{
  "snapshot_at": "2026-11-12T02:33:17Z",
  "brand": "MyState Bank",
  "brand_slug": "mystate-bank",
  "product_id": "13002307",
  "cdr_url": "https://public.cdr.mystate.com.au/cds-au/v1/banking/products/13002307",
  "x_v": 5,
  "how_to_fetch": "curl -H 'x-v: 5' 'https://public.cdr.mystate.com.au/cds-au/v1/banking/products/13002307'",
  "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": {
    "brand": "MyState Bank",
    "description": "A savings account that doesn't require a linked transaction account or for you to grow your account balance or deposit a defined amount of money each month or penalise you for making a withdrawal. Pay bills straight from your savings using BPAY, direct debit, PayID or automatic transfers.",
    "isTailored": false,
    "lastUpdated": "2026-11-11T19:00:00.241954Z",
    "name": "Hello Saver account",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "productId": "13002307",
    "additionalInformation": {
      "overviewUri": null,
      "termsUri": "https://mystate.com.au/wp-content/uploads/terms.pdf",
      "eligibilityUri": null,
      "feesAndPricingUri": "https://mystate.com.au/wp-content/uploads/fees_savings.pdf",
      "bundleUri": null,
      "additionalOverviewUris": [],
      "additionalTermsUris": [],
      "additionalEligibilityUris": [],
      "additionalFeesAndPricingUris": [],
      "additionalBundleUris": []
    },
    "applicationUri": "https://mystate.com.au/bank-accounts/saving-accounts/hello-saver-account/",
    "brandName": "My State PM Production",
    "cardArt": [],
    "effectiveFrom": "2025-12-03T07:00:00Z",
    "effectiveTo": null,
    "bundles": [],
    "constraints": [],
    "depositRates": [
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0325",
        "additionalInfo": "Variable interest rate paid on portion of balance",
        "additionalInfoUri": "https://mystate.com.au/wp-content/uploads/rates_savings.pdf",
        "additionalValue": null,
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "tiers": [
          {
            "minimumValue": 500000.01,
            "name": ">$500k",
            "unitOfMeasure": "DOLLAR",
            "additionalInfo": "rates calculated daily and paid monthly",
            "additionalInfoUri": "https://mystate.com.au/wp-content/uploads/rates_savings.pdf",
            "applicabilityConditions": {
              "additionalInfo": "https://mystate.com.au/legal/",
              "additionalInfoUri": null
            },
            "maximumValue": null,
            "rateApplicationMethod": "PER_TIER"
          }
        ]
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.055",
        "additionalInfo": "Variable interest rate paid on the portion of the balance for existing customers and introductory period expiration",
        "additionalInfoUri": "https://mystate.com.au/wp-content/uploads/rates_savings.pdf",
        "additionalValue": null,
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "tiers": [
          {
            "minimumValue": 1,
            "name": "<$500k",
            "unitOfMeasure": "DOLLAR",
            "additionalInfo": "Rates calculated daily, paid monthly",
            "additionalInfoUri": "https://mystate.com.au/wp-content/uploads/rates_savings.pdf",
            "applicabilityConditions": {
              "additionalInfo": null,
              "additionalInfoUri": "https://mystate.com.au/legal/"
            },
            "maximumValue": 500000,
            "rateApplicationMethod": "PER_TIER"
          }
        ]
      },
      {
        "depositRateType": "INTRODUCTORY",
        "rate": "0.003",
        "additionalInfo": "Variable interest rate paid for the first four months for new customers",
        "additionalInfoUri": "https://mystate.com.au/wp-content/uploads/terms.pdf",
        "additionalValue": "P4M",
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "tiers": [
          {
            "minimumValue": 1,
            "name": "Welcome Rate",
            "unitOfMeasure": "DOLLAR",
            "additionalInfo": null,
            "additionalInfoUri": null,
            "applicabilityConditions": {
              "additionalInfo": null,
              "additionalInfoUri": "https://mystate.com.au/legal/"
            },
            "maximumValue": 500000,
            "rateApplicationMethod": "PER_TIER"
          }
        ]
      }
    ],
    "eligibility": [],
    "features": [
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Access available through online banking and mobile app.",
        "additionalInfoUri": "https://mystate.com.au/wp-content/uploads/terms.pdf",
        "additionalValue": null
      },
      {
        "featureType": "NPP_PAYID",
        "additionalInfo": null,
        "additionalInfoUri": "https://mystate.com.au/wp-content/uploads/terms.pdf",
        "additionalValue": null
      },
      {
        "featureType": "NPP_ENABLED",
        "additionalInfo": null,
        "additionalInfoUri": "https://mystate.com.au/wp-content/uploads/terms.pdf",
        "additionalValue": null
      },
      {
