{
  "snapshot_at": "2026-11-10T11:02:19Z",
  "brand": "Hume Bank",
  "brand_slug": "hume-bank",
  "product_id": "S12V1",
  "cdr_url": "https://ibankob.humebank.com.au/OpenBanking/cds-au/v1/banking/products/S12V1",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://ibankob.humebank.com.au/OpenBanking/cds-au/v1/banking/products/S12V1'",
  "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": "DIGITAL_BANKING"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Apple Pay"
      },
      {
        "featureType": "NPP_ENABLED"
      },
      {
        "featureType": "NPP_PAYID"
      },
      {
        "featureType": "UNLIMITED_TXNS"
      },
      {
        "featureType": "ADDITIONAL_CARDS"
      },
      {
        "featureType": "CARD_ACCESS"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Google Pay"
      },
      {
        "featureType": "BILL_PAYMENT",
        "additionalValue": "BPAY"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Earn higher interest for balances over $50,000"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Samsung Wallet"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Garmin Pay"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Chequebook access only available on accounts that have an existing cheque facility attached with a chequebook issued prior to 30 June 2025"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Electronic or paper statements"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "No monthly account keeping fee"
      },
      {
        "featureType": "FRAUD_PROTECTION"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "PENSION_RECIPIENT"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Self funded retirees may apply"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "Must be residing in Australia with an Australian residential mailing address"
      }
    ],
    "fees": [
      {
        "name": "ARCH",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        },
        "currency": "AUD",
        "additionalInfo": "Archive search fee - Retrieval of account information - $50/per hour. Min $10"
      },
      {
        "name": "FEEADDCARD",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        },
        "currency": "AUD",
        "additionalInfo": "Additional card fee - Payable for the second and any subsequent card request per customer"
      },
      {
        "name": "FEEBILLCOLL",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "50.00"
        },
        "currency": "AUD",
        "additionalInfo": "Bill for collection fee - Payable when you deposit a foreign currency cheque of $5000 or more"
      },
      {
        "name": "FEECOINDEP",
        "feeType": "DEPOSIT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "2.00"
        },
        "currency": "AUD",
        "additionalInfo": "Coin deposit fee - Payable when you ask us to count large amounts of coin (over $200 in value). Not applicable when you use a coin counting $200 in value). Not applicable when you use a coin counting"
      },
      {
        "name": "FEEDDHON",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "15.00"
        },
        "currency": "AUD",
        "additionalInfo": "Direct Debit honour fee - Insufficient cleared funds in your account to meet debit request"
      },
      {
        "name": "FEEINACT",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "currency": "AUD",
        "additionalInfo": "Inactive account fee - Where your account has not been transacted upon for a period of 24 months or more"
      },
      {
        "name": "FEEFORCASH",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "rateBased",
        "rateBased": {
          "rateType": "BALANCE",
          "rate": "0.01",
          "accrualFrequency": "D"
        },
        "currency": "AUD",
        "additionalInfo": "Foreign Cash - When you purchase foreign cash. 1% of the order value in $AUD"
      },
      {
        "name": "FEEMANRET",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "15.00"
        },
        "currency": "AUD",
        "additionalInfo": "Manual return fee - direct debit - Payable each time you request us to manually return a direct debit payment without cancelling the direct debit arrangement"
      },
      {
        "name": "FEEPPALT",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "currency": "AUD",
        "additionalInfo": "Periodical payment alteration - Each additional alteration after a total of four consecutive alterations"
      },
      {
        "name": "FEECHQSPECCL",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "15.00"
        },
        "currency": "AUD",
        "additionalInfo": "Special cheque clearance - Special request for priority clearance on a cheque deposited to your account"
      },
      {
        "name": "FEETT",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "15.00"
        },
        "currency": "AUD",
        "additionalInfo": "Telegraphic Transfer - When you send money overseas in a foreign currency online"
      },
      {
        "name": "FEETTAUD",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "50.00"
        },
        "currency": "AUD",
        "additionalInfo": "Telegraphic Transfer AUD - When you send money overseas in Australian Dollars"
      },
      {
        "name": "FEEDETRACE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "currency": "AUD",
        "additionalInfo": "Transaction trace fee  - Payable when you request the trace of a BPAY, NPP/Osko or anyother external transaction"
      },
      {
        "name": "FEEDDDIS",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "15.00"
        },
        "currency": "AUD",
        "additionalInfo": "Direct Debit dishonour fee - Insufficient cleared funds in your account"
      },
      {
        "name": "FEEFORCHQ",
        "feeType": "DEPOSIT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "currency": "AUD",
        "additionalInfo": "Foreign currency cheque deposits - When you deposit a foreign currency cheque of under $5000 to your account"
      },
      {
        "name": "FEERTGS",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "currency": "AUD",
        "additionalInfo": "Real Time Gross Settlement - Where you request a transaction to be processed via RTGS"
      },
      {
        "name": "FEESTATREQ",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "2.00"
        },
        "currency": "AUD",
        "additionalInfo": "Statement request - A request to provide a copy statement or a statement on a passbook account $2 per page"
      },
      {
        "name": "FEECARDREP",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        },
        "currency": "AUD",
        "additionalInfo": "Card Issuance fee - Applicable when requesting the replacement of an existing card or when ordering a second or any additional card"
      },
      {
        "name": "FEECHQDIS",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "currency": "AUD",
        "additionalInfo": "Dishonour fee personal or business cheque - Insufficient cleared funds in your account, cheque returned to drawer"
      },
      {
        "name": "FEESTOPCHQ",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "currency": "AUD",
        "additionalInfo": "Stop cheque request - When you ask us to stop a cheque"
      },
      {
        "name": "FEEMEMCHQ",
        "feeType": "DEPOSIT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.80"
        },
        "currency": "AUD",
        "additionalInfo": "Member cheque - Payable when a cheque is deposited into an account"
      },
      {
        "name": "FEETTBR",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "30.00"
        },
        "currency": "AUD",
        "additionalInfo": "Telegraphic Transfer - When you send money overseas in a foreign currency staff assisted"
      }
    ],
    "depositRates": [
      {
        "depositRateType": "VARIABLE",
        "rate": "0.02",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P6M",
        "tiers": [
          {
            "name": "Retirement Account_Tier_1",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "0.00",
            "maximumValue": "49999.00",
            "rateApplicationMethod": "PER_TIER"
          }
        ]
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.023",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P6M",
        "tiers": [
          {
            "name": "Retirement Account_Tier_2",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "49999.01",
            "maximumValue": "250000.00",
            "rateApplicationMethod": "PER_TIER"
          }
        ]
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.033",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P6M",
        "tiers": [
          {
            "name": "Retirement Account_Tier_3",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "250000.01",
            "rateApplicationMethod": "PER_TIER"
          }
        ]
      }
    ],
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "productId": "S12V1",
    "lastUpdated": "2026-11-10T20:07:23.000+11:00",
    "name": "Retirement Account",
    "description": "An account specifically for age pensioners",
    "brand": "HUME BANK LIMITED",
    "brandName": "HUME BANK LIMITED",
    "applicationUri": "https://applynow.humebank.com.au/rao/s/portal?type=retirement",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.humebank.com.au/everyday/retirement-account/",
      "termsUri": "https://www.humebank.com.au/tools-help/product-tcs/",
      "eligibilityUri": "https://www.humebank.com.au/tools-help/product-tcs/",
      "feesAndPricingUri": "https://www.humebank.com.au/everyday/retirement-account/"
    }
  }
}