{
  "snapshot_at": "2026-11-13T01:42:14Z",
  "brand": "Newcastle Permanent",
  "brand_slug": "newcastle-permanent",
  "product_id": "AC_smartsaver",
  "cdr_url": "https://openbank.newcastlepermanent.com.au/cds-au/v1/banking/products/AC_smartsaver",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://openbank.newcastlepermanent.com.au/cds-au/v1/banking/products/AC_smartsaver'",
  "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/smart-saver-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",
        "applicabilityConditions": [],
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "depositRateType": "BONUS",
        "rate": "0.0495000000",
        "tiers": [
          {
            "applicabilityConditions": [],
            "maximumValue": "250000.00",
            "minimumValue": "100000.00",
            "name": "$100000 - $250000",
            "rateApplicationMethod": "PER_TIER",
            "unitOfMeasure": "DOLLAR"
          }
        ]
      },
      {
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/tools-and-services/interest-rates",
        "applicabilityConditions": [],
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "depositRateType": "BONUS",
        "rate": "0.0495000000",
        "tiers": [
          {
            "applicabilityConditions": [],
            "minimumValue": "250000.00",
            "name": "$250000 +",
            "rateApplicationMethod": "PER_TIER",
            "unitOfMeasure": "DOLLAR"
          }
        ]
      },
      {
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/tools-and-services/interest-rates",
        "applicabilityConditions": [],
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "depositRateType": "BONUS",
        "rate": "0.0555000000",
        "tiers": [
          {
            "applicabilityConditions": [],
            "maximumValue": "50000.00",
            "minimumValue": "0.00",
            "name": "$0 - $50000",
            "rateApplicationMethod": "PER_TIER",
            "unitOfMeasure": "DOLLAR"
          }
        ]
      },
      {
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/tools-and-services/interest-rates",
        "applicabilityConditions": [],
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "depositRateType": "BONUS",
        "rate": "0.0495000000",
        "tiers": [
          {
            "applicabilityConditions": [],
            "maximumValue": "100000.00",
            "minimumValue": "50000.00",
            "name": "$50000 - $100000",
            "rateApplicationMethod": "PER_TIER",
            "unitOfMeasure": "DOLLAR"
          }
        ]
      },
      {
        "additionalInfo": "Standard interest is earned every calendar month that your smart saver account has maintained a positive balance. The standard variable rate applies to your entire balance, regardless of if the bonus conditions are met.",
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/tools-and-services/interest-rates",
        "applicabilityConditions": [],
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "depositRateType": "VARIABLE",
        "rate": "0.0005000000",
        "tiers": [
          {
            "applicabilityConditions": [],
            "minimumValue": "0.00",
            "name": "Entire Balance",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "DOLLAR"
          }
        ]
      }
    ],
    "description": "This savings account is designed to help members reach their savings goals.",
    "effectiveFrom": "2017-02-26T00:00:00+11:00",
    "effectiveTo": "9999-12-30T00:00:00+11:00",
    "eligibility": [
      {
        "additionalInfo": "This account is for personal use by individuals including for Trusts and Self-Managed Superannuation Funds (SMSF) with personal trustees.",
        "eligibilityType": "NATURAL_PERSON"
      },
      {
        "additionalInfo": "At least one account holder must be 25 years of age or older at the date of opening",
        "additionalValue": "25",
        "eligibilityType": "MIN_AGE"
      },
      {
        "additionalValue": "Available to permanent Australian Residents ",
        "eligibilityType": "RESIDENCY_STATUS"
      }
    ],
    "features": [
      {
        "additionalInfo": "Available for Visa cards only.",
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/tools-and-services/mobile-payments",
        "additionalValue": "Google Pay",
        "featureType": "DIGITAL_WALLET"
      },
      {
        "additionalInfo": "Internet Banking and Mobile Banking",
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/tools-and-services/digital-banking",
        "featureType": "DIGITAL_BANKING"
      },
      {
        "additionalInfo": "OSKO",
