{
  "snapshot_at": "2026-11-13T01:41:48Z",
  "brand": "Greater Bank",
  "brand_slug": "greater-bank",
  "product_id": "3045",
  "cdr_url": "https://public.cdr.greater.com.au/cds-au/v1/banking/products/3045",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://public.cdr.greater.com.au/cds-au/v1/banking/products/3045'",
  "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": {
    "brand": "GB",
    "description": "Conditional savings account for under 25 year olds",
    "isTailored": false,
    "lastUpdated": "2026-11-12T13:00:00Z",
    "name": "Life Saver",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "productId": "3045",
    "additionalInformation": {
      "overviewUri": "https://www.greater.com.au/personal/savings-accounts/life-saver",
      "termsUri": "https://www.greater.com.au/termsandconditions",
      "eligibilityUri": null,
      "feesAndPricingUri": null,
      "bundleUri": null,
      "additionalOverviewUris": null,
      "additionalTermsUris": null,
      "additionalEligibilityUris": null,
      "additionalFeesAndPricingUris": null,
      "additionalBundleUris": null
    },
    "applicationUri": "https://www.greater.com.au/personal/savings-accounts/life-saver",
    "brandName": "Greater Bank",
    "brandGroup": null,
    "cardArt": null,
    "effectiveFrom": "2014-10-31T13:00:00Z",
    "effectiveTo": "9999-12-29T13:00:00Z",
    "bundles": null,
    "constraints": [
      {
        "constraintType": "OPENING_BALANCE",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "1.00"
      },
      {
        "constraintType": "MIN_BALANCE",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "1.00"
      }
    ],
    "depositRates": [
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0575",
        "additionalInfo": null,
        "additionalInfoUri": "https://www.greater.com.au/personal/accounts/savings-accounts/savings-accounts-interest-rates",
        "additionalValue": null,
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "tiers": [
          {
            "name": "Amount",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "0.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "applicationType": "PERIODIC",
        "applicabilityConditions": [
          {
            "additionalInfo": "To qualify for interest, your closing balance must be higher than the opening balance (excluding any interest earned) for the calendar month.",
            "additionalInfoUri": null,
            "rateApplicabilityType": "DEPOSIT_BALANCE_INCREASED",
            "additionalValue": "0.01"
          }
        ]
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Must be identifiable in terms of legislative requirements",
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "eligibilityType": "NATURAL_PERSON",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "Australian Residents only"
      },
      {
        "eligibilityType": "MAX_AGE",
        "additionalInfo": "Must be under 25 years of age to open the account but can retain it for life.",
        "additionalInfoUri": null,
        "additionalValue": "25"
      }
    ],
    "features": [
      {
        "featureType": "NPP_PAYID",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "featureType": "NOTIFICATIONS",
        "additionalInfo": "Receive notification from bank of your nominated transactions (e.g. low account balance warning; credits over $500)",
        "additionalInfoUri": null,
        "additionalValue": "SMS or Email"
      },
      {
        "featureType": "UNLIMITED_TXNS",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "featureType": "NPP_ENABLED",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null
      }
    ],
    "fees": [
      {
        "feeType": "ENQUIRY",
        "name": "Information fee",
        "additionalInfo": "$20.00 plus $1.00 per page",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "WITHDRAWAL",
        "name": "EFT transaction fee (RTGS)",
        "additionalInfo": "Applicable when you send an outward RTGS (Real time gross settlement)",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "WITHDRAWAL",
        "name": "Bulk coin purchase fee - External order",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "8.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Stop payment fee",
        "additionalInfo": "Charged to stop payment of a cheque you have drawn or a bank cheque.",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "7.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "DISHONOUR",
        "name": "Direct debit dishonour fee",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "8.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "TRANSACTION",
        "name": "SMS alert fee",
        "additionalInfo": "Charged for each SMS alert that is sent to you notifying you of account balances and/or other nominated transactions.",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.20"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "WITHDRAWAL",
        "name": "EasyPay notification fee - SMS",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.20"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "PERIODIC",
        "name": "Dormant account fee",
        "additionalInfo": "$15.00 six monthly if an account has no transactions (other than government charges or interest) processed during the preceding 24 months",
        "additionalInfoUri": null,
        "additionalValue": "P6M",
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "15.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "DEPOSIT",
        "name": "Foreign currency deposit fee",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "WITHDRAWAL",
        "name": "Telegraphic transfer - Foreign Currency (Outgoing International Payment)",
        "additionalInfo": "When transferring in a foreign currency. Fee is inclusive of $20.00 payable to the product issuer, Convera Australia Pty Ltd.",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "30.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "WITHDRAWAL",
        "name": "Bank transfer fee",
        "additionalInfo": "Applicable when receiving an inward RTGS (Real time gross settlement)",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "8.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Unclaimed monies fee",
        "additionalInfo": "Charged if an account had no transactions (other than government charges or interest) processed during the last three years.  Fee not applied if account holder is under 18 years of age.",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "30.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "WITHDRAWAL",
        "name": "Telegraphic transfer - Australian Currency (Outgoing International Payment)",
        "additionalInfo": "When transferring in AUD. Fee is inclusive of $40.00 payable to the product issuer, Convera Australia Pty Ltd.",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "50.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "ENQUIRY",
        "name": "Information fee - Per Page",
        "additionalInfo": "$20.00 plus $1.00 per page",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "1.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "WITHDRAWAL",
        "name": "Bulk coin purchase fee - Existing branch stock ",
        "additionalInfo": "Existing branch stock 2.00% of total value (minimum $2.00)",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "rateBased",
        "fixedAmount": null,
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.0200",
          "accrualFrequency": null,
          "amountRange": null
        },
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "WITHDRAWAL",
        "name": "EasyPay notification fee - Letter",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "8.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      }
    ],
    "lendingRates": null,
    "instalments": null
  }
}