{
  "snapshot_at": "2026-11-05T03:31:40Z",
  "brand": "ING BANK (Australia) Ltd",
  "brand_slug": "ing-bank-australia-ltd",
  "product_id": "2aeb8d10-5633-4c68-a1e5-0cd1e4ed7b1a",
  "cdr_url": "https://id.ob.ing.com.au/cds-au/v1/banking/products/2aeb8d10-5633-4c68-a1e5-0cd1e4ed7b1a",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://id.ob.ing.com.au/cds-au/v1/banking/products/2aeb8d10-5633-4c68-a1e5-0cd1e4ed7b1a'",
  "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": "2aeb8d10-5633-4c68-a1e5-0cd1e4ed7b1a",
    "effectiveFrom": "2004-03-31T23:00:00Z",
    "effectiveTo": "9999-12-31T01:00:00Z",
    "lastUpdated": "2026-08-11T06:21:03.003Z",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "name": "Business Optimiser",
    "description": "A high variable interest business savings account with 24/7 access.",
    "brand": "ING",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.ing.com.au/business/business-optimiser.html"
    },
    "features": [
      {
        "featureType": "UNLIMITED_TXNS",
        "additionalInfo": "Unlimited electronic transactions."
      },
      {
        "featureType": "DIGITAL_BANKING"
      },
      {
        "featureType": "NPP_PAYID",
        "additionalInfo": "No need for BSB and account number. Receive real time payments using your own unique ID."
      },
      {
        "featureType": "NOTIFICATIONS",
        "additionalValue": "Transaction notification",
        "additionalInfo": "Receive SMS notifications when your balance is above or below an amount, a withdrawal or deposit is made or when your salary is deposited."
      }
    ],
    "constraints": [
      {
        "constraintType": "MAX_BALANCE",
        "additionalValue": "5000000.00",
        "additionalInfo": "We may not accept a deposit to your Business Optimiser if it would result in the combined deposits of all your Business Optimiser(s) exceeding $5,000,000."
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18",
        "additionalInfo": "You need to nominate between one and four authorised users to operate your Business Optimiser. They must be at least 18 years old."
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "You need to nominate between one and four authorised users to operate your Business Optimiser. They must be an Australian resident for taxation purposes."
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "You must be an account holder using the product for business purposes or with a Self-Managed Super Fund (SMSF)."
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "The account cannot be used by bare/informal trusts, public companies, unincorporated associations, or a statutory account."
      }
    ],
    "fees": [
      {
        "name": "Account fee",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD",
        "additionalValue": "P1M",
        "additionalInfo": "There are $0 monthly fees."
      }
    ],
    "depositRates": [
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0035",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M"
      },
      {
        "depositRateType": "INTRODUCTORY",
        "rate": "0.0075",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "Amount",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "0.00",
            "maximumValue": "1000000.00",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "applicabilityConditions": [
              {
                "rateApplicabilityType": "NEW_ACCOUNTS",
                "additionalInfo": "For the first six months, for new customers, on balances up to $1million."
              }
            ]
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "NEW_ACCOUNTS",
            "additionalInfo": "For the first six months, for new customers, on balances up to $1million."
          }
        ],
        "additionalValue": "P6M",
        "additionalInfo": "For the first six months, for new customers, on balances up to $1million."
      }
    ]
  }
}