{
  "snapshot_at": "2026-11-13T01:42:14Z",
  "brand": "Newcastle Permanent",
  "brand_slug": "newcastle-permanent",
  "product_id": "AC_specialmonthlyinterest",
  "cdr_url": "https://openbank.newcastlepermanent.com.au/cds-au/v1/banking/products/AC_specialmonthlyinterest",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://openbank.newcastlepermanent.com.au/cds-au/v1/banking/products/AC_specialmonthlyinterest'",
  "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/everyday-banking/special-monthly-interest-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": [
      {
        "additionalInfo": "Credit interest you earn is worked out as strata interest at the annual rate divided by 365 on the portion of the balance within each strata. It is paid to the account on the last day of each calendar month.",
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/tools-and-services/interest-rates",
        "applicabilityConditions": [],
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "depositRateType": "VARIABLE",
        "rate": "0.0200000000",
        "tiers": [
          {
            "applicabilityConditions": [],
            "maximumValue": "50000.00",
            "minimumValue": "10000.00",
            "name": "$10000 - $49999",
            "rateApplicationMethod": "PER_TIER",
            "unitOfMeasure": "DOLLAR"
          }
        ]
      },
      {
        "additionalInfo": "Credit interest you earn is worked out as strata interest at the annual rate divided by 365 on the portion of the balance within each strata. It is paid to the account on the last day of each calendar month.",
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/tools-and-services/interest-rates",
        "applicabilityConditions": [],
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "depositRateType": "VARIABLE",
        "rate": "0.0205000000",
        "tiers": [
          {
            "applicabilityConditions": [],
            "minimumValue": "250000.00",
            "name": "$250000 plus",
            "rateApplicationMethod": "PER_TIER",
            "unitOfMeasure": "DOLLAR"
          }
        ]
      },
      {
        "additionalInfo": "Credit interest you earn is worked out as strata interest at the annual rate divided by 365 on the portion of the balance within each strata. It is paid to the account on the last day of each calendar month.",
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/tools-and-services/interest-rates",
        "applicabilityConditions": [],
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "depositRateType": "VARIABLE",
        "rate": "0.0001000000",
        "tiers": [
          {
            "applicabilityConditions": [],
            "maximumValue": "10000.00",
            "minimumValue": "0.00",
            "name": "Up to $9999",
            "rateApplicationMethod": "PER_TIER",
            "unitOfMeasure": "DOLLAR"
          }
        ]
      },
      {
        "additionalInfo": "Credit interest you earn is worked out as strata interest at the annual rate divided by 365 on the portion of the balance within each strata. It is paid to the account on the last day of each calendar month.",
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/tools-and-services/interest-rates",
        "applicabilityConditions": [],
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "depositRateType": "VARIABLE",
        "rate": "0.0205000000",
        "tiers": [
          {
            "applicabilityConditions": [],
            "maximumValue": "250000.00",
            "minimumValue": "50000.00",
            "name": "$50000 - $249999",
            "rateApplicationMethod": "PER_TIER",
            "unitOfMeasure": "DOLLAR"
          }
        ]
      }
    ],
    "description": "A flexible everyday account specially designed for pensioners and retirees offering the peace of mind knowing their retirement savings or pension income is working hard and earning interest.",
    "effectiveFrom": "1996-06-22T00:00:00+10:00",
    "effectiveTo": "9999-12-30T00:00:00+11:00",
    "eligibility": [
      {
        "additionalInfo": "This account is for personal use by individuals ",
        "eligibilityType": "NATURAL_PERSON"
      },
      {
        "additionalValue": "Available to permanent Australian Residents ",
        "eligibilityType": "RESIDENCY_STATUS"
      },
      {
        "additionalInfo": "Must be 55 years of age or over; receiving an eligible government pension; or a Member of the Association of Independent Retirees.",
        "eligibilityType": "OTHER"
      }
    ],
    "features": [
      {
        "additionalInfo": "OSKO",
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/osko-and-payid",
        "featureType": "NPP_PAYID"
      },
      {
        "additionalInfo": "6 free branch transactions per month. Additional free transactions may apply (up to a maximum of 30 per month), based on account balance and/or automatic transfers in place.",
        "additionalValue": "6",
        "featureType": "FREE_TXNS"
      },
      {
        "additionalInfo": "OSKO",
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/osko-and-payid",
        "featureType": "NPP_ENABLED"
      },
      {
        "additionalInfo": "Available for Visa cards only.",
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/tools-and-services/mobile-payments",
        "additionalValue": "Apple Pay",
        "featureType": "DIGITAL_WALLET"
      },
      {
        "additionalInfo": "Cheque book available (must be 18+).",
        "featureType": "OTHER"
      },
      {
        "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"
      },
      {
        "additionalValue": "BPAY View",
        "featureType": "BILL_PAYMENT"
      },
      {
        "additionalValue": "Visa Debit Card (Cashcard no longer available for issue from 27 November 2024).",
        "featureType": "CARD_ACCESS"
      },
      {
        "additionalInfo": "Internet Banking and Mobile Banking",
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/tools-and-services/digital-banking",
        "featureType": "DIGITAL_BANKING"
      },
      {
        "additionalInfo": "Available for Visa cards only.",
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/tools-and-services/mobile-payments",
        "additionalValue": "Google Pay",
        "featureType": "DIGITAL_WALLET"
      }
    ],
    "fees": [
      {
        "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": "REPLACEMENT",
        "fixedAmount": {
          "amount": "100.00"
        },
        "name": "Card Replacement Overseas"
      },
      {
        "additionalInfo": "6 free Branch Withdrawals per month. Can qualify for additional free transactions (up to 30) as per the product schedule.",
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "feeType": "WITHDRAWAL",
        "fixedAmount": {
          "amount": "3.00"
        },
        "name": "Branch Withdrawal"
      },
      {
        "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": "fixedAmount",
        "feeType": "DEPOSIT",
        "fixedAmount": {
          "amount": "12.00"
        },
        "name": "Real Time Gross Settlements (RTGS) - Inward NPBS fee"
      },
      {
        "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": "0.50"
        },
        "name": "Cheque Clearance"
      },
      {
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "feeType": "EVENT",
        "fixedAmount": {
          "amount": "5.00"
        },
        "name": "Account Overdrawn"
      },
      {
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "feeType": "DISHONOUR",
        "fixedAmount": {
          "amount": "9.00"
        },
        "name": "Dishonour (Direct Debit and Cheque)"
      },
      {
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "feeType": "REPLACEMENT",
        "fixedAmount": {
          "amount": "15.00"
        },
        "name": "Financial Institution Cheque Replacement"
      },
      {
        "additionalInfo": "2 free per month, $10 after that",
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "feeType": "WITHDRAWAL",
        "fixedAmount": {
          "amount": "10.00"
        },
        "name": "Financial Institution Cheque Fee"
      },
      {
        "additionalInfo": "$60/hour (min $10/copy).",
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "variable",
        "feeType": "ENQUIRY",
        "name": "Document and Miscellaneous Service",
        "variable": {}
      },
      {
        "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": {}
      }
    ],
    "isTailored": false,
    "lastUpdated": "2026-11-13T00:00:00+11:00",
    "lendingRates": [],
    "name": "Special Monthly Interest ",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "productId": "AC_specialmonthlyinterest"
  }
}