{
  "snapshot_at": "2026-10-22T13:24:46Z",
  "brand": "Defence Bank",
  "brand_slug": "defence-bank",
  "product_id": "117",
  "cdr_url": "https://product.defencebank.com.au/cds-au/v1/banking/products/117",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://product.defencebank.com.au/cds-au/v1/banking/products/117'",
  "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": {
    "productId": "117",
    "effectiveFrom": "2026-04-01T00:00:00.000+11:00",
    "effectiveTo": "2029-12-31T00:00:00.000+11:00",
    "lastUpdated": "2026-07-08T00:00:00.000+10:00",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "name": "iSaver",
    "description": "An introductory bonus rate on new accounts for the first six months up to $250,000.",
    "brand": "Defence Bank",
    "brandName": "Defence Bank Limited",
    "applicationUri": "https://join.defencebank.com.au",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.defencebank.com.au/banking/savings-accounts/isaver/",
      "termsUri": "https://www.defencebank.com.au/tools-and-advice/legal-and-compliance/disclosure-documents/",
      "eligibilityUri": "https://www.defencebank.com.au/banking/savings-accounts/isaver/",
      "feesAndPricingUri": "https://www.defencebank.com.au/banking/savings-accounts/isaver/",
      "additionalOverviewUris": [],
      "additionalTermsUris": [],
      "additionalEligibilityUris": [],
      "additionalFeesAndPricingUris": [],
      "additionalBundleUris": []
    },
    "cardArt": [],
    "bundles": [],
    "features": [
      {
        "featureType": "BONUS_REWARDS",
        "additionalValue": "High 6 month introductory bonus interest rate on new accounts.",
        "additionalInfoUri": "https://www.defencebank.com.au/banking/savings-accounts/isaver/"
      },
      {
        "featureType": "FREE_TXNS",
        "additionalValue": "No monthly account-keeping fees.",
        "additionalInfoUri": "https://www.defencebank.com.au/banking/savings-accounts/isaver/"
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalValue": "Access via our award-winning banking app, Online Banking and telephone banking only.",
        "additionalInfoUri": "https://www.defencebank.com.au/banking/savings-accounts/isaver/"
      },
      {
        "featureType": "BILL_PAYMENT",
        "additionalInfo": "B Pay",
        "additionalInfoUri": "https://www.defencebank.com.au/banking/savings-accounts/isaver/"
      },
      {
        "featureType": "NPP_ENABLED",
        "additionalValue": "Faster, Simper ways to make payments",
        "additionalInfoUri": "https://www.defencebank.com.au/banking/savings-accounts/isaver/"
      },
      {
        "featureType": "NPP_PAYID",
        "additionalInfoUri": "https://www.defencebank.com.au/banking/savings-accounts/isaver/"
      }
    ],
    "constraints": [
      {
        "constraintType": "MAX_BALANCE",
        "additionalValue": "250000.00",
        "additionalInfo": "With its high bonus rate on new accounts for the first six months up to $250,000, our iSaver offers the highest savings rate at Defence Bank.",
        "additionalInfoUri": "https://www.defencebank.com.au/banking/savings-accounts/isaver/"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "One iSaver per member, including Joint accounts. New accounts do not include funds previously invested with Defence Bank.",
        "additionalInfoUri": "https://www.defencebank.com.au/banking/savings-accounts/isaver/"
      }
    ],
    "fees": [
      {
        "name": "BPAY",
        "feeType": "EVENT",
        "additionalInfo": "We don't charge a fee for BPAY",
        "additionalInfoUri": "https://www.defencebank.com.au/globalassets/documents/fees--charges/defence-bank-fees-and-charges-schedule.pdf",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "discounts": []
      },
      {
        "name": "Pay anyone using a BSB and account or PayID",
        "feeType": "EVENT",
        "additionalInfo": "We don't charge a fee for Pay anyone using a BSB and account number or PAYID",
        "additionalInfoUri": "https://www.defencebank.com.au/globalassets/documents/fees--charges/defence-bank-fees-and-charges-schedule.pdf",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "discounts": []
      },
      {
        "name": "Same day transfers (via Swift/RTGS) - Inward",
        "feeType": "EVENT",
        "additionalInfo": "Charged when funds transferred via Swift/RTGS (same day).",
        "additionalInfoUri": "https://www.defencebank.com.au/globalassets/documents/fees--charges/defence-bank-fees-and-charges-schedule.pdf",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "6.80"