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/osko-and-payid",
        "featureType": "NPP_ENABLED"
      },
      {
        "additionalInfo": "Unlimited free BPay, Visa Debit card purchase (when pressing the credit button), eftpos, Automatic transfers, and Internet banking transactions (branch transactions not included). Subject to amount limits.",
        "featureType": "UNLIMITED_TXNS"
      },
      {
        "additionalInfo": "2 free branch withdrawals per month.",
        "additionalValue": "2",
        "featureType": "FREE_TXNS"
      },
      {
        "additionalInfo": "OSKO",
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/osko-and-payid",
        "featureType": "NPP_PAYID"
      },
      {
        "additionalValue": "BPAY View",
        "featureType": "BILL_PAYMENT"
      },
      {
        "additionalInfo": "Visa Debit Cards are only available for accounts opened pre-1 May 2024.",
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/tools-and-services/accessing-your-money",
        "additionalValue": "Visa Debit Card",
        "featureType": "CARD_ACCESS"
      },
      {
        "additionalInfo": "Available for Visa cards only.",
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/tools-and-services/mobile-payments",
        "additionalValue": "Apple Pay",
        "featureType": "DIGITAL_WALLET"
      }
    ],
    "fees": [
      {
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "feeType": "REPLACEMENT",
        "fixedAmount": {
          "amount": "100.00"
        },
        "name": "Card Replacement Overseas"
      },
      {
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "feeType": "WITHDRAWAL",
        "fixedAmount": {
          "amount": "10.00"
        },
        "name": "Financial Institution Cheque"
      },
      {
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "feeType": "DISHONOUR",
        "fixedAmount": {
          "amount": "9.00"
        },
        "name": "Dishonour (Direct Debit and Cheque)"
      },
      {
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "feeType": "EVENT",
        "fixedAmount": {
          "amount": "5.00"
        },
        "name": "Account Overdrawn"
      },
      {
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "feeType": "CASH_ADVANCE",
        "fixedAmount": {
          "amount": "5.00"
        },
        "name": "Visa Cash Advance Fee"
      },
      {
        "additionalInfo": "Unascertainable",
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "variable",
        "feeType": "DEPOSIT",
        "name": "Real Time Gross Settlements (RTGS) - Inward Third party financial institution fee",
        "variable": {}
      },
      {
        "additionalInfo": "Unascertainable",
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "variable",
        "feeType": "WITHDRAWAL",
        "name": "Real Time Gross Settlements (RTGS) - Outward Third party financial institution fee",
        "variable": {}
      },
      {
        "additionalInfo": "2 free Branch Withdrawals per month",
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "feeType": "WITHDRAWAL",
        "fixedAmount": {
          "amount": "3.00"
        },
        "name": "Branch Withdrawal"
      },
      {
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "feeType": "REPLACEMENT",
        "fixedAmount": {
          "amount": "15.00"
        },
        "name": "Financial Institution Cheque Replacement"
      },
      {
        "additionalInfo": " $60/hour (min $10/copy)",
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "variable",
        "feeType": "ENQUIRY",
        "name": "Document and Miscellaneous Service",
        "variable": {}
      },
      {
        "additionalInfo": "When you send an RTGS",
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "feeType": "WITHDRAWAL",
        "fixedAmount": {
          "amount": "30.00"
        },
        "name": "Real Time Gross Settlements (RTGS)"
      },
      {
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "rateBased",
        "feeType": "PURCHASE",
        "name": "Foreign Currency Conversion",
        "rateBased": {
          "rate": "0.0300",
          "rateType": "TRANSACTION"
        }
      },
      {
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "feeType": "DEPOSIT",
        "fixedAmount": {
          "amount": "12.00"
        },
        "name": "Real Time Gross Settlements (RTGS) - Inward NPBS fee"
      }
    ],
    "isTailored": false,
    "lastUpdated": "2026-11-13T00:00:00+11:00",
    "lendingRates": [],
    "name": "Smart Saver Account",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "productId": "AC_smartsaver"
  }
}