{
  "snapshot_at": "2026-11-13T01:41:39Z",
  "brand": "Dnister",
  "brand_slug": "dnister",
  "product_id": "19",
  "cdr_url": "https://public.cdr-api.dnister.com.au/cds-au/v1/banking/products/19",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://public.cdr-api.dnister.com.au/cds-au/v1/banking/products/19'",
  "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": "19",
    "effectiveFrom": "2005-06-30T14:30:00.0000000Z",
    "lastUpdated": "2026-11-13T00:00:38.9826984Z",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "name": "Everyday Access",
    "description": "24/7 daily account.",
    "brand": "Dnister Bank",
    "applicationUri": "https://www.dnister.com.au/wp-content/uploads/2023/03/MS-0323-Savings-Account-Application.pdf",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.dnister.com.au/portfolio-items/everyday-access",
      "termsUri": "https://www.dnister.com.au/wp-content/uploads/2025/10/PDS-FSG-Update-28-October-2025.pdf",
      "eligibilityUri": "https://www.dnister.com.au/portfolio-items/everyday-access",
      "feesAndPricingUri": "https://www.dnister.com.au/fees-and-charges/"
    },
    "features": [
      {
        "featureType": "ADDITIONAL_CARDS",
        "additionalInfo": "This product can have additional cards attached to the account."
      },
      {
        "featureType": "BILL_PAYMENT",
        "additionalInfo": "BPAY payments is enabled on this product."
      },
      {
        "featureType": "CARD_ACCESS",
        "additionalValue": "Card Access available",
        "additionalInfo": "Visa Debit card and Cuecard available for this product."
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Access your accounts 24/7 with our Mobile App and Online Banking."
      },
      {
        "featureType": "NPP_ENABLED",
        "additionalInfo": "This product can send and receive Osko payments in realtime.",
        "additionalInfoUri": "https://www.dnister.com.au/osko-payments/"
      },
      {
        "featureType": "NPP_PAYID",
        "additionalInfo": "This product can be linked with PayID, making it simpler to transfer funds between banks.",
        "additionalInfoUri": "https://www.dnister.com.au/payid/"
      },
      {
        "featureType": "OVERDRAFT",
        "additionalInfo": "An overdraft can be linked to this product."
      },
      {
        "featureType": "UNLIMITED_TXNS"
      }
    ],
    "fees": [
      {
        "name": "Dormant Account",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "35.00"
        },
        "currency": "AUD",
        "additionalValue": "P1Y"
      },
      {
        "name": "Bank Cheque Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "12.00"
        },
        "currency": "AUD"
      },
      {
        "name": "BPAY Trans Investigation",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Corporate Cheque Stop Request",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "12.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Inter Credit Union Withdrawal",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Presented Stopped Cheque Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "35.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Member Cheque Copy Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Mbr Chq / PP Trace Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "60.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Foreign Cash/Chq/Travel Money",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "30.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Foreign Cash/Cheque Deposit",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "30.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Thomas Cook Draft Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "currency": "AUD"
      },
      {
        "name": "BPAY/PP Returned Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "25.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Inward Cheque Dishonour Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Paper Statement Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "4.00"
        },
        "currency": "AUD",
        "discounts": [
          {
            "description": "Only customers older than a minimum age receive the discount",
            "discountType": "ELIGIBILITY_ONLY",
            "discountMethodUType": "rateBased",
            "rateBased": {
              "rateType": "FEE",
              "rate": "1.0",
              "amountRange": {}
            },
            "eligibility": [
              {
                "discountEligibilityType": "MIN_AGE",
                "additionalValue": "67"
              }
            ]
          }
        ]
      },
      {
        "name": "Paper Statement Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "6.00"
        },
        "currency": "AUD",
        "discounts": [
          {
            "description": "Only customers older than a minimum age receive the discount",
            "discountType": "ELIGIBILITY_ONLY",
            "discountMethodUType": "rateBased",
            "rateBased": {
              "rateType": "FEE",
              "rate": "1.0",
              "amountRange": {}
            },
            "eligibility": [
              {
                "discountEligibilityType": "MIN_AGE",
                "additionalValue": "67"
              }
            ]
          }
        ]
      },
      {
        "name": "Honour Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.10"
        },
        "currency": "AUD"
      },
      {
        "name": "Honour Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Dishonour of Direct Debit",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "15.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Dishonour of Direct Debit",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "25.00"
        },
        "currency": "AUD"
      }
    ],
    "depositRates": []
  }
}