{
  "snapshot_at": "2026-11-13T01:41:27Z",
  "brand": "CommBank",
  "brand_slug": "commbank",
  "product_id": "7aff9e0e85e6450eb052d4ff2e953223",
  "cdr_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/7aff9e0e85e6450eb052d4ff2e953223",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://api.commbank.com.au/public/cds-au/v1/banking/products/7aff9e0e85e6450eb052d4ff2e953223'",
  "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": "BILL_PAYMENT",
        "additionalValue": "BPAY View",
        "additionalInfo": "With BPAY View you can switch to online bills & ask billers to send them directly to the CommBank app or NetBank.",
        "additionalInfoUri": "https://www.commbank.com.au/digital-banking/bpay-view.html"
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Wherever you are in the world, CommBank gives you the choice and control to securely manage all of your accounts on a range of devices, the way you want.",
        "additionalInfoUri": "https://www.commbank.com.au/digital-banking.html"
      },
      {
        "featureType": "NPP_ENABLED",
        "additionalInfo": "Enjoy fast, secure payments anytime with PayID.",
        "additionalInfoUri": "https://www.commbank.com.au/digital-banking/pay-id.html"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Free assisted withdrawal is available for you to take money out at a Commonwealth Bank branch, or with telephone banking if using an operator."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Use QR Cardless to withdraw cash or deposit notes, coins and cheques (subject to product eligibility) by using the latest version of the CommBank app to scan a QR code at a compatible CommBank ATM.",
        "additionalInfoUri": "https://www.commbank.com.au/digital-banking/qr-cardless.html"
      },
      {
        "featureType": "UNLIMITED_TXNS",
        "additionalInfo": "Unlimited CommBank electronic transactions.",
        "additionalInfoUri": "https://www.commbank.com.au/banking/youthsaver.html"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "MAX_AGE",
        "additionalValue": "17",
        "additionalInfo": "This account is for anyone under the age of 18 years of age. For children 13 years or under, a parent or legal guardian will need to open the account."
      },
      {
        "eligibilityType": "NATURAL_PERSON",
        "additionalInfo": "Accounts must be in the child's name only and are unable to be opened as a trust."
      }
    ],
    "fees": [
      {
        "name": "Paper Transaction Listing Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "2.50"
        },
        "currency": "AUD",
        "additionalInfo": "A fee charged when you ask us to give you a paper copy of transaction listings."
      },
      {
        "name": "Account Fee",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD",
        "additionalValue": "P1M"
      },
      {
        "name": "Paper Statement Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD",
        "additionalInfo": "A fee charged when you ask us to give you a paper copy of past statements or ordered statements.",
        "additionalInfoUri": "https://www.commbank.com.au/banking/youthsaver.html"
      },
      {
        "name": "Assisted withdrawal fee",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://www.commbank.com.au/banking/youthsaver.html"
      }
    ],
    "depositRates": [
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0255",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalInfo": "For the portion of the balance over $50,000 and/or if the bonus criteria is not met the standard rate will apply.",
        "additionalInfoUri": "https://www.commbank.com.au/content/dam/commbank/personal/apply-online/download-printed-forms/TSI_interest_rates.pdf"
      },
      {
        "depositRateType": "BONUS",
        "rate": "0",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "Amount",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "50000.01",
            "rateApplicationMethod": "PER_TIER"
          }
        ],
        "additionalValue": "With a Youthsaver, you can earn bonus interest on balances up to $50,000 when you grow your savings balance each calendar month (this excludes interest and bank initiated transactions).",
        "additionalInfoUri": "https://www.commbank.com.au/content/dam/commbank/personal/apply-online/download-printed-forms/TSI_interest_rates.pdf"
      },
      {
        "depositRateType": "BONUS",
        "rate": "0.03",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "Amount",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "0.00",
            "maximumValue": "50000.00",
            "rateApplicationMethod": "PER_TIER"
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "MIN_DEPOSITS",
            "additionalValue": "1",
            "additionalInfo": "We pay bonus interest on top of the standard variable credit interest rate on credit balances if you make at least one deposit each calendar month into your account."
          },
          {
            "rateApplicabilityType": "DEPOSIT_BALANCE_INCREASED",
            "additionalValue": "0.01",
            "additionalInfo": "We pay bonus interest on top of the standard variable credit interest rate on credit balances if you have a higher account balance at the end of the month compared to the account balance at the start of the month (excluding interest and bank-initiated transactions)."
          }
        ],
        "additionalValue": "With a Youthsaver, you can earn bonus interest on balances up to $50,000 when you grow your savings balance each calendar month (this excludes interest and bank initiated transactions).",
        "additionalInfoUri": "https://www.commbank.com.au/content/dam/commbank/personal/apply-online/download-printed-forms/TSI_interest_rates.pdf"
      }
    ],
    "productId": "7aff9e0e85e6450eb052d4ff2e953223",
    "lastUpdated": "2026-11-13T11:36:58.000Z",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "name": "Youthsaver Account",
    "description": "Designed to help teach saving skills to under 18s, our Youthsaver account offers bonus interest for reaching saving goals.",
    "brand": "CBA",
    "brandName": "CommBank",
    "applicationUri": "https://www.commbank.com.au/banking/youthsaver.html#apply",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.commbank.com.au/banking/youthsaver.html",
      "termsUri": "https://www.commbank.com.au/content/dam/commbank/personal/apply-online/download-printed-forms/SavingsInvestment_ADB2852.pdf",
      "eligibilityUri": "https://www.commbank.com.au/banking/youthsaver.html#apply",
      "feesAndPricingUri": "https://www.commbank.com.au/banking/youthsaver.html#rates"
    }
  }
}