{
  "snapshot_at": "2026-11-10T03:13:36Z",
  "brand": "Cairns bank",
  "brand_slug": "cairns-bank",
  "product_id": "S7",
  "cdr_url": "https://openbanking.cairnsbank.com.au/OpenBanking/cds-au/v1/banking/products/S7",
  "x_v": 6,
  "how_to_fetch": "curl -H 'x-v: 6' 'https://openbanking.cairnsbank.com.au/OpenBanking/cds-au/v1/banking/products/S7'",
  "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": "DIGITAL_BANKING",
        "additionalInfo": "Restricted to transfer (by Internet Banking) to a nominated Cairns Bank transaction acount",
        "additionalInfoUri": "https://cairnsbank.com.au/information-and-support/disclosure/"
      }
    ],
    "depositRates": [
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "Online Saver account_Tier_1",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "0.00",
            "maximumValue": "1999.99",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalInfoUri": "https://cairnsbank.com.au/banking/rates/"
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.03",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "Online Saver account_Tier_2",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "2000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalInfoUri": "https://cairnsbank.com.au/banking/rates/"
      }
    ],
    "productId": "S7",
    "lastUpdated": "2026-10-23T10:47:39.000+10:00",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "name": "Online Saver account",
    "description": "An online only savings account attached to your transaction account",
    "brand": "CAIRNS PENNY SAVINGS LOANS LTD",
    "brandName": "Cairns Bank",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://cairnsbank.com.au/banking/savings-accounts/online-saver/",
      "termsUri": "https://cairnsbank.com.au/information-and-support/disclosure/",
      "feesAndPricingUri": "https://cairnsbank.com.au/information-and-support/disclosure/fees-and-charges/"
    }
  }
}