{
  "snapshot_at": "2026-11-06T01:09:12Z",
  "brand": "Horizon Bank",
  "brand_slug": "horizon-bank",
  "product_id": "S11_S110001",
  "cdr_url": "https://onlinebanking.horizonbank.com.au/openbanking/cds-au/v1/banking/products/S11_S110001",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://onlinebanking.horizonbank.com.au/openbanking/cds-au/v1/banking/products/S11_S110001'",
  "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": {
    "features": [
      {
        "featureType": "CARD_ACCESS",
        "additionalValue": "Visa Debit"
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Internet Banking and Mobile Banking App."
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Apple Pay, Samsung Pay and Google Pay"
      },
      {
        "featureType": "OVERDRAFT",
        "additionalInfo": "Available to eligible members on application. Lending criteria, terms and conditions, fees and charges apply."
      },
      {
        "featureType": "NPP_PAYID",
        "additionalInfo": "Create a PayID through Horizon Bank s Internet Banking or Mobile Banking App to receive Osko payments with a unique identifier, such as your mobile number or email address, enabling you to receive and send money securely without the need to remember complex banking details."
      },
      {
        "featureType": "NPP_ENABLED",
        "additionalInfo": "This account type is enabled for Osko payments, via the New Payments Platform (NPP). Osko is the faster way to pay or receive money from friends, family and businesses. No more waiting days for money to change hands. Now you can pay and be paid in a matter of seconds"
      },
      {
        "featureType": "BILL_PAYMENT",
        "additionalValue": "BPAY",
        "additionalInfo": "BPAY is an electronic bill payment service, providing a convenient access point for the payment and receipt of consumer bills."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Manage payments from your bank account using PayTo."
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "BUSINESS"
      }
    ],
    "fees": [
      {
        "name": "10_MONTHLY_FEE",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        },
        "currency": "AUD",
        "additionalValue": "P1M"
      },
      {
        "name": "BULK_COIN_COUNTAGE",
        "feeType": "DEPOSIT",
        "feeMethodUType": "rateBased",
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.02"
        },
        "currency": "AUD",
        "additionalInfo": "Up to 2% for bulk coin counting above $300. Fee excludes money boxes & community"
      },
      {
        "name": "DIRECT_DEBIT_DISHONOUR",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "9.00"
        },
        "currency": "AUD"
      },
      {
        "name": "FOREIGN_CASH_WITHDRAWAL_FROM_VISA_DEBIT_CARD",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "3.00"
        },
        "currency": "AUD"
      },
      {
        "name": "FOREIGN_CHEQUE_DEPOSIT",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "11.00"
        },
        "currency": "AUD"
      },
      {
        "name": "OVERDRAWN_SAVINGS_ACCOUNT",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "currency": "AUD",
        "additionalInfo": "per occurence"
      },
      {
        "name": "STATEMENT_COPY",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "2.50"
        },
        "currency": "AUD"
      },
      {
        "name": "TOTAL_CASH_WITHDRAWAL_ABOVE_4000_PER_DAY",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "rateBased",
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.0025"
        },
        "currency": "AUD",
        "additionalInfo": "A fee of 0.25% of total cash withdrawals is charged for total cash withdrawals over $4000 in a day."
      },
      {
        "name": "VISA_CARD_INTERNATIONAL_TRANSACTION_FEE",
        "feeType": "TRANSACTION",
        "feeMethodUType": "rateBased",
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.03"
        },
        "currency": "AUD"
      },
      {
        "name": "VISA_CARD_REPLACEMENT",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "9.00"
        },
        "currency": "AUD",
        "additionalInfo": "Australia only"
      }
    ],
    "depositRates": [
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0001",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalInfoUri": "https://horizonbank.com.au/savings/everyday-accounts/business-savings/"
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.1495",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "repaymentType": "OTHER",
        "loanPurpose": "OTHER"
      }
    ],
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "productId": "S11_S110001",
    "effectiveFrom": "2020-10-01T00:00:00.000+10:00",
    "lastUpdated": "2026-11-06T11:46:53.000+11:00",
    "name": "BUSINESS SAVINGS",
    "description": "Our Business Savings is ideal for small to medium business owners looking to manage cash flow.Take advantage of the wide range of access options available and added benefit of online business banking.",
    "brand": "HORIZON BANK",
    "brandName": "HORIZON BANK",
    "applicationUri": "https://horizonbank.com.au/forms/savings-account-or-term-deposit-application/",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://horizonbank.com.au/more/business-banking/",
      "termsUri": "https://horizonbank.com.au/more/important-info/disclosure-documents/",
      "eligibilityUri": "https://horizonbank.com.au/more/important-info/disclosure-documents/",
      "feesAndPricingUri": "https://horizonbank.com.au/more/important-info/fees-and-charges/"
    }
  }
}