{
  "snapshot_at": "2026-10-22T13:24:37Z",
  "brand": "Cairns bank",
  "brand_slug": "cairns-bank",
  "product_id": "S21",
  "cdr_url": "https://openbanking.cairnsbank.com.au/OpenBanking/cds-au/v1/banking/products/S21",
  "x_v": 6,
  "how_to_fetch": "curl -H 'x-v: 6' 'https://openbanking.cairnsbank.com.au/OpenBanking/cds-au/v1/banking/products/S21'",
  "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": {
    "features": [
      {
        "featureType": "CARD_ACCESS"
      },
      {
        "featureType": "DIGITAL_BANKING"
      }
    ],
    "constraints": [
      {
        "constraintType": "OPENING_BALANCE",
        "additionalInfoUri": "https://cairnsbank.com.au/information-and-support/disclosure/"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "NATURAL_PERSON"
      }
    ],
    "fees": [
      {
        "name": "DIRECT_DEBITS_AND_EXTERNAL_TRANSFERS",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "1.00"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://cairnsbank.com.au/information-and-support/disclosure/fees-and-charges"
      },
      {
        "name": "ATM_TRANSACTIONS",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "1.00"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://cairnsbank.com.au/information-and-support/disclosure/fees-and-charges"
      },
      {
        "name": "VISA_DEBIT_CARD",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "30.00"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://cairnsbank.com.au/information-and-support/disclosure/fees-and-charges"
      }
    ],
    "depositRates": [
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P3M"
      }
    ],
    "productId": "S21",
    "lastUpdated": "2025-07-03T09:16:59.000+10:00",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "name": "Everyday transaction account",
    "description": "A day to day transaction account for personal use",
    "brand": "CAIRNS PENNY SAVINGS LOANS LTD",
    "brandName": "Cairns Bank",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://cairnsbank.com.au/banking/transaction-accounts/everyday-account/",
      "termsUri": "https://cairnsbank.com.au/information-and-support/disclosure//",
      "feesAndPricingUri": "https://cairnsbank.com.au/information-and-support/disclosure/fees-and-charges/"
    }
  }
}