{
  "snapshot_at": "2026-11-05T03:31:39Z",
  "brand": "Horizon Bank",
  "brand_slug": "horizon-bank",
  "product_id": "S15_S150001",
  "cdr_url": "https://onlinebanking.horizonbank.com.au/openbanking/cds-au/v1/banking/products/S15_S150001",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://onlinebanking.horizonbank.com.au/openbanking/cds-au/v1/banking/products/S15_S150001'",
  "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": "UNLIMITED_TXNS",
        "additionalInfo": "Free unlimited every day transactions"
      },
      {
        "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": "DIGITAL_BANKING",
        "additionalInfo": "Internet Banking and Mobile Banking App"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Earn bonus interest when a total of $2 or more is deposited and no withdrawals are made in each calendar month."
      },
      {
        "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": "NPP_PAYID",
        "additionalInfo": "Create a PayID through Horizon Banks 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."
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "MAX_AGE",
        "additionalValue": "12"
      },
      {
        "eligibilityType": "NATURAL_PERSON"
      }
    ],
    "fees": [
      {
        "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_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."
      }
    ],
    "depositRates": [
      {
        "depositRateType": "VARIABLE",
        "rate": "0.025",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M"
      },
      {
        "depositRateType": "BONUS",
        "rate": "0.03",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M"
      }
    ],
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "productId": "S15_S150001",
    "effectiveFrom": "2020-10-01T00:00:00.000+10:00",
    "lastUpdated": "2026-11-04T10:51:11.000+11:00",
    "name": "SUPER SAVERS",
    "description": "An everyday account for children aged 0-12 years. The Super Saver account is a great start to teach your child the value of money and instil good savings habits from an early age.",
    "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/savings/youth-accounts/super-saver/",
      "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/"
    }
  }
}