        "featureType": "UNLIMITED_TXNS",
        "additionalInfo": "Unlimited day to day transactions including transfers between your accounts, BPAY, Direct Debit, PayTo, PayID, scheduled payments",
        "additionalInfoUri": "https://mystate.com.au/wp-content/uploads/terms.pdf",
        "additionalValue": null
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "BPAY Payments can be made from Hello Saver",
        "additionalInfoUri": "https://mystate.com.au/wp-content/uploads/terms.pdf",
        "additionalValue": null
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "No requirement to link a transaction account",
        "additionalInfoUri": "https://mystate.com.au/wp-content/uploads/terms.pdf",
        "additionalValue": null
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Direct Debit payments can be made from Hello Saver",
        "additionalInfoUri": "https://mystate.com.au/wp-content/uploads/terms.pdf",
        "additionalValue": null
      }
    ],
    "fees": [
      {
        "feeType": "TRANSACTION",
        "name": "BPay",
        "accrualFrequency": null,
        "accruedRate": null,
        "additionalInfo": null,
        "additionalInfoUri": "https://mystate.com.au/wp-content/uploads/fees_savings.pdf",
        "additionalValue": null,
        "amount": "0.00",
        "balanceRate": null,
        "currency": "AUD",
        "discounts": [],
        "transactionRate": null
      },
      {
        "feeType": "EVENT",
        "name": "BPAY Query and Correction Fee",
        "accrualFrequency": null,
        "accruedRate": null,
        "additionalInfo": "Charged when you request a trace or a correction of a BPAY transaction",
        "additionalInfoUri": "https://mystate.com.au/wp-content/uploads/fees_savings.pdf",
        "additionalValue": null,
        "amount": "15.00",
        "balanceRate": null,
        "currency": "AUD",
        "discounts": [],
        "transactionRate": null
      },
      {
        "feeType": "TRANSACTION",
        "name": "MyState Bank Corporate Cheque",
        "accrualFrequency": null,
        "accruedRate": null,
        "additionalInfo": null,
        "additionalInfoUri": "https://mystate.com.au/wp-content/uploads/fees_savings.pdf",
        "additionalValue": null,
        "amount": "0.00",
        "balanceRate": null,
        "currency": "AUD",
        "discounts": [],
        "transactionRate": null
      },
      {
        "feeType": "TRANSACTION",
        "name": "Bank cheque",
        "accrualFrequency": null,
        "accruedRate": null,
        "additionalInfo": "When a bank cheque is requested",
        "additionalInfoUri": "https://mystate.com.au/wp-content/uploads/fees_savings.pdf",
        "additionalValue": null,
        "amount": "16.00",
        "balanceRate": null,
        "currency": "AUD",
        "discounts": [],
        "transactionRate": null
      },
      {
        "feeType": "TRANSACTION",
        "name": "Swift & EFT (Outward) within Australia",
        "accrualFrequency": null,
        "accruedRate": null,
        "additionalInfo": "Transfer of AUD in Australia that on receipt becomes available to the recipient via SWIFT electronic payments",
        "additionalInfoUri": "https://mystate.com.au/wp-content/uploads/fees_savings.pdf",
        "additionalValue": null,
        "amount": "15.00",
        "balanceRate": null,
        "currency": "AUD",
        "discounts": [],
        "transactionRate": null
      },
      {
        "feeType": "EVENT",
        "name": "Stop Payment",
        "accrualFrequency": null,
        "accruedRate": null,
        "additionalInfo": "Fee applies if we receive a request to stop a payment.",
        "additionalInfoUri": "https://mystate.com.au/wp-content/uploads/fees_savings.pdf",
        "additionalValue": null,
        "amount": "30.00",
        "balanceRate": null,
        "currency": "AUD",
        "discounts": [],
        "transactionRate": null
      },
      {
        "feeType": "TRANSACTION",
        "name": "Swift, Telegraphic & Electronic Transfer (Inward)",
        "accrualFrequency": null,
        "accruedRate": null,
        "additionalInfo": "SWIFT electronic payment or inward telegraphic transfer to us from another financial institution.",
        "additionalInfoUri": "https://mystate.com.au/wp-content/uploads/fees_savings.pdf",
        "additionalValue": null,
        "amount": "7.50",
        "balanceRate": null,
        "currency": "AUD",
        "discounts": [],
        "transactionRate": null
      },
      {
        "feeType": "TRANSACTION",
        "name": "Overdrawn Account Interest",
        "accrualFrequency": null,
        "accruedRate": null,
        "additionalInfo": null,
        "additionalInfoUri": "https://mystate.com.au/wp-content/uploads/fees_savings.pdf",
        "additionalValue": null,
        "amount": null,
        "balanceRate": null,
        "currency": "AUD",
        "discounts": [],
        "transactionRate": "0.00"
      },
      {
        "feeType": "EVENT",
        "name": "Transaction Trace Fee",
