{
  "snapshot_at": "2026-11-05T03:31:40Z",
  "brand": "ING BANK (Australia) Ltd",
  "brand_slug": "ing-bank-australia-ltd",
  "product_id": "5dfd508b-e0c5-435c-a332-49d138cfdbaf",
  "cdr_url": "https://id.ob.ing.com.au/cds-au/v1/banking/products/5dfd508b-e0c5-435c-a332-49d138cfdbaf",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://id.ob.ing.com.au/cds-au/v1/banking/products/5dfd508b-e0c5-435c-a332-49d138cfdbaf'",
  "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": "5dfd508b-e0c5-435c-a332-49d138cfdbaf",
    "effectiveFrom": "2009-07-07T23:00:00Z",
    "effectiveTo": "9999-12-31T01:00:00Z",
    "lastUpdated": "2026-08-11T06:21:03.003Z",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "name": "Orange Everyday",
    "description": "An everyday transaction account with no monthly fees.",
    "brand": "ING",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.ing.com.au/everyday-banking.html"
    },
    "cardArt": [
      {
        "cardScheme": "VISA",
        "cardType": "DEBIT",
        "title": "OE",
        "imageUri": "https://www.ing.com.au/img/OO/OE_Visa_Debit.png"
      }
    ],
    "features": [
      {
        "featureType": "CARD_ACCESS",
        "additionalValue": "Visa Debit Card",
        "additionalInfo": "Use your own money with the convenience of Visa. Available worldwide where Visa is accepted and EFTPOS is available."
      },
      {
        "featureType": "UNLIMITED_TXNS",
        "additionalInfo": "Unlimited electronic transactions."
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Apple Pay",
        "additionalInfo": "Leave your wallet at home and pay the easy way with Apple Pay."
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Google Pay",
        "additionalInfo": "Leave your wallet at home and pay the easy way with Google Pay."
      },
      {
        "featureType": "DIGITAL_BANKING"
      },
      {
        "featureType": "NPP_PAYID",
        "additionalInfo": "No need for BSB and account number. Receive real time payments using your own unique ID."
      },
      {
        "featureType": "NPP_ENABLED"
      },
      {
        "featureType": "BILL_PAYMENT",
        "additionalValue": "BPAY",
        "additionalInfo": "Make payments the easy way."
      },
      {
        "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."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Everyday Round Up. An optional tool where every eligible card purchase you make is rounded up to the nearest $1 or $5 and the rounded up amount is shifted from your Orange Everyday to your nominated Savings Maximiser account, eligible ING Home Loan or charity."
      },
      {
        "featureType": "LOYALTY_PROGRAM",
        "additionalValue": "Utility bill cashback",
        "additionalInfo": "You could get 1% cashback on eligible gas, electricity and water bill payments made from your Orange Everyday account using BPAY or Direct Debit (BSB and account number). Cashback benefit of up to $100 per financial year. T&Cs apply"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18",
        "additionalInfo": "You must be aged 18 or over."
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "You must be an Australian resident for taxation purposes."
      }
    ],
    "fees": [
      {
        "name": "Account fee",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD",
        "additionalValue": "P1M",
        "additionalInfo": "There are $0 monthly fees."
      },
      {
        "name": "Expedited bank cheque request",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "11.00"
        },
        "currency": "AUD"
      },
      {
        "name": "International transactions",
        "feeType": "TRANSACTION",
        "feeMethodUType": "rateBased",
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.0000"
        },
        "currency": "AUD",
        "additionalInfo": "Pay no ING fees on international transactions (online, overseas and over the phone)"
      },
      {
        "name": "International ATM withdrawal",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD"
      }
    ]
  }
}