{
  "snapshot_at": "2026-10-22T13:24:54Z",
  "brand": "First Option Bank",
  "brand_slug": "first-option-bank",
  "product_id": "BILLS_ACCOUNT",
  "cdr_url": "https://internetbanking.firstoption.com.au/OpenBanking/cds-au/v1/banking/products/BILLS_ACCOUNT",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://internetbanking.firstoption.com.au/OpenBanking/cds-au/v1/banking/products/BILLS_ACCOUNT'",
  "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"
      },
      {
        "featureType": "CARD_ACCESS",
        "additionalInfo": "Visa Card"
      },
      {
        "featureType": "UNLIMITED_TXNS"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalInfo": "Googel, Apple Pay, Samsung Pay"
      },
      {
        "featureType": "DIGITAL_BANKING"
      },
      {
        "featureType": "NPP_PAYID"
      },
      {
        "featureType": "NPP_ENABLED"
      },
      {
        "featureType": "NOTIFICATIONS",
        "additionalInfo": "Email, SMS"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "NATURAL_PERSON"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalInfo": "Australian Residents"
      }
    ],
    "fees": [
      {
        "name": "PAPER_STAT_FEE",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "2.50"
        },
        "currency": "AUD",
        "additionalValue": "P1M",
        "additionalInfoUri": "https://firstoptionbank.com.au/disclosure-statements/",
        "discounts": [
          {
            "description": "Paper Statement Fee",
            "discountType": "ELIGIBILITY_ONLY",
            "discountMethodUType": "fixedAmount",
            "fixedAmount": {
              "amount": "2.50"
            },
            "eligibility": [
              {
                "discountEligibilityType": "MAX_AGE",
                "additionalValue": "21"
              },
              {
                "discountEligibilityType": "MIN_AGE",
                "additionalValue": "65"
              },
              {
                "discountEligibilityType": "INTRODUCTORY",
                "additionalValue": "P3M"
              },
              {
                "discountEligibilityType": "OTHER",
                "additionalInfo": "If you have a mortgage at First Option you will not be charged this fee"
              },
              {
                "discountEligibilityType": "OTHER",
                "additionalInfo": "Maintain an aggregate balance over $25,000 across all your accounts"
              }
            ]
          }
        ]
      },
      {
        "name": "MEMBERSHIP_ADMIN_FEE",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "currency": "AUD",
        "additionalValue": "P1M",
        "discounts": [
          {
            "description": "Membership Admin Fee",
            "discountType": "ELIGIBILITY_ONLY",
            "discountMethodUType": "fixedAmount",
            "fixedAmount": {
              "amount": "5.00"
            },
            "eligibility": [
              {
                "discountEligibilityType": "MAX_AGE",
                "additionalValue": "21"
              },
              {
                "discountEligibilityType": "INTRODUCTORY",
                "additionalValue": "P3M"
              },
              {
                "discountEligibilityType": "OTHER",
                "additionalInfo": "If you have a credit card at First Option you will not be charged this fee"
              },
              {
                "discountEligibilityType": "OTHER",
                "additionalInfo": "Maintain an aggregate balance over $1,000 across all your accounts"
              }
            ]
          }
        ]
      }
    ],
    "depositRates": [
      {
        "depositRateType": "VARIABLE",
        "rate": "0.005",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalInfoUri": "https://firstoptionbank.com.au/disclosure-statements/"
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.1399",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "repaymentType": "OTHER",
        "loanPurpose": "OTHER",
        "additionalInfoUri": "https://www.firstoptionbank.com.au/lending-rates/"
      }
    ],
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "productId": "BILLS_ACCOUNT",
    "lastUpdated": "2026-06-30T17:12:28.000+10:00",
    "name": "Bills Account",
    "description": "Bills Account",
    "brand": "FIRST OPTION BANK LTD",
    "brandName": "FIRST OPTION BANK",
    "applicationUri": "https://firstoptionbank.com.au/join",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://firstoptionbank.com.au/accounts",
      "termsUri": "https://firstoptionbank.com.au/disclosure-statements/",
      "eligibilityUri": "https://firstoptionbank.com.au/disclosure-statements/",
      "feesAndPricingUri": "https://firstoptionbank.com.au/disclosure-statements/"
    }
  }
}