{
  "snapshot_at": "2026-10-22T13:24:46Z",
  "brand": "Defence Bank",
  "brand_slug": "defence-bank",
  "product_id": "119",
  "cdr_url": "https://product.defencebank.com.au/cds-au/v1/banking/products/119",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://product.defencebank.com.au/cds-au/v1/banking/products/119'",
  "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": "119",
    "effectiveFrom": "2026-04-01T00:00:00.000+11:00",
    "effectiveTo": "2029-12-31T00:00:00.000+11:00",
    "lastUpdated": "2026-10-14T00:00:00.000+11:00",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "name": "Salute Account",
    "description": "Our Salute savings account rewards Australian Defence Force members who have been deployed, have reached 15 and 25 years of service or have transitioned with bonus interest for 12 months.",
    "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/salute-account/",
      "termsUri": "https://www.defencebank.com.au/tools-and-advice/legal-and-compliance/disclosure-documents/",
      "eligibilityUri": "https://www.defencebank.com.au/banking/savings-accounts/salute-account/",
      "feesAndPricingUri": "https://www.defencebank.com.au/banking/savings-accounts/salute-account/",
      "additionalOverviewUris": [],
      "additionalTermsUris": [],
      "additionalEligibilityUris": [],
      "additionalFeesAndPricingUris": [],
      "additionalBundleUris": []
    },
    "cardArt": [],
    "bundles": [],
    "features": [
      {
        "featureType": "DIGITAL_BANKING",
        "additionalValue": "Access via our award-winning banking app.",
        "additionalInfoUri": "https://www.defencebank.com.au/banking/savings-accounts/salute-account/"
      },
      {
        "featureType": "NPP_ENABLED",
        "additionalValue": "Faster, Simper ways to make payments",
        "additionalInfoUri": "https://www.defencebank.com.au/banking/savings-accounts/salute-account/"
      },
      {
        "featureType": "OTHER",
        "additionalValue": "A new digital way to pre-authorise payments directly from your bank account.",
        "additionalInfo": "PayTo",
        "additionalInfoUri": "https://www.defencebank.com.au/banking/savings-accounts/salute-account/"
      },
      {
        "featureType": "BONUS_REWARDS",
        "additionalValue": "A high bonus interest for 12 months",
        "additionalInfoUri": "https://www.defencebank.com.au/banking/savings-accounts/salute-account/"
      },
      {
        "featureType": "OTHER",
        "additionalValue": "Rewards deployment",
        "additionalInfo": "Rewards your service milestones",
        "additionalInfoUri": "https://www.defencebank.com.au/banking/savings-accounts/salute-account/"
      },
      {
        "featureType": "UNLIMITED_TXNS",
        "additionalInfoUri": "https://www.defencebank.com.au/banking/savings-accounts/salute-account/"
      },
      {
        "featureType": "BILL_PAYMENT",
        "additionalInfo": "BPay",
        "additionalInfoUri": "https://www.defencebank.com.au/banking/savings-accounts/salute-account/"
      },
      {
        "featureType": "NPP_PAYID",
        "additionalInfo": "Faster, Simper ways to make payments",
        "additionalInfoUri": "https://www.defencebank.com.au/banking/savings-accounts/salute-account/"
      }
    ],
    "constraints": [],
    "eligibility": [
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Available to ADF members who are within 12 Months either side of milestones.",
        "additionalInfoUri": "https://www.defencebank.com.au/tools-and-advice/legal-and-compliance/disclosure-documents/"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Product available only for members who meet a recognised ADF milestone.",
        "additionalInfoUri": "https://www.defencebank.com.au/banking/savings-accounts/salute-account/"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "$1500 per month into your Everyday Access account.",
        "additionalInfoUri": "https://www.defencebank.com.au/banking/savings-accounts/salute-account/"
      },
      {
        "eligibilityType": "EMPLOYMENT_STATUS",
        "additionalInfo": "Our Salute account rewards those who have been deployed, have reached 15 and 25 years of service or have transitioned out with bonus interest for 12 months.",
        "additionalInfoUri": "https://www.defencebank.com.au/banking/savings-accounts/salute-account/"
      }
    ],
    "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": "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": []
      },
      {
        "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": []
      }
    ],
    "depositRates": [
      {
        "depositRateType": "BONUS",
        "rate": "0.0575",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [],
        "additionalInfo": "Bonus rate is the total rate payable for the first 12 months.",
        "additionalInfoUri": "https://www.defencebank.com.au/banking/savings-accounts/salute-account/"
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0400",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [],
        "additionalInfo": "Base variable rate. Account balances above $250,000. The variable rate after 12 months.",
        "additionalInfoUri": "https://www.defencebank.com.au/banking/savings-accounts/salute-account/"
      }
    ],
    "lendingRates": []
  }
}