{
  "snapshot_at": "2026-11-12T02:33:00Z",
  "brand": "Health Professionals Bank",
  "brand_slug": "health-professionals-bank",
  "product_id": "3ea81fb6-ab26-4044-ab83-8de6fe73ab1d",
  "cdr_url": "https://ob.tmbl.com.au/hpbank/cds-au/v1/banking/products/3ea81fb6-ab26-4044-ab83-8de6fe73ab1d",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://ob.tmbl.com.au/hpbank/cds-au/v1/banking/products/3ea81fb6-ab26-4044-ab83-8de6fe73ab1d'",
  "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": "3ea81fb6-ab26-4044-ab83-8de6fe73ab1d",
    "lastUpdated": "2026-11-12T07:45:12.000+11:00",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "name": "Pension Advantage account",
    "description": "An account for members receiving a pension or allowance from Centrelink or Veteran Affairs.",
    "brand": "HPB",
    "brandName": "Health Professionals Bank",
    "applicationUri": "https://www.hpbank.com.au/banking/pension-advantage",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.hpbank.com.au/banking/pension-advantage",
      "termsUri": "https://www.hpbank.com.au/content/dam/documents/collateral/conditions-of-use.pdf",
      "eligibilityUri": "https://www.hpbank.com.au/banking/pension-advantage",
      "feesAndPricingUri": "https://www.hpbank.com.au/content/dam/documents/collateral/fees-and-charges.pdf"
    },
    "cardArt": [
      {
        "cardScheme": "VISA",
        "cardType": "DEBIT",
        "title": "Visa Debit",
        "imageUri": "https://www.hpbank.com.au/content/dam/channels/websites/common-assets/open-banking/feature-mobile-wallet-hpb.png"
      }
    ],
    "features": [
      {
        "featureType": "DIGITAL_BANKING"
      },
      {
        "featureType": "NPP_PAYID"
      },
      {
        "featureType": "NPP_ENABLED"
      },
      {
        "featureType": "NOTIFICATIONS",
        "additionalValue": "Track payments with SMS and email alerts."
      },
      {
        "featureType": "ADDITIONAL_CARDS"
      },
      {
        "featureType": "CARD_ACCESS",
        "additionalValue": "Visa Debit with payWave"
      },
      {
        "featureType": "UNLIMITED_TXNS"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Apple Pay",
        "additionalInfoUri": "https://www.hpbank.com.au/ways-to-bank/mobile-wallet"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Google Pay",
        "additionalInfoUri": "https://www.hpbank.com.au/ways-to-bank/mobile-wallet"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Samsung Pay",
        "additionalInfoUri": "https://www.hpbank.com.au/ways-to-bank/mobile-wallet"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Our sweep service automatically transfers funds from certain savings accounts to cover most transactions which would otherwise exceed your transaction account's available balance."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Make deposits and withdrawals through a Bank@Post facility at Australia Post outlets. For full details refer to our Conditions of Use. Fees and charges apply.",
        "additionalInfoUri": "https://www.hpbank.com.au/content/dam/documents/collateral/conditions-of-use.pdf"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "NATURAL_PERSON",
        "additionalInfo": "You must be a member. Membership is open to citizens or permanent residents of Australia who are current or retired employees in the Australian health sector or are family members of members (i.e. shareholders) of the Bank.",
        "additionalInfoUri": "https://www.hpbank.com.au/banking/pension-advantage"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "Individuals must be citizens or permanent residents of Australia."
      },
      {
        "eligibilityType": "PENSION_RECIPIENT",
        "additionalValue": "An account for members receiving a pension or allowance from Centrelink or Veteran Affairs.",
        "additionalInfo": "You must be receiving a pension or allowance from Centrelink or Veteran Affairs and the pension or allowance must be paid directly into the account."
      }
    ],
    "fees": [
      {
        "name": "CASH_ADVANCES_FEE",
        "feeType": "CASH_ADVANCE",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "4.00"
        },
        "currency": "AUD",
        "additionalInfo": "Visa Debit and Visa Credit card cash advances at other financial institutions in Australia and overseas. Individual bank branches may not offer this service and may charge additional fees (at cost)."
      },
      {
        "name": "ATM_WITHDRAWALS_OVERSEAS",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "4.00"
        },
        "currency": "AUD"
      },
      {
        "name": "INTERNATIONAL_CONVERSION_FEE",
        "feeType": "TRANSACTION",
        "feeMethodUType": "rateBased",
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.029"
        },
        "currency": "AUD",
        "additionalInfo": "2.90% of transaction value in $AUD collected by Cuscal Limited - 0.90% paid to Us; 1.00% retained by Cuscal; 1.00% paid to Visa International. Payable when you transact in a foreign currency using your Visa card either online or at a merchant point of sale (irrespective of where the transaction occurs; performed not in Australian Dollar; or overseas merchants transact in a foreign currency.)"
      },
      {
        "name": "TELE_TRANSFER",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "13.00"
        },
        "currency": "AUD",
        "additionalInfo": "Tele transfer within Australia to an account at another financial institution."
      }
    ],
    "depositRates": [
      {
        "depositRateType": "VARIABLE",
        "rate": "0.035",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "Pension Advantage account_Tier_1",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "0.00",
            "maximumValue": "50000.00",
            "rateApplicationMethod": "PER_TIER"
          }
        ]
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.035",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "Pension Advantage account_Tier_2",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "50000.01",
            "rateApplicationMethod": "PER_TIER"
          }
        ]
      }
    ]
  }
}