{
  "snapshot_at": "2026-11-13T01:42:02Z",
  "brand": "ING BANK (Australia) Ltd",
  "brand_slug": "ing-bank-australia-ltd",
  "product_id": "b7bb9da4-3913-484c-8d2d-3fc99b9b4a72",
  "cdr_url": "https://id.ob.ing.com.au/cds-au/v1/banking/products/b7bb9da4-3913-484c-8d2d-3fc99b9b4a72",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://id.ob.ing.com.au/cds-au/v1/banking/products/b7bb9da4-3913-484c-8d2d-3fc99b9b4a72'",
  "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": "b7bb9da4-3913-484c-8d2d-3fc99b9b4a72",
    "effectiveFrom": "1999-08-01T23:00:00Z",
    "effectiveTo": "2026-11-30T14:00:00Z",
    "lastUpdated": "2026-11-12T13:00:00Z",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "name": "Savings Maximiser",
    "description": "High variable interest rate. And no fees or penalties on withdrawals.",
    "brand": "ING",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.ing.com.au/savings/savings-maximiser.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": "NPP_ENABLED"
      },
      {
        "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 Savings Maximiser if it would result in the combined deposits of all your Savings Maximiser(s) (whether in individual or joint names) exceeding $5,000,000."
      }
    ],
    "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."
      }
    ],
    "depositRates": [
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0001",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M"
      },
      {
        "depositRateType": "BONUS",
        "rate": "0.0599",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "Amount",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "1000.00",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "applicabilityConditions": [
              {
                "rateApplicabilityType": "MIN_PURCHASES",
                "additionalValue": "5",
                "additionalInfo": "For customers who also have an Orange Everyday bank account and do this each month: Make 5 or more settled (not pending) eligible ING card purchases"
              },
              {
                "rateApplicabilityType": "DEPOSIT_BALANCE_INCREASED",
                "additionalValue": "0.01",
                "additionalInfo": "For customers who also have an Orange Everyday bank account and do this each month: Grow their nominated Savings Maximiser balance (excluding interest earned for the current month)."
              },
              {
                "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
                "additionalValue": "1000.00",
                "additionalInfo": "For customers who also have an Orange Everyday bank account and do this each month: Deposit at least $1,000 from an external source to an Orange Everyday, Savings Maximiser, Savings Accelerator, Personal Term Deposit, ING Personal Loan or ING Home Loan in your name."
              }
            ]
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "MIN_PURCHASES",
            "additionalValue": "5",
            "additionalInfo": "For customers who also have an Orange Everyday bank account and do this each month: Make 5 or more settled (not pending) eligible ING card purchases"
          },
          {
            "rateApplicabilityType": "DEPOSIT_BALANCE_INCREASED",
            "additionalValue": "0.01",
            "additionalInfo": "For customers who also have an Orange Everyday bank account and do this each month: Grow their nominated Savings Maximiser balance (excluding interest earned for the current month)."
          },
          {
            "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
            "additionalValue": "1000.00",
            "additionalInfo": "For customers who also have an Orange Everyday bank account and do this each month: Deposit at least $1,000 from an external source to an Orange Everyday, Savings Maximiser, Savings Accelerator, Personal Term Deposit, ING Personal Loan or ING Home Loan in your name."
          }
        ],
        "additionalValue": "P1M",
        "additionalInfo": "When the criteria is met in a calendar month, the benefits and additional variable rate will apply in the next calendar month. Available on one account for balances up to $100,000."
      }
    ]
  }
}