{
  "snapshot_at": "2026-10-22T13:25:11Z",
  "brand": "IMB Bank",
  "brand_slug": "imb-bank",
  "product_id": "TSA-35-1",
  "cdr_url": "https://openbank.openbanking.imb.com.au/cds-au/v1/banking/products/TSA-35-1",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://openbank.openbanking.imb.com.au/cds-au/v1/banking/products/TSA-35-1'",
  "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-35-1",
    "effectiveFrom": "2020-10-01T00:00:00+10:00",
    "lastUpdated": "2026-10-23T00:00:00+11:00",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "name": "DIY Super Account",
    "description": "A low cost, highly flexible investment and transaction account wrapped into one simple solution. For registered self managed super funds.",
    "brand": "IMB Bank",
    "applicationUri": "https://forms.office.com/Pages/ResponsePage.aspx?id=8D9qm2FxoU6kjcpZQjyIirUnMSc25JlOqodZZtLPKp9UNVRLOTIzM0dTQURKMThMMlczTUhXTEJaVy4u",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.imb.com.au/banking/saving-accounts/diy-super-account",
      "termsUri": "https://www.imb.com.au/important-information",
      "feesAndPricingUri": "https://www.imb.com.au/help-centre/rates-and-fees"
    },
    "features": [
      {
        "featureType": "FREE_TXNS_ALLOWANCE",
        "additionalValue": "",
        "additionalInfo": "IMB's Member Transaction Allowance applies to offset transaction fees on this account."
      },
      {
        "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": "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",
        "additionalInfoUri": "https://www.imb.com.au/banking/ways-to-bank/osko"
      },
      {
        "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.",
        "additionalInfoUri": "https://www.imb.com.au/banking/ways-to-bank/bpay"
      },
      {
        "featureType": "NOTIFICATIONS",
        "additionalValue": "IMB Alerts",
        "additionalInfo": "IMB Alerts keep you up to date by sending you SMS or email alerts regarding your banking. Account Alerts help you keep track of your finances and Internet Banking Security Alerts to help keep you safe online. You can register for Alerts in Internet Banking.",
        "additionalInfoUri": "https://www.imb.com.au/banking/ways-to-bank/imb-alerts"
      },
      {
        "featureType": "OTHER",
        "additionalValue": "Direct Debit",
        "additionalInfo": "Direct debit is available on this account type."
      },
      {
        "featureType": "OTHER",
        "additionalValue": "Direct Credit",
        "additionalInfo": "Direct Credit is available on this account type."
      },
      {
        "featureType": "OTHER",
        "additionalValue": "Scheduled Payments",
        "additionalInfo": "Schedule Electronic Funds Transfers or Periodic Payments via internet banking, in branch or telephone banking"
      },
      {
        "featureType": "OTHER",
        "additionalValue": "Electronic Funds Transfer",
        "additionalInfo": "Make and receive Electronic Funds Transfers (EFT) from 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": "Telephone Banking",
        "additionalInfo": "IMB's Phone Banking Service gives you 24 hour access to your accounts from any touchphone.",
        "additionalInfoUri": "https://www.imb.com.au/banking/ways-to-bank/phone-banking"
      },
      {
        "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": "OTHER",
        "additionalValue": "Chequebook",
        "additionalInfo": "As of 1 June 2021, IMB will not offer a cheque facility to customers that become Members on or after that date, or to existing Members who have not been issued a cheque facility before that date"
      },
      {
        "featureType": "OTHER",
        "additionalValue": "PayTo",
        "additionalInfo": "PayTo is available on this account type."