        },
        "discounts": []
      },
      {
        "name": "Same day transfers (via Swift/RTGS) - Outward",
        "feeType": "EVENT",
        "additionalInfo": "Charged when funds transferred via Swift/RTGS (same day).",
        "additionalInfoUri": "https://www.defencebank.com.au/globalassets/documents/fees--charges/defence-bank-fees-and-charges-schedule.pdf",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "11.80"
        },
        "discounts": []
      },
      {
        "name": "Record search fee",
        "feeType": "EVENT",
        "additionalInfo": "Charged where you request we search our records and retrieve documents.",
        "additionalInfoUri": "https://www.defencebank.com.au/globalassets/documents/fees--charges/defence-bank-fees-and-charges-schedule.pdf",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "50.00"
        },
        "discounts": []
      },
      {
        "name": "Dormant fee",
        "feeType": "EVENT",
        "additionalInfo": "This fee may be charged in certain circumstances when your membership is redeemed by us due to non-activity of more than 12 months.",
        "additionalInfoUri": "https://www.defencebank.com.au/globalassets/documents/fees--charges/defence-bank-fees-and-charges-schedule.pdf",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "discounts": []
      },
      {
        "name": "Ultimate Package annual fee",
        "feeType": "PERIODIC",
        "additionalValue": "P1Y",
        "additionalInfo": "Package related to a home loan Ultimate Package.",
        "additionalInfoUri": "https://www.defencebank.com.au/globalassets/documents/fees--charges/defence-bank-fees-and-charges-schedule.pdf",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "96.00"
        },
        "discounts": []
      },
      {
        "name": "Dishonours (if insufficient funds)",
        "feeType": "EVENT",
        "additionalInfo": "We don't charge a fee for dishonours",
        "additionalInfoUri": "https://www.defencebank.com.au/globalassets/documents/fees--charges/defence-bank-fees-and-charges-schedule.pdf",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "discounts": []
      },
      {
        "name": "EFTPOS transactions",
        "feeType": "EVENT",
        "additionalInfo": "We don't charge a fee for EFTPOS transactions",
        "additionalInfoUri": "https://www.defencebank.com.au/globalassets/documents/fees--charges/defence-bank-fees-and-charges-schedule.pdf",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "discounts": []
      },
      {
        "name": "PayTo",
        "feeType": "EVENT",
        "additionalInfo": "We don't charge a fee for PayTo",
        "additionalInfoUri": "https://www.defencebank.com.au/globalassets/documents/fees--charges/defence-bank-fees-and-charges-schedule.pdf",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "discounts": []
      },
      {
        "name": "Internal transfers between Defence Bank accounts",
        "feeType": "EVENT",
        "additionalInfo": "We don't charge a fee for Internal transfers between Defence Bank accounts",
        "additionalInfoUri": "https://www.defencebank.com.au/globalassets/documents/fees--charges/defence-bank-fees-and-charges-schedule.pdf",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "discounts": []
      },
      {
        "name": "Monthly account-keeping fee",
        "feeType": "PERIODIC",
        "additionalInfo": "We don't charge a monthly account-keeping fee",
        "additionalInfoUri": "https://www.defencebank.com.au/globalassets/documents/fees--charges/defence-bank-fees-and-charges-schedule.pdf",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "discounts": []
      }
    ],
    "depositRates": [
      {
        "depositRateType": "VARIABLE",
        "rate": "0.005",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [],
        "additionalValue": "Standard",
        "additionalInfo": "Interest is calculated daily on the closing balance and credited on the last day of each month.",
        "additionalInfoUri": "https://www.defencebank.com.au/banking/savings-accounts/isaver/"
      },
      {
        "depositRateType": "BONUS",
        "rate": "0.0525",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [],
        "additionalValue": "Bonus rate on new accounts for the first six months up to $250,000",
        "additionalInfo": "Interest is calculated daily on the closing balance and credited on the last day of each month.",
        "additionalInfoUri": "https://www.defencebank.com.au/banking/savings-accounts/isaver/"
      }
    ],
    "lendingRates": []
  }
}