{
  "snapshot_at": "2026-11-13T01:41:14Z",
  "brand": "Beyond Bank Australia",
  "brand_slug": "beyond-bank-australia",
  "product_id": "6",
  "cdr_url": "https://public.cdr.api.beyondbank.com.au/cds-au/v1/banking/products/6",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://public.cdr.api.beyondbank.com.au/cds-au/v1/banking/products/6'",
  "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": "6",
    "effectiveFrom": "2001-07-16T14:30:00.0000000Z",
    "lastUpdated": "2026-11-13T00:00:30.6096999Z",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "name": "Access Savings Account",
    "description": "The Access Savings Account is no longer available as a new account",
    "brand": "BYD",
    "brandName": "Beyond Bank Australia",
    "applicationUri": "https://www.beyondbank.com.au/about-us/corporate-governance/disclosures/disclosure-documents/",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.beyondbank.com.au/about-us/corporate-governance/disclosures/disclosure-documents/",
      "termsUri": "https://www.beyondbank.com.au/about-us/corporate-governance/disclosures/disclosure-documents/",
      "eligibilityUri": "https://www.beyondbank.com.au/about-us/corporate-governance/disclosures/disclosure-documents/",
      "feesAndPricingUri": "https://www.beyondbank.com.au/about-us/corporate-governance/disclosures/disclosure-documents/"
    },
    "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": "CARD_ACCESS",
        "additionalValue": "Visa Debit Card available"
      },
      {
        "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": "DIGITAL_WALLET",
        "additionalValue": "Mobile Wallet",
        "additionalInfo": "Load your Beyond Bank Visa Debit card to your phone to make fast and easy transactions.",
        "additionalInfoUri": "https://www.beyondbank.com.au/bank-and-save/switch-to-beyond-bank/mobile-wallet/"
      },
      {
        "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": "OTHER",
        "additionalInfo": "Product no longer available as a new account.",
        "additionalInfoUri": "https://www.beyondbank.com.au/personal-loans/line-of-credit/"
      }
    ],
    "fees": [
      {
        "name": "Bank@Post Deposit Fee",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "2.00"
        },
        "currency": "AUD",
        "additionalInfo": "This fee is payable for Bank@Post deposits made at participating Australia Post Offices."
      },
      {
        "name": "Bank@Post Withdrawal Fee",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "4.50"
        },
        "currency": "AUD",
        "additionalInfo": "This fee is payable for Bank@Post withdrawals made at participating Australia Post Offices."
      },
      {
        "name": "Cash Advance/Overseas ATM Fee",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "4.50"
        },
        "currency": "AUD",
        "additionalInfo": "This fee is payable for each visa debit card overseas ATM withdrawal."
      },
      {
        "name": "Honour Overdrawn Account Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "11.00"
        },
        "currency": "AUD",
        "additionalInfo": "This fee is payable whenever you overdraw your account by $50.00 or more."
      },
      {
        "name": "Line of Credit Approval / Variation Fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "195.00"
        },
        "currency": "AUD",
        "additionalInfo": "Product no longer available for new accounts - no variations can be made to existing line of credits.",
        "discounts": [
          {
            "description": "No Line of Credit Approval/Variation Fee - Life Members",
            "discountType": "ELIGIBILITY_ONLY",
            "discountMethodUType": "fixedAmount",
            "fixedAmount": {
              "amount": "195.00"
            },
            "eligibility": [
              {
                "discountEligibilityType": "OTHER",
                "additionalInfo": "This fee is waived for Life Members."
              }
            ]
          }
        ]
      },
      {
        "name": "Default Notice Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "currency": "AUD",
        "additionalInfo": "This fee is payable whenever we send you a default notice because you have defaulted under the contract."
      },
      {
        "name": "Default Fee on Line of Credit",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "25.00"
        },
        "currency": "AUD",
        "additionalInfo": "This fee is payable on the 15th day of every month whilst you are in default."
      }
    ],
    "depositRates": [
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0001",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P6M",
        "tiers": [
          {
            "name": "Floating Balance Tier 1",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "0.00",
            "maximumValue": "1999.99",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalInfo": "Interest paid six monthly on 31 May and 30 November on deposit balances."
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0001",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P6M",
        "tiers": [
          {
            "name": "Floating Balance Tier 2",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "2000.00",
            "maximumValue": "4999.99",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalInfo": "Interest paid six monthly on 31 May and 30 November on deposit balances."
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0001",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P6M",
        "tiers": [
          {
            "name": "Floating Balance Tier 3",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "5000.00",
            "maximumValue": "9999.99",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalInfo": "Interest paid six monthly on 31 May and 30 November on deposit balances."
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0001",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P6M",
        "tiers": [
          {
            "name": "Floating Balance Tier 4",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "10000.00",
            "maximumValue": "19999.99",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalInfo": "Interest paid six monthly on 31 May and 30 November on deposit balances."
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0001",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P6M",
        "tiers": [
          {
            "name": "Floating Balance Tier 5",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "20000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalInfo": "Interest paid six monthly on 31 May and 30 November on deposit balances."
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.1449",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "UNCONSTRAINED",
        "additionalInfo": "Unsecured Line of Credit, variable rate. Interest calculated only on the credit amount you use. Conditions apply. Product no longer available for new accounts.",
        "additionalInfoUri": "https://www.beyondbank.com.au/interest-rates/personal-loans/"
      }
    ]
  }
}