{
  "snapshot_at": "2026-11-13T01:42:14Z",
  "brand": "Newcastle Permanent",
  "brand_slug": "newcastle-permanent",
  "product_id": "AC_onlinesavings",
  "cdr_url": "https://openbank.newcastlepermanent.com.au/cds-au/v1/banking/products/AC_onlinesavings",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://openbank.newcastlepermanent.com.au/cds-au/v1/banking/products/AC_onlinesavings'",
  "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": {
    "additionalInformation": {
      "eligibilityUri": "https://www.newcastlepermanent.com.au/tools-and-services/terms-and-conditions",
      "feesAndPricingUri": "https://www.newcastlepermanent.com.au/tools-and-services/terms-and-conditions",
      "overviewUri": "https://www.newcastlepermanent.com.au/personal/saving-accounts/online-savings-account",
      "termsUri": "https://www.newcastlepermanent.com.au/tools-and-services/terms-and-conditions"
    },
    "applicationUri": "https://www.newcastlepermanent.com.au/tools-and-services/apply-for-a-product",
    "brand": "NP",
    "brandName": "Newcastle Permanent",
    "bundles": [],
    "constraints": [],
    "depositRates": [
      {
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/tools-and-services/interest-rates",
        "additionalValue": "P3M",
        "applicabilityConditions": [],
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "depositRateType": "INTRODUCTORY",
        "rate": "0.0450000000",
        "tiers": [
          {
            "applicabilityConditions": [],
            "maximumValue": "99999999.99",
            "minimumValue": "0.00",
            "name": "Entire Balance",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "DOLLAR"
          }
        ]
      },
      {
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/tools-and-services/interest-rates",
        "applicabilityConditions": [],
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "depositRateType": "VARIABLE",
        "rate": "0.0100000000",
        "tiers": [
          {
            "applicabilityConditions": [],
            "minimumValue": "0.00",
            "name": "Entire Balance",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "DOLLAR"
          }
        ]
      }
    ],
    "description": "This high interest at-call savings account is designed to offer maximum flexibility with no monthly account or transaction fees.",
    "effectiveFrom": "2011-03-15T00:00:00+11:00",
    "effectiveTo": "9999-12-30T00:00:00+11:00",
    "eligibility": [
      {
        "additionalValue": "Available to permanent Australian Residents ",
        "eligibilityType": "RESIDENCY_STATUS"
      },
      {
        "additionalInfo": "All account owners have an Everyday Account or a Home Loan or a Credit Facility with Newcastle Permanent",
        "eligibilityType": "OTHER"
      },
      {
        "additionalInfo": "This account is for personal use by individuals (no age restrictions apply) including for Trusts and Self-Managed Superannuation Funds (SMSF) with personal trustees.",
        "eligibilityType": "NATURAL_PERSON"
      }
    ],
    "features": [
      {
        "additionalInfo": "Internet Banking and Mobile Banking",
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/tools-and-services/digital-banking",
        "featureType": "DIGITAL_BANKING"
      },
      {
        "additionalInfo": "Subject to amount limits",
        "featureType": "UNLIMITED_TXNS"
      },
      {
        "additionalInfo": "OSKO",
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/osko-and-payid",
        "featureType": "NPP_ENABLED"
      },
      {
        "additionalInfo": "OSKO",
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/osko-and-payid",
        "featureType": "NPP_PAYID"
      }
    ],
    "fees": [
      {
        "additionalInfo": " $60/hour (min $10/copy)",
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "variable",
        "feeType": "ENQUIRY",
        "name": "Document and Miscellaneous Service",
        "variable": {}
      },
      {
        "additionalInfo": "Unascertainable",
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "variable",
        "feeType": "WITHDRAWAL",
        "name": "Real Time Gross Settlements (RTGS) - Outward Third party financial institution fee",
        "variable": {}
      },
      {
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "feeType": "DEPOSIT",
        "fixedAmount": {
          "amount": "12.00"
        },
        "name": "Real Time Gross Settlements (RTGS) - Inward NPBS fee"
      },
      {
        "additionalInfo": "When you send an RTGS",
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "feeType": "WITHDRAWAL",
        "fixedAmount": {
          "amount": "30.00"
        },
        "name": "Real Time Gross Settlements (RTGS)"
      },
      {
        "additionalInfo": "Unascertainable",
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "variable",
        "feeType": "DEPOSIT",
        "name": "Real Time Gross Settlements (RTGS) - Inward Third party financial institution fee",
        "variable": {}
      }
    ],
    "isTailored": false,
    "lastUpdated": "2026-11-13T00:00:00+11:00",
    "lendingRates": [],
    "name": "Online Savings Account (including Intro)",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "productId": "AC_onlinesavings"
  }
}