{
  "snapshot_at": "2026-10-22T13:24:32Z",
  "brand": "BOQ Specialist",
  "brand_slug": "boq-specialist",
  "product_id": "0c186288-5c03-ee11-8f6e-00224814dce7",
  "cdr_url": "https://api.cds.boqspecialist.com.au/cds-au/v1/banking/products/0c186288-5c03-ee11-8f6e-00224814dce7",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://api.cds.boqspecialist.com.au/cds-au/v1/banking/products/0c186288-5c03-ee11-8f6e-00224814dce7'",
  "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": "0c186288-5c03-ee11-8f6e-00224814dce7",
    "lastUpdated": "2026-10-21T04:46:57Z",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "name": "32 Day Notice Account",
    "description": "If you need more frequent access to your savings, our notice account features a competitive interest rate, that is calculated on the daily closing credit balance of your account and paid monthly, and gives you access to your money after providing 32 days’ notice. A good choice for you if you are saving for a goal such as a deposit on a house, new car or holiday, you would like to make regular deposits to your savings, and if you prefer a variable interest rate.",
    "brand": "BOQS",
    "brandName": "BOQ Specialist",
    "applicationUri": "https://www.boqspecialist.com.au/forms/32-day-notice-account",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.boqspecialist.com.au/personal-banking/savings-accounts/notice-account",
      "termsUri": "https://www.boqspecialist.com.au/content/dam/boq-specialist/files/products/bank-accounts/one-account/terms-and-conditions/BOQS001377-Transaction-and-savings-accounts-overdraft-facility-terms-and-conditions.pdf",
      "eligibilityUri": "https://www.boqspecialist.com.au/about",
      "feesAndPricingUri": "https://www.boqspecialist.com.au/content/dam/boq-specialist/files/products/bank-accounts/one-account/terms-and-conditions/BOQS001377-Transaction-and-savings-accounts-overdraft-facility-terms-and-conditions.pdf"
    },
    "features": [
      {
        "featureType": "OTHER",
        "additionalInfo": "A savings account with funds available with 32 days prior notice",
        "additionalInfoUri": "https://www.boqspecialist.com.au/personal-banking/savings-accounts/notice-account"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Competitive interest rate on credit balances and no monthly account keeping fees",
        "additionalInfoUri": "https://www.boqspecialist.com.au/personal-banking/savings-accounts/notice-account"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Add funds to account at any time",
        "additionalInfoUri": "https://www.boqspecialist.com.au/personal-banking/savings-accounts/notice-account"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Interest calculated daily and paid monthly",
        "additionalInfoUri": "https://www.boqspecialist.com.au/personal-banking/savings-accounts/notice-account"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "No minimum balance requirements",
        "additionalInfoUri": "https://www.boqspecialist.com.au/personal-banking/savings-accounts/notice-account"
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Keep track of your investment by using online or mobile banking to keep tabs on your earnings.",
        "additionalInfoUri": "https://olb.boqspecialist.com.au/web/banking#sst"
      }
    ],
    "constraints": [
      {
        "constraintType": "OPENING_BALANCE",
        "additionalValue": "10000.0000000000",
        "additionalInfo": "While we have the discretion to determine deposit size, we usually accept a minimum deposit of  AUD 10,000.00",
        "additionalInfoUri": "https://www.boqspecialist.com.au/content/dam/boq-specialist/files/products/bank-accounts/one-account/terms-and-conditions/BOQS001377-Transaction-and-savings-accounts-overdraft-facility-terms-and-conditions.pdf"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "Resident or Citizen"
      },
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Product is offered to medical, dental, veterinary & accounting professionals only",
        "additionalInfoUri": "https://www.boqspecialist.com.au/about"
      }
    ],
    "fees": [
      {
        "name": "Overdrawn Account Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "15.0000"
        },
        "currency": "AUD",
        "additionalInfo": "Charged if we honour a transaction that overdraws your account",
        "additionalInfoUri": "https://www.boqspecialist.com.au/content/dam/boq-specialist/files/products/bank-accounts/one-account/terms-and-conditions/BOQS001377-Transaction-and-savings-accounts-overdraft-facility-terms-and-conditions.pdf"
      },
      {
        "name": "Bank Audit Certificate",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "30.0000"
        },
        "currency": "AUD",
        "additionalInfo": "Charged for each Bank Audit Certificate issued as part of an audit request",
        "additionalInfoUri": "https://www.boqspecialist.com.au/content/dam/boq-specialist/files/products/bank-accounts/one-account/terms-and-conditions/BOQS001377-Transaction-and-savings-accounts-overdraft-facility-terms-and-conditions.pdf"
      },
      {
        "name": "Bank Cheque Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.0000"
        },
        "currency": "AUD",
        "additionalInfo": "Charged for issuing a bank cheque",
        "additionalInfoUri": "https://www.boqspecialist.com.au/content/dam/boq-specialist/files/products/bank-accounts/one-account/terms-and-conditions/BOQS001377-Transaction-and-savings-accounts-overdraft-facility-terms-and-conditions.pdf"
      },
      {
        "name": "Optional Overdraft Facility Application Fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.0000"
        },
        "currency": "AUD",
        "additionalInfo": "If your Overdraft is approved and established, the Application Fee will be debited from your Account",
