{
  "snapshot_at": "2026-10-23T23:01:54Z",
  "brand": "Cairns bank",
  "brand_slug": "cairns-bank",
  "product_id": "S5",
  "cdr_url": "https://openbanking.cairnsbank.com.au/OpenBanking/cds-au/v1/banking/products/S5",
  "x_v": 6,
  "how_to_fetch": "curl -H 'x-v: 6' 'https://openbanking.cairnsbank.com.au/OpenBanking/cds-au/v1/banking/products/S5'",
  "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"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Cheque book access"
      }
    ],
    "constraints": [
      {
        "constraintType": "OPENING_BALANCE",
        "additionalInfo": "Min deposit $500 with cheque book access",
        "additionalInfoUri": "https://cairnsbank.com.au/information-and-support/disclosure/"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "PENSION_RECIPIENT",
        "additionalInfo": "Recipents of Age and Disability Pensions",
        "additionalInfoUri": "https://cairnsbank.com.au/information-and-support/disclosure/"
      }
    ],
    "depositRates": [
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0005",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P12M",
        "tiers": [
          {
            "name": "Pensioner Account_Tier_1",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "0.00",
            "maximumValue": "10000.00",
            "rateApplicationMethod": "PER_TIER"
          }
        ],
        "additionalInfoUri": "https://cairnsbank.com.au/banking/rates/"
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.017",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P12M",
        "tiers": [
          {
            "name": "Pensioner Account_Tier_2",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "10000.01",
            "maximumValue": "50000.00",
            "rateApplicationMethod": "PER_TIER"
          }
        ],
        "additionalInfoUri": "https://cairnsbank.com.au/banking/rates/"
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.03",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P12M",
        "tiers": [
          {
            "name": "Pensioner Account_Tier_3",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "50000.01",
            "rateApplicationMethod": "PER_TIER"
          }
        ],
        "additionalInfoUri": "https://cairnsbank.com.au/banking/rates/"
      }
    ],
    "productId": "S5",
    "lastUpdated": "2026-10-23T10:49:28.000+10:00",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "name": "Pensioner Account",
    "description": "A full transaction account designed for recipients of aged or disability pensions",
    "brand": "CAIRNS PENNY SAVINGS LOANS LTD",
    "brandName": "Cairns Bank",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://cairnsbank.com.au/banking/transaction-accounts/pensioner-account/",
      "termsUri": "https://cairnsbank.com.au/information-and-support/disclosure/",
      "eligibilityUri": "https://cairnsbank.com.au/information-and-support/disclosure/",
      "feesAndPricingUri": "https://cairnsbank.com.au/information-and-support/disclosure/fees-and-charges/"
    }
  }
}