{
  "snapshot_at": "2026-10-22T13:24:54Z",
  "brand": "First Option Bank",
  "brand_slug": "first-option-bank",
  "product_id": "SMART_START_ACCESS_SAVER",
  "cdr_url": "https://internetbanking.firstoption.com.au/OpenBanking/cds-au/v1/banking/products/SMART_START_ACCESS_SAVER",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://internetbanking.firstoption.com.au/OpenBanking/cds-au/v1/banking/products/SMART_START_ACCESS_SAVER'",
  "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": "CARD_ACCESS",
        "additionalInfo": "Visa Card"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalInfo": "Google, Apple Pay, Samsung Pay"
      },
      {
        "featureType": "DIGITAL_BANKING"
      },
      {
        "featureType": "NPP_PAYID"
      },
      {
        "featureType": "NPP_ENABLED"
      },
      {
        "featureType": "NOTIFICATIONS",
        "additionalInfo": "Email, SMS"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "13"
      },
      {
        "eligibilityType": "MAX_AGE",
        "additionalValue": "24"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalInfo": "Australian Residents"
      },
      {
        "eligibilityType": "NATURAL_PERSON"
      }
    ],
    "fees": [
      {
        "name": "EFTPOS_FEE",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.50"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://firstoptionbank.com.au/disclosure-statements/",
        "discounts": [
          {
            "description": "EFTPOS Transaction Exemptions",
            "discountType": "ELIGIBILITY_ONLY",
            "discountMethodUType": "fixedAmount",
            "fixedAmount": {
              "amount": "0.50"
            },
            "eligibility": [
              {
                "discountEligibilityType": "MAX_AGE",
                "additionalValue": "21"
              },
              {
                "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": "BANK@POST_WDL",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "3.00"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://firstoptionbank.com.au/disclosure-statements/",
        "discounts": [
          {
            "description": "Bank@Post withdrawal",
            "discountType": "ELIGIBILITY_ONLY",
            "discountMethodUType": "fixedAmount",
            "fixedAmount": {
              "amount": "3.00"
            },
            "eligibility": [
              {
                "discountEligibilityType": "MAX_AGE",
                "additionalValue": "21"
              },
              {
                "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 > $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"
              }
            ]
          }
        ]
      },
      {
        "name": "OVERSEAS_ATM_WDL",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "3.50"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://firstoptionbank.com.au/disclosure-statements/",
        "discounts": [
          {
            "description": "Overseas ATM withdrawal",
            "discountType": "BALANCE",
            "discountMethodUType": "fixedAmount",
            "fixedAmount": {
              "amount": "3.50"
            },
            "eligibility": [
              {
                "discountEligibilityType": "MAX_AGE",
                "additionalValue": "21"
              },
              {
                "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": "STAFF_ASSIST_FEE",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://firstoptionbank.com.au/disclosure-statements/",
        "discounts": [
          {
            "description": "Staff=assisted transfer fee",
            "discountType": "ELIGIBILITY_ONLY",
            "discountMethodUType": "fixedAmount",
            "fixedAmount": {
              "amount": "5.00"
            },
            "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": "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"
              }
            ]
          }
        ]
      }
    ],
    "depositRates": [
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0005",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "Smart Start Access Saver_Tier_1",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "0.00",
            "maximumValue": "1000.00",
            "rateApplicationMethod": "PER_TIER"
          }
        ],
        "additionalInfoUri": "https://firstoptionbank.com.au/disclosure-statements/"
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0325",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "Smart Start Access Saver_Tier_2",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "1000.01",
            "rateApplicationMethod": "PER_TIER"
          }
        ],
        "additionalInfoUri": "https://firstoptionbank.com.au/disclosure-statements/"
      }
    ],
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "productId": "SMART_START_ACCESS_SAVER",
    "lastUpdated": "2026-09-07T12:44:09.000+10:00",
    "name": "Smart Start Access Saver",
    "description": "SMART START ACCESS SAV",
    "brand": "FIRST OPTION BANK LTD",
    "brandName": "FIRST OPTION BANK",
    "isTailored": false,
    "additionalInformation": {
      "termsUri": "https://firstoptionbank.com.au/disclosure-statements/",
      "eligibilityUri": "https://firstoptionbank.com.au/disclosure-statements/",
      "feesAndPricingUri": "https://firstoptionbank.com.au/disclosure-statements/"
    }
  }
}