{
  "snapshot_at": "2026-11-13T01:41:31Z",
  "brand": "Darling Downs Bank",
  "brand_slug": "darling-downs-bank",
  "product_id": "S8",
  "cdr_url": "https://ibanking.ddbank.com.au/OpenBanking/cds-au/v1/banking/products/S8",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://ibanking.ddbank.com.au/OpenBanking/cds-au/v1/banking/products/S8'",
  "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": "OTHER",
        "additionalInfo": "Passbook Access"
      },
      {
        "featureType": "CARD_ACCESS",
        "additionalInfo": "Visa Debit Card Access"
      },
      {
        "featureType": "ADDITIONAL_CARDS",
        "additionalInfo": "Additional Visa Debit Cards Available"
      },
      {
        "featureType": "UNLIMITED_TXNS",
        "additionalInfo": "Unlimited branch transactions"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalInfo": "Apple Pay and Google Pay enabled"
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Internet banking & WCU Connect App"
      },
      {
        "featureType": "NPP_PAYID",
        "additionalInfo": "Osko PayID supported"
      },
      {
        "featureType": "NPP_ENABLED",
        "additionalInfo": "Osko PayID or BSB and Account Number supported"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalInfo": "Individuals must be citizens or permanent residents of Australia."
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Must be a member of the Credit Union"
      }
    ],
    "fees": [
      {
        "name": "ATM_TRANSACTION_FEE_BALANCE_ENQUIRY",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "1.50"
        },
        "currency": "AUD",
        "additionalInfo": "ATM Fees are debited to the account with which the card is linked as part of end of day processing"
      },
      {
        "name": "ATM_TRANSACTION_FEE_OTHER_ATM_WITHDRAWALS",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "1.50"
        },
        "currency": "AUD",
        "additionalInfo": "ATM Fees are debited to the account with which the card is linked as part of end of day processing"
      },
      {
        "name": "EXCESS_DRAWINGS_FEE",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "currency": "AUD",
        "additionalInfo": "When funds are transferred to cover drawings without customer established instructions"
      },
      {
        "name": "MEMBERSHIP_FEE",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "currency": "AUD",
        "additionalInfo": "Charged when becoming a customer of WCU"
      },
      {
        "name": "OVERSEAS_TRANSACTION_FEE",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "4.00"
        },
        "currency": "AUD",
        "additionalInfo": "Fee applied by WCU when a withdrawal is made at an ATM overseas (including VISA access card cash advances)"
      },
      {
        "name": "PERIODIC_PAYMENT_FEE_BRANCH_ACTIONED",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "6.50"
        },
        "currency": "AUD",
        "additionalInfo": "Transfers to a non-WCU Account.  WCU to WCU are free"
      },
      {
        "name": "PHONE_ASSISTED_TRANSFERS",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "2.50"
        },
        "currency": "AUD",
        "additionalInfo": "Only charged when staff assistance is required to transfer funds over the phone"
      },
      {
        "name": "STATEMENT_FEE",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "2.00"
        },
        "currency": "AUD",
        "additionalInfo": "When paper statements are requested - charged on statement cycle"
      },
      {
        "name": "VISA_DEBIT_CARD_REPLACEMENT",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "12.00"
        },
        "currency": "AUD",
        "additionalInfo": "Charged unless proven compromised or stolen"
      }
    ],
    "depositRates": [
      {
        "depositRateType": "VARIABLE",
        "rate": "0.009",
        "calculationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P3M"
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.2026",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "repaymentType": "OTHER",
        "loanPurpose": "OTHER"
      }
    ],
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "productId": "S8",
    "lastUpdated": "2026-11-13T10:00:22.000+10:00",
    "name": "SMART SAVERS",
    "description": "SMART SAVERS",
    "brand": "WARWICK CREDIT UNION",
    "brandName": "WARWICK CREDIT UNION",
    "isTailored": false,
    "additionalInformation": {}
  }
}