payment \nprocessor, financial institution or other entity \n(including an online merchant) who is outside of \nAustralia.",
        "discounts": [],
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.0300000000000000"
        }
      },
      {
        "name": "International ATM Withdrawal",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "additionalInfo": "Payable whenever you make a cash withdrawal outside of Australia at a non-Bendigo Bank ATM (in addition to the Cash Advance Fee).\nOther financial institutions may charge you a fee for using their ATMs. This fee will be displayed at the time of the transaction and allows the customer to accept or decline the fee as shown. If using your credit card interest will be charged from the day the withdrawal is completed.\n",
        "discounts": [],
        "fixedAmount": {
          "amount": "5.000000"
        }
      },
      {
        "name": "Bank@Post balance enquiry",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "additionalInfo": "When you make balance enquiry at a Bank@Post \nterminal in an Australia Post Office using a Bendigo \nBank card, where this facility is available.",
        "discounts": [],
        "fixedAmount": {
          "amount": "0.000000"
        }
      },
      {
        "name": "Bank@Post Deposit",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "additionalInfo": "When you make a deposit at a Bank@Post terminal in an \nAustralia Post Office using a Bendigo Bank card where \nthis facility is available.\n",
        "discounts": [],
        "fixedAmount": {
          "amount": "2.500000"
        }
      },
      {
        "name": "Bank@Post Withdrawal",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "additionalInfo": "When you make a Withdrawal at a Bank@Post terminal in an \nAustralia Post Office using a Bendigo Bank card where \nthis facility is available.\n",
        "discounts": [],
        "fixedAmount": {
          "amount": "2.500000"
        }
      },
      {
        "name": "Staff Assisted Service Fee In Branch",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "additionalInfo": "All in branch Staff Assisted Services for withdrawals and transfers will incur this fee.",
        "discounts": [],
        "fixedAmount": {
          "amount": "2.500000"
        }
      },
      {
        "name": "Bendigo Bank ATM Transfer",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "discounts": [],
        "fixedAmount": {
          "amount": "0.000000"
        }
      },
      {
        "name": "Bendigo Bank ATM Withdrawal",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "discounts": [],
        "fixedAmount": {
          "amount": "0.000000"
        }
      },
      {
        "name": "Monthly Service Fee",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "additionalValue": "P1M",
        "discounts": [],
        "fixedAmount": {
          "amount": "0.000000"
        }
      }
    ],
    "lendingRates": [],
    "depositRates": [
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0000000000000000",
        "calculationFrequency": "P1D",
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "tiers": [
          {
            "name": "$0 < $250",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "0.0000000000000000",
            "maximumValue": "250.0000000000000000",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ]
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0000000000000000",
        "calculationFrequency": "P1D",
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "tiers": [
          {
            "name": "$250 < $2,000",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "250.0000000000000000",
            "maximumValue": "2000.0000000000000000",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ]
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0000000000000000",
        "calculationFrequency": "P1D",
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "tiers": [
          {
            "name": "$2,000 < $5,000",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "2000.0000000000000000",
            "maximumValue": "5000.0000000000000000",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ]
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0001000000000000",
        "calculationFrequency": "P1D",
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "tiers": [
          {
            "name": "$5,000 plus",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "5000.0000000000000000",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ]
      }
    ],
    "additionalInformation": {
      "overviewUri": "https://www.bendigobank.com.au/personal/transaction-accounts/student-account/",
      "termsUri": "https://www.bendigobank.com.au/disclosure-documents/",
      "eligibilityUri": "https://www.bendigobank.com.au/disclosure-documents/",
      "feesAndPricingUri": "https://www.bendigobank.com.au/disclosure-documents/"
    },
    "brand": "BENDIGO"
  }
}