        "accrualFrequency": null,
        "accruedRate": null,
        "additionalInfo": "Per transaction or trace search",
        "additionalInfoUri": "https://mystate.com.au/wp-content/uploads/fees_savings.pdf",
        "additionalValue": null,
        "amount": "15.00",
        "balanceRate": null,
        "currency": "AUD",
        "discounts": [],
        "transactionRate": null
      },
      {
        "feeType": "EVENT",
        "name": "Certificates Supplied",
        "accrualFrequency": null,
        "accruedRate": null,
        "additionalInfo": "Charged when a certified letter or statement is required",
        "additionalInfoUri": "https://mystate.com.au/wp-content/uploads/fees_savings.pdf",
        "additionalValue": null,
        "amount": "10.00",
        "balanceRate": null,
        "currency": "AUD",
        "discounts": [],
        "transactionRate": null
      },
      {
        "feeType": "PERIODIC",
        "name": "Monthly account fee",
        "accrualFrequency": null,
        "accruedRate": null,
        "additionalInfo": null,
        "additionalInfoUri": "https://mystate.com.au/wp-content/uploads/fees_savings.pdf",
        "additionalValue": "P1M",
        "amount": "0.00",
        "balanceRate": null,
        "currency": "AUD",
        "discounts": [],
        "transactionRate": null
      },
      {
        "feeType": "TRANSACTION",
        "name": "Transfer to another MyState customer (in MyState Bank branch)",
        "accrualFrequency": null,
        "accruedRate": null,
        "additionalInfo": null,
        "additionalInfoUri": "https://mystate.com.au/wp-content/uploads/fees_savings.pdf",
        "additionalValue": null,
        "amount": "0.00",
        "balanceRate": null,
        "currency": "AUD",
        "discounts": [],
        "transactionRate": null
      },
      {
        "feeType": "TRANSACTION",
        "name": "Transfer between your account (MyState Bank branch)",
        "accrualFrequency": null,
        "accruedRate": null,
        "additionalInfo": null,
        "additionalInfoUri": "https://mystate.com.au/wp-content/uploads/fees_savings.pdf",
        "additionalValue": null,
        "amount": "0.00",
        "balanceRate": null,
        "currency": "AUD",
        "discounts": [],
        "transactionRate": null
      },
      {
        "feeType": "TRANSACTION",
        "name": "Cash withdrawal (MyState Bank Branch)",
        "accrualFrequency": null,
        "accruedRate": null,
        "additionalInfo": null,
        "additionalInfoUri": "https://mystate.com.au/wp-content/uploads/fees_savings.pdf",
        "additionalValue": null,
        "amount": "0.00",
        "balanceRate": null,
        "currency": "AUD",
        "discounts": [],
        "transactionRate": null
      },
      {
        "feeType": "TRANSACTION",
        "name": "PayTo",
        "accrualFrequency": null,
        "accruedRate": null,
        "additionalInfo": null,
        "additionalInfoUri": "https://mystate.com.au/wp-content/uploads/fees_savings.pdf",
        "additionalValue": null,
        "amount": "0.00",
        "balanceRate": null,
        "currency": "AUD",
        "discounts": [],
        "transactionRate": null
      },
      {
        "feeType": "TRANSACTION",
        "name": "Direct Debit",
        "accrualFrequency": null,
        "accruedRate": null,
        "additionalInfo": null,
        "additionalInfoUri": "https://mystate.com.au/wp-content/uploads/fees_savings.pdf",
        "additionalValue": null,
        "amount": "0.00",
        "balanceRate": null,
        "currency": "AUD",
        "discounts": [],
        "transactionRate": null
      },
      {
        "feeType": "TRANSACTION",
        "name": "Pay someone using PayId",
        "accrualFrequency": null,
        "accruedRate": null,
        "additionalInfo": null,
        "additionalInfoUri": "https://mystate.com.au/wp-content/uploads/fees_savings.pdf",
        "additionalValue": null,
        "amount": "0.00",
        "balanceRate": null,
        "currency": "AUD",
        "discounts": [],
        "transactionRate": null
      },
      {
        "feeType": "TRANSACTION",
        "name": "Transfer between your account",
        "accrualFrequency": null,
        "accruedRate": null,
        "additionalInfo": null,
        "additionalInfoUri": "https://mystate.com.au/wp-content/uploads/fees_savings.pdf",
        "additionalValue": null,
        "amount": "0.00",
        "balanceRate": null,
        "currency": "AUD",
        "discounts": [],
        "transactionRate": null
      },
      {
        "feeType": "TRANSACTION",
        "name": "Pay someone using BSB & account number",
        "accrualFrequency": null,
        "accruedRate": null,
        "additionalInfo": null,
        "additionalInfoUri": "https://mystate.com.au/wp-content/uploads/fees_savings.pdf",
        "additionalValue": null,
        "amount": "0.00",
        "balanceRate": null,
        "currency": "AUD",
        "discounts": [],
        "transactionRate": null
      }
    ],
    "lendingRates": []
  }
}