{
  "snapshot_at": "2026-10-22T13:24:26Z",
  "brand": "Bendigo Bank",
  "brand_slug": "bendigo-bank",
  "product_id": "d898056d-054a-4a1b-b78f-54875584191d",
  "cdr_url": "https://api.cdr.bendigobank.com.au/cds-au/v1/banking/products/d898056d-054a-4a1b-b78f-54875584191d",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://api.cdr.bendigobank.com.au/cds-au/v1/banking/products/d898056d-054a-4a1b-b78f-54875584191d'",
  "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": {
    "effectiveFrom": "2025-08-08T02:01:00.000Z",
    "lastUpdated": "2026-08-31T06:53:41.179Z",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "name": "Bendigo Cash Management Account (CMA)",
    "description": "An interest earning at-call deposit account which is sold to new or existing customers via a custodian or advisor. Account access is available via Debit Mastercard or online banking.",
    "productId": "d898056d-054a-4a1b-b78f-54875584191d",
    "brandName": "Bendigo Bank",
    "isTailored": false,
    "bundles": [],
    "cardArt": [],
    "constraints": [
      {
        "constraintType": "MIN_BALANCE",
        "additionalValue": "1000.00"
      }
    ],
    "features": [
      {
        "featureType": "BILL_PAYMENT",
        "additionalValue": "BPAY"
      },
      {
        "featureType": "CARD_ACCESS",
        "additionalValue": "Debit Mastercard"
      },
      {
        "featureType": "DIGITAL_BANKING"
      }
    ],
    "eligibility": [],
    "fees": [
      {
        "name": "Cash Withdrawal (in branch)",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "fixedAmount",
        "additionalInfo": "When you make a cash withdrawal from your Bendigo Bank account ‘over- the-counter’ at a Bendigo Bank branch. ",
        "discounts": [],
        "fixedAmount": {
          "amount": "2.500000"
        }
      },
      {
        "name": "Transfer (in branch)",
        "feeType": "PAYMENT",
        "feeMethodUType": "fixedAmount",
        "additionalInfo": "When you make an ‘over-the-counter’ request at a Bendigo Bank branch to transfer funds from one Bendigo Bank account to another Bendigo Bank account (including scheduled in branch transfers where you request one or more future dated transfers as opposed to establishing a periodical payment or sweep facility).",
        "discounts": [],
        "fixedAmount": {
          "amount": "2.500000"
        }
      },
      {
        "name": "Bank@Post Withdrawal",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "fixedAmount",
        "additionalInfo": "When you make a withdrawal at a Bank@Post terminal in an Australia Post Office using a Bendigo Bank card where this facility is available.",
        "discounts": [],
        "fixedAmount": {
          "amount": "2.500000"
        }
      },
      {
        "name": "Bank@Post Deposit",
        "feeType": "DEPOSIT",
        "feeMethodUType": "fixedAmount",
        "additionalInfo": "When you make a deposit at a Bank@Post terminal in an Australia Post Office using a Bendigo Bank card where this facility is available",
        "discounts": [],
        "fixedAmount": {
          "amount": "2.500000"
        }
      },
      {
        "name": "Bank Cheque Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "additionalInfo": "Is payable for each Bank Cheque drawn.",
        "discounts": [],
        "fixedAmount": {
          "amount": "10.000000"
        }
      },
      {
        "name": "Bank Cheque Replacement",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "additionalInfo": "When a Bank Cheque has been lost, destroyed or stolen and you request us to provide you with a replacement Bank Cheque.",
        "discounts": [],
        "fixedAmount": {
          "amount": "30.000000"
        }
      },
      {
        "name": "Bank cheque stop payment",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "additionalInfo": "When you request us to stop payment on a bank cheque and to purchase it back (allowed only in limited circumstances)",
        "discounts": [],
        "fixedAmount": {
          "amount": "20.000000"
        }
      },
      {
        "name": "Inward telegraphic transfer in AUD currency",
        "feeType": "PAYMENT",
        "feeMethodUType": "fixedAmount",
        "additionalInfo": "Acceptance of payment in AUD currency for swift transfer to a Bendigo Bank account ",
        "discounts": [],
        "fixedAmount": {
          "amount": "2.000000"
        }
      },
      {
        "name": "Inward telegraphic transfer in a foreign currency",
        "feeType": "PAYMENT",
        "feeMethodUType": "fixedAmount",
        "additionalInfo": "Acceptance of payments in a foreign currency for swift transfer to a Bendigo Bank account ",
        "discounts": [],
        "fixedAmount": {
          "amount": "10.000000"
        }
      },
      {
        "name": "Outward telegraphic transfer",
        "feeType": "PAYMENT",
        "feeMethodUType": "fixedAmount",
        "additionalInfo": "When you request the transfer of funds to a non-Bendigo Bank account. This includes:\n\tInternational Telegraphic Transfers – funds sent from your Bendigo Bank account to overseas destinations worldwide in AUD or foreign currency\n\tDomestic Telegraphic Transfers – AUD funds sent from your Bendigo Bank account to other financial institutions within Australia",
        "discounts": [],
        "fixedAmount": {
          "amount": "30.000000"
        }
      },
      {
        "name": "Bill Payment Transaction Recall/Trace Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "additionalInfo": "When you request us to trace or recall a bill payment you have made through the BPAY scheme.",
        "discounts": [],
        "fixedAmount": {
          "amount": "20.000000"
        }
      },
      {
        "name": "Direct Debit Dishonour Fee",
        "feeType": "DISHONOUR",
        "feeMethodUType": "fixedAmount",
        "additionalInfo": "Applies when a direct debit from your account is dishonoured due to insufficient funds.",
        "discounts": [],
        "fixedAmount": {
          "amount": "10.000000"
        }
      }
    ],
    "lendingRates": [],
    "depositRates": [
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0100000000000000",
        "calculationFrequency": "P1D",
        "applicationFrequency": "P1M",
        "additionalInfo": "n/a",
        "applicationType": "PERIODIC"
      }
    ],
    "brand": "BENDIGO"
  }
}