{
  "snapshot_at": "2026-10-22T13:25:11Z",
  "brand": "IMB Bank",
  "brand_slug": "imb-bank",
  "product_id": "TSA-29-1",
  "cdr_url": "https://openbank.openbanking.imb.com.au/cds-au/v1/banking/products/TSA-29-1",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://openbank.openbanking.imb.com.au/cds-au/v1/banking/products/TSA-29-1'",
  "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": "TSA-29-1",
    "effectiveFrom": "2020-10-01T00:00:00+10:00",
    "lastUpdated": "2026-10-23T00:00:00+11:00",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "name": "Zoo Account",
    "description": "An account made for Kids. The IMB Zoo Account is a fun, interactive account that encourages kids to save by rewarding them for their efforts.",
    "brand": "IMB Bank",
    "applicationUri": "https://forms.office.com/Pages/ResponsePage.aspx?id=8D9qm2FxoU6kjcpZQjyIirUnMSc25JlOqodZZtLPKp9UNVRLOTIzM0dTQURKMThMMlczTUhXTEJaVy4u",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.imb.com.au/banking/transaction-accounts/zoo-account",
      "termsUri": "https://www.imb.com.au/important-information",
      "feesAndPricingUri": "https://www.imb.com.au/help-centre/rates-and-fees"
    },
    "features": [
      {
        "featureType": "UNLIMITED_TXNS"
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Internet Banking and Mobile Banking App.",
        "additionalInfoUri": "https://www.imb.com.au/banking/ways-to-bank/mobile-app"
      },
      {
        "featureType": "NPP_PAYID",
        "additionalInfo": "Create a PayID through IMB’s Internet Banking or Mobile Banking App to receive Osko payments.",
        "additionalInfoUri": "https://www.imb.com.au/banking/ways-to-bank/osko"
      },
      {
        "featureType": "OTHER",
        "additionalValue": "Direct Credit",
        "additionalInfo": "Direct Credit is available on this account type."
      },
      {
        "featureType": "OTHER",
        "additionalValue": "Receive Electronic Funds Transfers",
        "additionalInfo": "Receive Electronic Funds Transfers (EFT) to this account type."
      },
      {
        "featureType": "OTHER",
        "additionalValue": "Branch",
        "additionalInfo": "IMB boasts an extensive branch network throughout the Illawarra, Sydney, NSW South Coast, the ACT and Melbourne.",
        "additionalInfoUri": "https://www.imb.com.au/banking/ways-to-bank/branch"
      },
      {
        "featureType": "OTHER",
        "additionalValue": "Phone Banking Operator Assisted",
        "additionalInfo": "IMB consultants are available Monday to Friday 8am - 8pm and Saturday 9am - 4pm",
        "additionalInfoUri": "https://www.imb.com.au/banking/ways-to-bank/phone-banking"
      },
      {
        "featureType": "NPP_ENABLED",
        "additionalInfo": "This account type is enabled to recieve Osko payments, via the New Payments Platform (NPP) only. Osko is the faster way to receive money from friends, family and businesses. No more waiting days for money to change hands. Now you can  be paid in a matter of seconds",
        "additionalInfoUri": "https://www.imb.com.au/banking/ways-to-bank/osko"
      },
      {
        "featureType": "FRAUD_PROTECTION"
      }
    ],
    "constraints": [
      {
        "constraintType": "OPENING_BALANCE",
        "additionalValue": "1"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "0"
      },
      {
        "eligibilityType": "MAX_AGE",
        "additionalValue": "12"
      },
      {
        "eligibilityType": "NATURAL_PERSON"
      }
    ],
    "fees": [
      {
        "name": "Special clearance on cheques",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "16.00"
        },
        "currency": "AUD",
        "additionalInfo": "Maximum charge. Charges either wholly or partly imposed by third parties.",
        "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
      },
      {
        "name": "Trace on Electronic Debit/Credit",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
      },
      {
        "name": "Default Notice fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "30.00"
        },
        "currency": "AUD",
        "additionalInfo": "A Default Notice fee of $30 will be debited from your deposit account or Personal Credit Line facility, where you are in breach of the PDS and/or the schedule and IMB issues a notice to you demanding monies. Refer to the PDS Member Guide to Transactional Banking for further information.",
        "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
      },
      {
        "name": "Transfers between accounts to cover overdrawn balance",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "15.00"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
      },
      {
        "name": "Transaction Listing - Electronic - up to 10 pages",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "currency": "AUD",
        "additionalInfo": "",
        "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
      },
      {
        "name": "Transaction Listing - Electronic - 10 pages and over",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.50"
        },
        "currency": "AUD",
        "additionalInfo": "Per page",
        "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
      },
      {
        "name": "Interest statement - Electronic",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "2.50"
        },
        "currency": "AUD",
        "additionalInfo": "Per page",
        "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
      },
      {
        "name": "Copy of withdrawal or deposit form",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "15.00"
        },
        "currency": "AUD",
        "additionalInfo": "",
        "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
      },
      {
        "name": "Recalculation of interest",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "30.00"
        },
        "currency": "AUD",