        "additionalInfoUri": "https://www.boqspecialist.com.au/content/dam/boq-specialist/files/products/bank-accounts/one-account/terms-and-conditions/BOQS001377-Transaction-and-savings-accounts-overdraft-facility-terms-and-conditions.pdf"
      },
      {
        "name": "Transaction Fee (overnight)",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.0000"
        },
        "currency": "AUD"
      },
      {
        "name": "Replacement of Online Banking security credential",
        "feeType": "REPLACEMENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "50.0000"
        },
        "currency": "AUD",
        "additionalInfo": "Charged for each replacement Online Banking security credential issued",
        "additionalInfoUri": "https://www.boqspecialist.com.au/content/dam/boq-specialist/files/products/bank-accounts/one-account/terms-and-conditions/BOQS001377-Transaction-and-savings-accounts-overdraft-facility-terms-and-conditions.pdf"
      },
      {
        "name": "Dishonour Fee",
        "feeType": "DISHONOUR",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "45.0000"
        },
        "currency": "AUD",
        "additionalInfo": "Charged if there is insufficient cleared funds available to cover the value of a direct debit being processed",
        "additionalInfoUri": "https://www.boqspecialist.com.au/content/dam/boq-specialist/files/products/bank-accounts/one-account/terms-and-conditions/BOQS001377-Transaction-and-savings-accounts-overdraft-facility-terms-and-conditions.pdf"
      },
      {
        "name": "Direct Debit Fee",
        "feeType": "PAYMENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.0000"
        },
        "currency": "AUD"
      },
      {
        "name": "Transaction Fee (international)",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "30.0000"
        },
        "currency": "AUD",
        "additionalInfo": "Payable when you transfer money to a Beneficiary with a bank account held at an overseas financial institution or Foreign Currency transfer to an australian financial institution.",
        "additionalInfoUri": "https://www.boqspecialist.com.au/content/dam/boq-specialist/files/products/bank-accounts/one-account/terms-and-conditions/BOQS001377-Transaction-and-savings-accounts-overdraft-facility-terms-and-conditions.pdf"
      },
      {
        "name": "Trace Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.0000"
        },
        "currency": "AUD",
        "additionalInfo": "Charged for each request to perform a trace on any transaction type",
        "additionalInfoUri": "https://www.boqspecialist.com.au/content/dam/boq-specialist/files/products/bank-accounts/one-account/terms-and-conditions/BOQS001377-Transaction-and-savings-accounts-overdraft-facility-terms-and-conditions.pdf"
      },
      {
        "name": "Account keeping Fee",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.0000"
        },
        "currency": "AUD",
        "additionalValue": "P12M"
      },
      {
        "name": "Duplicate and Interim Statement Fee",
        "feeType": "ENQUIRY",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.0000"
        },
        "currency": "AUD",
        "additionalInfo": "Charged for each Duplicate and Interim statement issued",
        "additionalInfoUri": "https://www.boqspecialist.com.au/content/dam/boq-specialist/files/products/bank-accounts/one-account/terms-and-conditions/BOQS001377-Transaction-and-savings-accounts-overdraft-facility-terms-and-conditions.pdf"
      },
      {
        "name": "Online Banking Security credential",
        "feeType": "REPLACEMENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.0000"
        },
        "currency": "AUD"
      }
    ],
    "depositRates": [
      {
        "rate": "0.0400000000000000",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalInfo": "Interest paid monthly",
        "additionalInfoUri": "https://www.boqspecialist.com.au/personal-banking/savings-accounts/interest-rates",
        "depositRateType": "VARIABLE"
      },
      {
        "rate": "0.0095000000000000",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P5M",
        "additionalInfo": "0.95% p.a. introductory bonus rate on the 32 Day Notice Account for eligible new-to-bank customers who open a new 32 Day Notice Account during the promotional period. Eligible accounts will receive a total introductory variable rate of 0.95% p.a. plus the standard base rate for the first five months from account opening. The offer is available until 30 November 2026, unless amended, suspended or withdrawn earlier.",
        "additionalInfoUri": "https://www.boqspecialist.com.au/personal-banking/savings-accounts/notice-account",
        "tiers": [
          {
            "additionalInfo": "0.95% p.a. introductory bonus rate on the 32 Day Notice Account for eligible new-to-bank customers who open a new 32 Day Notice Account during the promotional period. Eligible accounts will receive a total introductory variable rate of 0.95% p.a. plus the standard base rate for the first five months from account opening. The offer is available until 30 November 2026, unless amended, suspended or withdrawn earlier.",
            "additionalInfoUri": "https://www.boqspecialist.com.au/personal-banking/savings-accounts/notice-account",
            "name": "32 Day Notice Account Introductory Rate Offer",
            "unitOfMeasure": "MONTH",
            "minimumValue": "1",
            "maximumValue": "5",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "applicabilityConditions": [
              {
                "rateApplicabilityType": "NEW_CUSTOMER",
                "additionalInfoUri": "https://www.boqspecialist.com.au/personal-banking/savings-accounts/notice-account"
              }
            ]
          }
        ],
        "depositRateType": "INTRODUCTORY"
      }
    ]
  }
}