{
  "snapshot_at": "2026-11-12T02:33:04Z",
  "brand": "Horizon Bank",
  "brand_slug": "horizon-bank",
  "product_id": "S17_S170001",
  "cdr_url": "https://onlinebanking.horizonbank.com.au/openbanking/cds-au/v1/banking/products/S17_S170001",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://onlinebanking.horizonbank.com.au/openbanking/cds-au/v1/banking/products/S17_S170001'",
  "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": "BONUS_REWARDS",
        "additionalInfo": "Bonus interest if deposit >$10/Mth and no withdrawals"
      },
      {
        "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": "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."
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Internet Banking and Mobile Banking App"
      },
      {
        "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."
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "13"
      },
      {
        "eligibilityType": "MAX_AGE",
        "additionalValue": "17"
      },
      {
        "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": "S17_S170001",
    "effectiveFrom": "2020-10-01T00:00:00.000+10:00",
    "lastUpdated": "2026-11-04T10:51:36.000+11:00",
    "name": "YOUTH REWARD SAVER",
    "description": "High interest savings account for youths aged 13-17 years. Earn an interest reward when a total of $10 or more is deposited and no withdrawals are made in each calendar month",
    "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/youth-reward-saver/",
      "termsUri": "https://horizonbank.com.au/more/important-info/disclosure-documents/",
      "eligibilityUri": "https://horizonbank.com.au/savings/youth-accounts/youth-reward-saver/",
      "feesAndPricingUri": "https://horizonbank.com.au/more/important-info/fees-and-charges/"
    }
  }
}