{
  "snapshot_at": "2026-10-31T23:12:39Z",
  "brand": "Central West CUL",
  "brand_slug": "central-west-cul",
  "product_id": "S12_Smart",
  "cdr_url": "https://ib.cwcu.com.au/openbanking/cds-au/v1/banking/products/S12_Smart",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://ib.cwcu.com.au/openbanking/cds-au/v1/banking/products/S12_Smart'",
  "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": "UNLIMITED_TXNS"
      },
      {
        "featureType": "CARD_ACCESS"
      },
      {
        "featureType": "DIGITAL_BANKING"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Apple, Samsung & Google pay"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Funds at call"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "Australian Residences only"
      },
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Must have a Smart or Premium Smart Home Loan"
      }
    ],
    "fees": [
      {
        "name": "DIRECT_DEBIT_REJECTION_FEE",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        },
        "currency": "AUD"
      },
      {
        "name": "DORMANT_ACCOUNT_FEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        },
        "currency": "AUD",
        "additionalInfo": "Charged after 2 years of inactivity"
      },
      {
        "name": "MONTHLY_VISA_CARD_FEE",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "2.00"
        },
        "currency": "AUD",
        "additionalValue": "Fee per card",
        "additionalInfo": "Fee is applicable to active cards only",
        "discounts": [
          {
            "description": "Relationship Balance",
            "discountType": "BALANCE",
            "discountMethodUType": "fixedAmount",
            "fixedAmount": {
              "amount": "50000.00"
            },
            "additionalValue": "Relationship Balance >$50,000"
          },
          {
            "description": "Under 16 years of age",
            "discountType": "ELIGIBILITY_ONLY",
            "discountMethodUType": "fixedAmount",
            "fixedAmount": {
              "amount": "2.50"
            }
          }
        ]
      },
      {
        "name": "OVERDRAFT_ESTABLISHMENT_FEE",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "150.00"
        },
        "currency": "AUD",
        "additionalInfo": "Only applicable when applying for an Overdraft facility"
      },
      {
        "name": "PAPER_STATEMENT_FEE",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "2.50"
        },
        "currency": "AUD",
        "additionalValue": "Charged when a paper statement is produced",
        "discounts": [
          {
            "description": "Under 16 years of age",
            "discountType": "ELIGIBILITY_ONLY",
            "discountMethodUType": "fixedAmount",
            "fixedAmount": {
              "amount": "2.50"
            }
          }
        ]
      },
      {
        "name": "OVERDRAWN_ACCOUNT_FEE",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        },
        "currency": "AUD"
      }
    ],
    "depositRates": [
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0125",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "S12 Smart_Tier_1",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "0.00",
            "maximumValue": "4999.99",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ]
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.013",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "S12 Smart_Tier_2",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "5000.00",
            "maximumValue": "9999.99",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ]
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.014",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "S12 Smart_Tier_3",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "10000.00",
            "maximumValue": "24999.99",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ]
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0145",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "S12 Smart_Tier_4",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "25000.00",
            "maximumValue": "49999.99",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ]
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.022",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "S12 Smart_Tier_5",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "50000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ]
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "repaymentType": "OTHER",
        "loanPurpose": "OTHER",
        "additionalInfo": "A overdraft facility is available on this account. Debit interest is charged every month"
      }
    ],
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "productId": "S12_Smart",
    "effectiveFrom": "2021-03-25T00:00:00.000+11:00",
    "lastUpdated": "2026-11-01T08:38:52.000+11:00",
    "name": "S12 Smart",
    "description": "For customers who have a Smart or Premium Smart Variable Rate Home Loan who require a transaction fee free account with the option of a overdraft account",
    "brand": "CENTRAL WEST CREDIT UNION LTD",
    "brandName": "CENTRAL WEST CREDIT UNION LTD",
    "applicationUri": "https://www.cwcu.com.au/lending/apply-for-a-loan",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.cwcu.com.au/savings/on-call-savings",
      "termsUri": "https://www.cwcu.com.au/disclosure-documents/conditions-of-use",
      "eligibilityUri": "https://www.cwcu.com.au/cwcu/media/Documents/Summary-of-Accounts-Availability-of-Access-December-20.pdf",
      "feesAndPricingUri": "%20https://www.cwcu.com.au/disclosure-documents/fees-and-charges",
      "bundleUri": "https://www.cwcu.com.au/lending/apply-for-a-loan"
    }
  }
}