{
  "snapshot_at": "2026-10-31T23:12:34Z",
  "brand": "Border Bank",
  "brand_slug": "border-bank",
  "product_id": "5c91aaf2-d9fa-4d4e-8f86-f7ee573f1900",
  "cdr_url": "https://public.cdr.prd.borderbank.com.au/cds-au/v1/banking/products/5c91aaf2-d9fa-4d4e-8f86-f7ee573f1900",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://public.cdr.prd.borderbank.com.au/cds-au/v1/banking/products/5c91aaf2-d9fa-4d4e-8f86-f7ee573f1900'",
  "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": {
    "brand": "Border Bank",
    "description": "This is a special purpose children’s savings account created to enable children to earn extra interest if they do not withdraw funds. Funds are available at call.\nYou can use Internet on the account",
    "isTailored": false,
    "lastUpdated": "2026-10-31T13:01:24.438Z",
    "name": "Dynamo/Flex Account",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "productId": "5c91aaf2-d9fa-4d4e-8f86-f7ee573f1900",
    "additionalInformation": {
      "overviewUri": "https://www.borderbank.com.au/forms/dynamo-and-flex",
      "termsUri": "https://www.borderbank.com.au/important-documents",
      "eligibilityUri": "https://cdn.mediavalet.com/aunsw/policebank/X7cmVTE99UmQlmqI_TxHWA/rHFBiv2rYEC9Q2_BYjh-LQ/Original/BBS24_Dynamo-Flex-Account-TMD.pdf",
      "feesAndPricingUri": "https://www.borderbank.com.au/wp-content/uploads/2023/07/Schedule_of_fees_and_charges.pdf",
      "bundleUri": null,
      "additionalOverviewUris": null,
      "additionalTermsUris": null,
      "additionalEligibilityUris": null,
      "additionalFeesAndPricingUris": null,
      "additionalBundleUris": null
    },
    "applicationUri": "https://www.borderbank.com.au/forms/dynamo-and-flex",
    "brandName": null,
    "brandGroup": null,
    "cardArt": null,
    "effectiveFrom": "2020-09-24T02:02:00Z",
    "effectiveTo": null,
    "bundles": null,
    "constraints": null,
    "depositRates": [
      {
        "depositRateType": "VARIABLE",
        "rate": "0",
        "additionalInfo": "Balance $50,000 or more Interest payable is capped to a maximum deposit amount of $49,999.99",
        "additionalInfoUri": "https://www.borderbank.com.au/interest-rates/#",
        "additionalValue": null,
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "tiers": [
          {
            "name": "S24 T2",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "50000.00",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Balance greater than $50,000.00"
          }
        ],
        "applicationType": "PERIODIC",
        "applicabilityConditions": null
      },
      {
        "depositRateType": "BONUS",
        "rate": "0.025",
        "additionalInfo": null,
        "additionalInfoUri": "https://www.borderbank.com.au/interest-rates/#",
        "additionalValue": "Whole Balance Monthly. Bonus Interest rate applies if no withdrawals and a minimum deposit of $20 are made within a month",
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "tiers": null,
        "applicationType": "PERIODIC",
        "applicabilityConditions": [
          {
            "additionalInfo": null,
            "additionalInfoUri": null,
            "rateApplicabilityType": "MAX_WITHDRAWALS",
            "additionalValue": "0"
          },
          {
            "additionalInfo": null,
            "additionalInfoUri": null,
            "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
            "additionalValue": "20.00"
          }
        ]
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.004",
        "additionalInfo": "Balance $0.00 to $49,999.99",
        "additionalInfoUri": "https://www.borderbank.com.au/interest-rates/#",
        "additionalValue": null,
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "tiers": [
          {
            "name": "S24 T1",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "0.00",
            "maximumValue": "50000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "applicationType": "PERIODIC",
        "applicabilityConditions": null
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "NATURAL_PERSON",
        "additionalInfo": "Individuals",
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "Australian Citizen"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "Australian Residents"
      },
      {
        "eligibilityType": "MAX_AGE",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "18"
      },
      {
        "eligibilityType": "MIN_AGE",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "0"
      }
    ],
    "features": [
      {
        "featureType": "OTHER",
        "additionalInfo": "Direct Credits. Make regular credits like your pay into this account",
        "additionalInfoUri": "https://www.borderbank.com.au/wp-content/uploads/2023/07/financial_services_guide_BB.pdf",
        "additionalValue": null
      },
      {
        "featureType": "NPP_ENABLED",
        "additionalInfo": " NPP allows participating banks and financial institutions to process, clear and settle Osko® Fast Payments (which are payments made and received in near real-time) and NPP Quick Payments. ",