        "additionalInfo": "Per page",
        "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
      },
      {
        "name": "Research fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "30.00"
        },
        "currency": "AUD",
        "additionalInfo": "Per page",
        "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
      },
      {
        "name": "Retrieval of archived documents",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "currency": "AUD",
        "additionalInfo": "Per page",
        "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
      },
      {
        "name": "Audit Certificate",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "30.00"
        },
        "currency": "AUD",
        "additionalInfo": "Per certificate",
        "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
      },
      {
        "name": "Unclaimed monies/dormant account",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "40.00"
        },
        "currency": "AUD",
        "additionalInfo": "Maximum charge per account",
        "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
      },
      {
        "name": "Total cash withdrawal over $2,000 in a day",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "rateBased",
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.002",
          "amountRange": {}
        },
        "currency": "AUD",
        "additionalInfo": "A fee of 0.2% of total cash withdrawals is charged for total cash withdrawals over $2000 in a day.",
        "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
      },
      {
        "name": "Manual deposit other institution",
        "feeType": "DEPOSIT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
      },
      {
        "name": "Trace on Financial Institution cheque",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "50.00"
        },
        "currency": "AUD",
        "additionalInfo": "Charges either wholly or partly imposed by third parties.",
        "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
      },
      {
        "name": "Copy of Financial Institution cheque",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "16.00"
        },
        "currency": "AUD",
        "additionalInfo": "Maximum charge. Charges either wholly or partly imposed by third parties.",
        "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
      },
      {
        "name": "Stop payment fee (IMB cheques)",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "12.50"
        },
        "currency": "AUD",
        "additionalInfo": "Maximum charge. Charges either wholly or partly imposed by third parties.",
        "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
      },
      {
        "name": "Foreign cheque conversion (value less than AU$10,000)",
        "feeType": "DEPOSIT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "25.00"
        },
        "currency": "AUD",
        "additionalInfo": "Minimum charge, subject to additional fees and charges. Charges either wholly or partly imposed by third parties",
        "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
      },
      {
        "name": "Foreign cheque conversion (value AU$10,000 and greater)",
        "feeType": "DEPOSIT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "50.00"
        },
        "currency": "AUD",
        "additionalInfo": "Minimum charge, subject to additional fees and charges. Charges either wholly or partly imposed by third parties",
        "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
      },
      {
        "name": "Purchase of foreign currency",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "rateBased",
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.01",
          "amountRange": {
            "feeMinimum": "10.00"
          }
        },
        "currency": "AUD",
        "additionalInfo": "$10 or 1% of the value of the total order (whichever is greater).",
        "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
      },
      {
        "name": "SMS Alerts ",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.25"
        },
        "currency": "AUD",
        "additionalInfo": "Per alert",
        "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
      },
      {
        "name": "Default fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "25.00"
        },
        "currency": "AUD",
        "additionalInfo": "When your savings account is overdrawn for 20 days, a Default fee will be debited from your account on the 20th day and a further Default fee debited each month thereafter while your account remains overdrawn.",
        "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
      }
    ],
    "depositRates": [
      {
        "applicationType": "PERIODIC",
        "depositRateType": "BONUS",
        "rate": "0.0465",
        "calculationFrequency": "P1D",
        "applicationFrequency": "P1M",
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "MAX_WITHDRAWALS",
            "additionalValue": "0",
            "additionalInfo": "Maximum 0 withdrawal in a month"
          },
          {
            "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
            "additionalValue": "10.00",
            "additionalInfo": "Minimum $10 deposit required with no withdrawals to meet Bonus Interest Criteria"
          }
        ],
        "additionalValue": "Standard Variable Bonus interest is payable when bonus interest criteria are met - a minimum $10 deposit and no withdrawals are made in the calendar month.",
        "additionalInfoUri": "https://www.imb.com.au/help-centre/rates-and-fees"
      },
      {
        "applicationType": "PERIODIC",
        "depositRateType": "VARIABLE",
        "rate": "0.001",
        "calculationFrequency": "P1D",
        "applicationFrequency": "P1M",
        "additionalInfoUri": "https://www.imb.com.au/help-centre/rates-and-fees"
      }
    ]
  }
}