{
  "snapshot_at": "2026-10-22T13:25:08Z",
  "brand": "Heartland",
  "brand_slug": "heartland",
  "product_id": "S02.1",
  "cdr_url": "https://api.cdr.heartlandbank.com.au/cds-au/v1/banking/products/S02.1",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://api.cdr.heartlandbank.com.au/cds-au/v1/banking/products/S02.1'",
  "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": "S02.1",
    "effectiveFrom": "2022-06-23T03:00:41Z",
    "effectiveTo": "2030-06-24T23:00:50Z",
    "lastUpdated": "2026-03-13T03:52:24Z",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "name": "MySavings account",
    "description": "Our MySavings account offers you the freedom of no minimum balance, no account keeping or transaction fees and no minimum monthly deposit requirements.",
    "brand": "Heartland Bank",
    "brandName": "Heartland Bank",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.heartlandbank.com.au/generalterms",
      "termsUri": "https://www.heartlandbank.com.au/generalterms",
      "feesAndPricingUri": "https://www.heartlandbank.com.au/feescharges-schedule"
    },
    "features": [
      {
        "featureType": "BILL_PAYMENT",
        "additionalValue": "BPAY",
        "additionalInfo": "Make fee-free bill payments using BPAY via Internet Banking or from our app."
      },
      {
        "featureType": "UNLIMITED_TXNS",
        "additionalInfo": "Make unlimited fee-free transactions via Internet Banking or Mobile Banking."
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Make fee-free Pay anyone or BPAY transactions via Internet Banking or from our app."
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "To open an account, you must be solely a tax resident of Australia.",
        "additionalInfoUri": "https://www.heartlandbank.com.au/generalterms"
      },
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "14",
        "additionalInfo": "To open an account, you must be 14 years or older.",
        "additionalInfoUri": "https://www.heartlandbank.com.au/generalterms"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "To open an account, you must be an existing customer with a valid email address and an Australian mobile number.",
        "additionalInfoUri": "https://www.heartlandbank.com.au/generalterms"
      }
    ],
    "fees": [
      {
        "name": "Audit certificate",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "35.00"
        },
        "currency": "AUD",
        "additionalInfo": "Fee charged for Audit Certificates.",
        "additionalInfoUri": "https://www.heartlandbank.com.au/feescharges-schedule"
      },
      {
        "name": "Electronic transfer - Branch assisted",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        },
        "currency": "AUD",
        "additionalInfo": "Fee charged when one-off Pay anyone, BPAY, or transfers are made on behalf of customers by us.",
        "additionalInfoUri": "https://www.heartlandbank.com.au/feescharges-schedule"
      },
      {
        "name": "Periodical payment - Branch assisted",
        "feeType": "PAYMENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "currency": "AUD",
        "additionalInfo": "Fee charged when periodical Pay anyone or BPAY payments are made on behalf of customers by us. Fee charged per transaction.",
        "additionalInfoUri": "https://www.heartlandbank.com.au/feescharges-schedule"
      },
      {
        "name": "Overdrawn account",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        },
        "currency": "AUD",
        "additionalInfo": "Fee charged on overdrawn accounts (per occurrence).",
        "additionalInfoUri": "https://www.heartlandbank.com.au/feescharges-schedule"
      },
      {
        "name": "Voucher retrieval",
        "feeType": "EVENT",
        "feeMethodUType": "variable",
        "variable": {},
        "currency": "AUD",
        "additionalValue": "Voucher retrieval fee. Minimum $20.00 ($60 per hour).",
        "additionalInfo": "Fee charged for voucher/information retrieval by us.",
        "additionalInfoUri": "https://www.heartlandbank.com.au/feescharges-schedule"
      },
      {
        "name": "Dishonour fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        },
        "currency": "AUD",
        "additionalInfo": "Dishonour fee charged on Pay anyone, or BPAY dishonours.",
        "additionalInfoUri": "https://www.heartlandbank.com.au/feescharges-schedule"
      },
      {
        "name": "Statement reissue",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "currency": "AUD",
        "additionalInfo": "Fee charged when statement is reissued on behalf of customers by us. Fee charged per statement reissue.",
        "additionalInfoUri": "https://www.heartlandbank.com.au/feescharges-schedule"
      }
    ],
    "depositRates": [
      {
        "rate": "0.0455",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "Tier1",
        "additionalInfo": "$0 to $300,000",
        "tiers": [
          {
            "name": "Tier1",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "0.00",
            "maximumValue": "300000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "OTHER",
            "additionalInfo": "Your daily balance determines which interest rate tier applies. If your balance moves to a different tier, the applicable interest rate will apply to your entire balance for that day - not just the portion within that tier."
          }
        ],
        "depositRateType": "VARIABLE"
      },
      {
        "rate": "0.0455",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "300,000.01 TO 2,000,000",
        "additionalInfo": "TIER2",
        "tiers": [
          {
            "name": "Tier2",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "300000.01",
            "maximumValue": "2000000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "OTHER",
            "additionalInfo": "Your daily balance determines which interest rate tier applies. If your balance moves to a different tier, the applicable interest rate will apply to your entire balance for that day - not just the portion within that tier."
          }
        ],
        "depositRateType": "VARIABLE"
      },
      {
        "rate": "0.0150",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "GREATOR THAN 2,000,000",
        "additionalInfo": "Tier3",
        "tiers": [
          {
            "name": "Tier 3",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "2000000.01",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "OTHER",
            "additionalInfo": "Your daily balance determines which interest rate tier applies. If your balance moves to a different tier, the applicable interest rate will apply to your entire balance for that day - not just the portion within that tier."
          }
        ],
        "depositRateType": "VARIABLE"
      }
    ]
  }
}