      },
      {
        "featureType": "FRAUD_PROTECTION"
      }
    ],
    "constraints": [
      {
        "constraintType": "OPENING_BALANCE",
        "additionalValue": "1"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "BUSINESS",
        "additionalInfo": "Only available to Registered Self-Managed Superannuation Funds"
      }
    ],
    "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": "Phone Banking - Operator Assisted – Purchase Financial Institution Cheque",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "6.00"
        },
        "currency": "AUD",
        "additionalInfo": "Per cheque",
        "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
      },
      {
        "name": "Phone Banking - Operator Assisted – Cheque bill payments",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "6.00"
        },
        "currency": "AUD",
        "additionalInfo": "Per cheque",
        "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
      },
      {
        "name": "Phone Banking - Operator Assisted - All other financial transactions",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.50"
        },
        "currency": "AUD",
        "additionalInfo": "Excludes phone enquiry, Cheque withdrawal/cheque bill payment.",
        "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
      },
      {
        "name": "Over the counter - cash deposit",
        "feeType": "DEPOSIT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.50"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
      },
      {
        "name": "Over the counter - Cheque deposit",
        "feeType": "DEPOSIT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.75"
        },
        "currency": "AUD",
        "additionalInfo": "Fee applies to each account that a cheque is deposited into. If a cheque deposit is split across multiple accounts, the fee is applied to each account separately.",
        "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
      },
      {
        "name": "Over the counter - Branch cash withdrawal",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "1.00"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
      },
      {
        "name": "Over the counter - Transfer to an IMB account",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.50"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
      },
      {
        "name": "Over the counter - BPAY",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.50"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
      },
      {
        "name": "Over the counter - Purchase Financial Institution Cheque",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "6.00"
        },
        "currency": "AUD",
        "additionalInfo": "Per cheque",
        "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
      },
      {
        "name": "Over the counter - Cheque bill payments",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "6.00"
        },
        "currency": "AUD",
        "additionalInfo": "Per cheque",
        "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
      },
      {
        "name": "Over the counter - Single direct credit to another financial institution",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.50"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
      },
      {
        "name": "Over the counter - Scheduled direct credit to another financial institution",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.50"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
      },
      {
        "name": "Other facilities - Direct debit by another institution or entity ",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.50"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
      },
      {
        "name": "Other facilities - Personal cheque withdrawal",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "1.00"
        },
        "currency": "AUD",
        "additionalInfo": "Per cheque",
        "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
      },
      {
        "name": "Other facilities - Cheque deposit",
        "feeType": "DEPOSIT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.75"
        },
        "currency": "AUD",
        "additionalInfo": "Fee applies to each account that a cheque is deposited into. If a cheque deposit is split across multiple accounts, the fee is applied to each account separately.",
        "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
      },
      {
        "name": "Other facilities - Scheduled cheque withdrawal",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "6.00"
        },
        "currency": "AUD",
        "additionalInfo": "Per cheque",
        "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
      },
      {
        "name": "Other facilities - Scheduled electronic withdrawal",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.50"
        },
        "currency": "AUD",
        "additionalInfo": "",
        "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
      },
      {
        "name": "Australia Post - Bank@Post withdrawal transaction",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "4.50"
        },
        "currency": "AUD",
        "additionalInfo": "Service availablility is at the discretion of the Australia post outlet",
        "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
      },
      {
        "name": "Australia Post - Bank@Post deposit, enquiry & failed transactions",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "4.50"
        },
        "currency": "AUD",
        "additionalInfo": "Service availablility is at the discretion of the Australia post outlet",
        "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
      },
      {
        "name": "BPAY payment return",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
      },
      {
        "name": "Rejected post-dated BPAY",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "currency": "AUD",
        "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": "Stop payment personal cheque",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "15.00"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
      },
      {
        "name": "Copy of personal cheque",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "15.00"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
      },
      {
        "name": "Trace on personal 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": "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": "Bulk coin count",
        "feeType": "DEPOSIT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "currency": "AUD",
        "additionalInfo": "Maximum charge",
        "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": [
      {
        "depositRateType": "VARIABLE",
        "rate": "0.029",
        "calculationFrequency": "P1D",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "$5,000 & above",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "5000",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalInfoUri": "https://www.imb.com.au/help-centre/rates-and-fees"
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0",
        "calculationFrequency": "P1D",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "Up to $4,999.99",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "0",
            "maximumValue": "4999",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalInfoUri": "https://www.imb.com.au/help-centre/rates-and-fees"
      }
    ]
  }
}