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Internet banking. You can check your account details or make transfers anytime or anywhere using our online with Internet Banking – service is free.",
        "additionalInfoUri": "https://www.borderbank.com.au/wp-content/uploads/2023/07/financial_services_guide_BB.pdf",
        "additionalValue": null
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Contributes to Reduced Fees Program. Simply maintain a combined monthly balance of $5000 or more worth of savings, investments or loans and you will receive more fee free ATM and EFTPOS transactions as well as qualify for fee rebates.",
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "featureType": "NPP_PAYID",
        "additionalInfo": "Mobile Number. Select the Contact Method that you would like to use for your PayID i.e. your mobile number or email address.",
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Bonus Interest Rate available. Minimum of $20 to be deposited each month in order to achieve bonus interest. If a withdrawal is made in a month then no bonus interest will be paid. ",
        "additionalInfoUri": "https://www.borderbank.com.au/wp-content/uploads/2023/07/financial_services_guide_BB.pdf",
        "additionalValue": null
      },
      {
        "featureType": "NPP_PAYID",
        "additionalInfo": "Email Address. Select the Contact Method that you would like to use for your PayID i.e. your mobile number or email address.",
        "additionalInfoUri": null,
        "additionalValue": null
      }
    ],
    "fees": [
      {
        "feeType": "EVENT",
        "name": "Overdrawn Savings Account Fee",
        "additionalInfo": "Payable when any Savings Account is overdrawn by $75 or more within a calendar month\r\nInterest will also be charged at the then current Overdraft interest rate",
        "additionalInfoUri": "https://www.borderbank.com.au/wp-content/uploads/2023/07/Schedule_of_fees_and_charges.pdf",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "15.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "TRANSACTION",
        "name": "Counter Cash withdrawal fee up to $24,999",
        "additionalInfo": "First 3 free if part of Reduced Fees program",
        "additionalInfoUri": "https://www.borderbank.com.au/wp-content/uploads/2023/07/Schedule_of_fees_and_charges.pdf",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "2.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Dormant Accounts fee",
        "additionalInfo": "After 3 years an account is classed as dormant if no Member transactions occur. Interest, fees\r\nand government charges are not classed as transactions.",
        "additionalInfoUri": "https://www.borderbank.com.au/wp-content/uploads/2023/07/Schedule_of_fees_and_charges.pdf",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Additional Statement Fee",
        "additionalInfo": "$1.50 per page. Payable if and when you request an additional statement.",
        "additionalInfoUri": "https://www.borderbank.com.au/wp-content/uploads/2023/07/Schedule_of_fees_and_charges.pdf",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "TRANSACTION",
        "name": "Counter Cash withdrawal $25,000 and over",
        "additionalInfo": "Per cash withdrawal $25,000 or over",
        "additionalInfoUri": "https://www.borderbank.com.au/wp-content/uploads/2023/07/Schedule_of_fees_and_charges.pdf",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "50.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Third Party Costs",
        "additionalInfo": "At Cost. Any costs charged to us from a third party will be passed on to you. Information on these costs is\navailable on request.",
        "additionalInfoUri": "https://www.borderbank.com.au/wp-content/uploads/2023/07/Schedule_of_fees_and_charges.pdf",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Default Notice Fee",
        "additionalInfo": "Payable if and when we send you a default notice for an overdrawn account where an arrears remains\r\nunremedied after we have sent you an arrears letter ",
        "additionalInfoUri": "https://www.borderbank.com.au/wp-content/uploads/2023/07/Schedule_of_fees_and_charges.pdf",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "21.50"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Document Retrieval Fee",
        "additionalInfo": "Minimum $22.77 per hour retrieval fee and minimum $30 per hour administrative fee. Payable on request for documents to be retrieved",
        "additionalInfoUri": "https://www.borderbank.com.au/wp-content/uploads/2023/07/Schedule_of_fees_and_charges.pdf",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.1196",
        "additionalInfo": "May be applicable if your account becomes overdrawn",
        "additionalInfoUri": "https://www.borderbank.com.au/wp-content/uploads/2023/07/financial_services_guide_BB.pdf",
        "additionalValue": null,
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "comparisonRate": null,
        "interestPaymentDue": "IN_ARREARS",
        "loanPurpose": "OTHER",
        "repaymentType": "OTHER",
        "tiers": null,
        "applicabilityConditions": null,
        "applicationType": "PERIODIC"
      }
    ],
    "instalments": null
  }
}