{
  "snapshot_at": "2026-10-22T13:24:29Z",
  "brand": "Beyond Bank Australia",
  "brand_slug": "beyond-bank-australia",
  "product_id": "3",
  "cdr_url": "https://public.cdr.api.beyondbank.com.au/cds-au/v1/banking/products/3",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://public.cdr.api.beyondbank.com.au/cds-au/v1/banking/products/3'",
  "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": "3",
    "effectiveFrom": "2001-10-26T14:30:00.0000000Z",
    "lastUpdated": "2026-10-12T14:00:30.6081947Z",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "name": "monEsaver Internet Account",
    "description": "The monEsaver is an online savings account with no account keeping fees. Earn interest with no minimum deposit requirements or withdrawal penalties for internet banking, phone banking and mobile banking.",
    "brand": "BYD",
    "brandName": "Beyond Bank Australia",
    "applicationUri": "https://www.beyondbank.com.au/bank-and-save/accounts/savings-accounts/monesaver-internet-savings-account/",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.beyondbank.com.au/bank-and-save/accounts/savings-accounts/monesaver-internet-savings-account/",
      "termsUri": "https://www.beyondbank.com.au/bank-and-save/accounts/savings-accounts/monesaver-internet-savings-account/",
      "eligibilityUri": "https://www.beyondbank.com.au/bank-and-save/accounts/savings-accounts/monesaver-internet-savings-account/",
      "feesAndPricingUri": "https://www.beyondbank.com.au/bank-and-save/accounts/savings-accounts/monesaver-internet-savings-account/"
    },
    "features": [
      {
        "featureType": "BILL_PAYMENT",
        "additionalInfo": "BPAY available.",
        "additionalInfoUri": "https://www.beyondbank.com.au/help-and-contact/faqs/internet-banking/how-do-i-use-bpay-on-internet-banking/"
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Access your money 24/7 through Internet Banking, Telephone Banking or Mobile Banking services",
        "additionalInfoUri": "https://www.beyondbank.com.au/bank-and-save/switch-to-beyond-bank/"
      },
      {
        "featureType": "NOTIFICATIONS",
        "additionalValue": "Text Me or Push Notification Alert",
        "additionalInfo": "Available with Internet Banking or via notifications from Mobile Banking. Service enables information about accounts to be sent via SMS to a specified mobile number. It is event triggered or on demand.",
        "additionalInfoUri": "https://brand.beyondbank.com.au/m/3639ea02e11a40f4/original/Product-Guide-website.pdf"
      },
      {
        "featureType": "NPP_ENABLED",
        "additionalInfo": "New Payments Platform (NPP) available.  Allows you to send and receive money instantly between eligible accounts with your PayID.",
        "additionalInfoUri": "https://www.beyondbank.com.au/bank-and-save/switch-to-beyond-bank/osko/"
      },
      {
        "featureType": "NPP_PAYID",
        "additionalInfo": "New Payments Platform (NPP) is available. Use your mobile number or email as your PayID to send and receive money instantly between eligible accounts.",
        "additionalInfoUri": "https://www.beyondbank.com.au/bank-and-save/switch-to-beyond-bank/osko/"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "BUSINESS",
        "additionalInfoUri": "https://www.beyondbank.com.au/bank-and-save/accounts/savings-accounts/monesaver-internet-savings-account/"
      },
      {
        "eligibilityType": "NATURAL_PERSON"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Membership: You must be or become a Beyond Bank Australia member"
      }
    ],
    "fees": [
      {
        "name": "Transaction Fee",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "4.00"
        },
        "currency": "AUD",
        "additionalInfo": "This fee is payable for each over the counter cash withdrawals, staff-assisted transfers and BPAY payments made in a branch or over the phone by the Member Service Centre."
      }
    ],
    "depositRates": [
      {
        "depositRateType": "VARIABLE",
        "rate": "0.024",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "Floating Balance Tier 1",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "0.00",
            "maximumValue": "4999.99",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalInfo": "Interest is calculated daily on the whole balance and paid on the last day of each month."
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.027",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "Floating Balance Tier 2",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "5000.00",
            "maximumValue": "199999.99",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalInfo": "Interest is calculated daily on the whole balance and paid on the last day of each month."
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0295",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "Floating Balance Tier 3",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "200000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalInfo": "Interest is calculated daily on the whole balance and paid on the last day of each month."
      }
    ]
  }
}