{
  "snapshot_at": "2026-11-12T02:33:00Z",
  "brand": "Health Professionals Bank",
  "brand_slug": "health-professionals-bank",
  "product_id": "ae92e68a-4104-4894-ba54-408c590a200b",
  "cdr_url": "https://ob.tmbl.com.au/hpbank/cds-au/v1/banking/products/ae92e68a-4104-4894-ba54-408c590a200b",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://ob.tmbl.com.au/hpbank/cds-au/v1/banking/products/ae92e68a-4104-4894-ba54-408c590a200b'",
  "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": "ae92e68a-4104-4894-ba54-408c590a200b",
    "lastUpdated": "2026-11-12T07:34:03.000+11:00",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "name": "Starter Saver account",
    "description": "Starter Saver Account is a high interest savings account for Under 30 year olds that rewards savings.",
    "brand": "HPB",
    "brandName": "Health Professionals Bank",
    "applicationUri": "https://www.hpbank.com.au/banking/starter-saver",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.hpbank.com.au/banking/starter-saver",
      "termsUri": "https://www.hpbank.com.au/content/dam/documents/collateral/conditions-of-use.pdf",
      "eligibilityUri": "https://www.hpbank.com.au/banking/starter-saver",
      "feesAndPricingUri": "https://www.hpbank.com.au/content/dam/documents/collateral/fees-and-charges.pdf"
    },
    "features": [
      {
        "featureType": "OTHER",
        "additionalInfo": "The product pays members a higher rate of interest on balances up to $50,000.00, with a stepped down rate for balances $50,000.01 and over. Members have funds available at call, with flexibility to access their funds without forfeiting interest within a calendar month."
      },
      {
        "featureType": "DIGITAL_BANKING"
      },
      {
        "featureType": "NPP_PAYID"
      },
      {
        "featureType": "NPP_ENABLED"
      },
      {
        "featureType": "NOTIFICATIONS",
        "additionalValue": "Track payments with SMS and email alerts."
      },
      {
        "featureType": "UNLIMITED_TXNS"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "OTHER",
        "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/starter-saver"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "Individuals must be citizens or permanent residents of Australia."
      },
      {
        "eligibilityType": "MAX_AGE",
        "additionalValue": "29",
        "additionalInfo": "This Product is only available for members aged under 30 years and Students"
      }
    ],
    "depositRates": [
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0575",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "Starter Saver account_Tier_1",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "0.00",
            "maximumValue": "50000.00",
            "rateApplicationMethod": "PER_TIER"
          }
        ],
        "additionalInfo": "The product pays members a higher rate of interest on balances up to $20,000.00, with a stepped down rate for balances $20,000.01 and over. Members have funds available at call, with flexibility to access their funds without forfeiting interest within a calendar month."
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0475",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "Starter Saver account_Tier_2",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "50000.01",
            "rateApplicationMethod": "PER_TIER"
          }
        ],
        "additionalInfo": "The product pays members a higher rate of interest on balances up to $20,000.00, with a stepped down rate for balances $20,000.01 and over. Members have funds available at call, with flexibility to access their funds without forfeiting interest within a calendar month."
      }
    ]
  }
}