{
  "snapshot_at": "2026-10-22T13:24:56Z",
  "brand": "Gateway Bank",
  "brand_slug": "gateway-bank",
  "product_id": "4",
  "cdr_url": "https://public.cdr-api.gatewaybank.com.au/cds-au/v1/banking/products/4",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://public.cdr-api.gatewaybank.com.au/cds-au/v1/banking/products/4'",
  "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": "4",
    "effectiveFrom": "2006-06-30T14:30:00.0000000Z",
    "lastUpdated": "2026-10-13T00:00:31.4845168Z",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "name": "Christmas Club",
    "description": "Christmas Club",
    "brand": "Gateway Bank",
    "applicationUri": "https://www.gatewaybank.com.au/banking/savings-accounts/christmas-club/",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.gatewaybank.com.au/banking/savings-accounts/christmas-club/",
      "termsUri": "https://www.gatewaybank.com.au/important-information",
      "feesAndPricingUri": "https://www.gatewaybank.com.au/media/4lwjloxy/fees-and-charges-and-transaction-limits.pdf"
    },
    "features": [
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Access is available to online banking features for the product"
      },
      {
        "featureType": "UNLIMITED_TXNS",
        "additionalInfo": "Unlimited fee-free transactions"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "PENSION_RECIPIENT"
      }
    ],
    "fees": [
      {
        "name": "Cheque Withdrawal Fee",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "7.50"
        },
        "currency": "AUD",
        "additionalInfo": "Corporate (Bank) Cheque - Over the counter or mailed"
      },
      {
        "name": "Cheque Dishonour Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        },
        "currency": "AUD",
        "additionalInfo": "Payable each occasion a cheque credited to your account is dishonoured by another financial institution"
      },
      {
        "name": "Transaction Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "7.50"
        },
        "currency": "AUD",
        "additionalInfo": "Withdrawl Transaction Fee for staff assisted transactions"
      },
      {
        "name": "BPay Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "7.50"
        },
        "currency": "AUD",
        "additionalInfo": "BPAY Payment (Staff assisted)"
      },
      {
        "name": "BPay Trace",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "25.00"
        },
        "currency": "AUD",
        "additionalInfo": "BPAY Trace"
      },
      {
        "name": "BPay Error Correction",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "25.00"
        },
        "currency": "AUD",
        "additionalInfo": "BPAY Error Correction"
      },
      {
        "name": "Direct Entry/EFT Trace",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "25.00"
        },
        "currency": "AUD",
        "additionalInfo": "Direct Entry/EFT Trace"
      },
      {
        "name": "Direct Entry/EFT Recall",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "25.00"
        },
        "currency": "AUD",
        "additionalInfo": "Direct Entry/EFT Recall"
      },
      {
        "name": "RTGS (same day EFT)",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "30.00"
        },
        "currency": "AUD",
        "additionalInfo": "Real Time Gross Settlement (RTGS)\r\n(same day EFT)"
      },
      {
        "name": "QuickDebit Dishonour Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "15.00"
        },
        "currency": "AUD",
        "additionalInfo": "Payable each occasion payment credited to your account is dishonoured by another financial institution"
      },
      {
        "name": "Dishonour Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "15.00"
        },
        "currency": "AUD",
        "additionalInfo": "Any fee charged in relation to a dishonoured payment will be passed on to you"
      }
    ],
    "depositRates": [
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0325",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1Y"
      }
    ]
  }
}