{
  "snapshot_at": "2026-10-22T13:24:29Z",
  "brand": "Beyond Bank Australia",
  "brand_slug": "beyond-bank-australia",
  "product_id": "4",
  "cdr_url": "https://public.cdr.api.beyondbank.com.au/cds-au/v1/banking/products/4",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://public.cdr.api.beyondbank.com.au/cds-au/v1/banking/products/4'",
  "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": "4",
    "effectiveFrom": "2011-03-31T13:30:00.0000000Z",
    "lastUpdated": "2026-10-12T14:00:30.6081947Z",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "name": "Community Reward Account",
    "description": "The Community Reward Account is a flexible savings account with a competitive interest rate. A percentage of the annual average balances will be donated to a nominated registered charity or community group",
    "brand": "BYD",
    "brandName": "Beyond Bank Australia",
    "applicationUri": "https://www.beyondbank.com.au/bank-and-save/accounts/community-reward-account/",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.beyondbank.com.au/bank-and-save/accounts/community-reward-account/",
      "termsUri": "https://www.beyondbank.com.au/bank-and-save/accounts/community-reward-account/",
      "eligibilityUri": "https://www.beyondbank.com.au/bank-and-save/accounts/community-reward-account/",
      "feesAndPricingUri": "https://www.beyondbank.com.au/bank-and-save/accounts/community-reward-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/"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Community Bonus Payment: After June 30 each year, Beyond Bank will donate a percentage of the average balance of all accounts linked to the same nominated group  - this is known as the Community Bonus Payment."
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "BUSINESS",
        "additionalInfoUri": "https://www.beyondbank.com.au/bank-and-save/accounts/community-reward-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": "2.50"
        },
        "currency": "AUD",
        "additionalInfo": "This fee is payable for over the counter cash withdrawals, staff-assisted transfers and BPAY payments made in a branch or over the phone by the Member Service Centre. Receive two free transactions per month before the fee is charged."
      }
    ],
    "depositRates": [
      {
        "depositRateType": "VARIABLE",
        "rate": "0.039",
        "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 and paid on the last day of each month."
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.042",
        "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 and paid on the last day of each month."
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.043",
        "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 and paid on the last day of each month."
      }
    ]
  }
}