{
  "snapshot_at": "2026-11-13T01:42:17Z",
  "brand": "P&N Bank",
  "brand_slug": "p-n-bank",
  "product_id": "280",
  "cdr_url": "https://public.cdr-api.pnbank.com.au/cds-au/v1/banking/products/280",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://public.cdr-api.pnbank.com.au/cds-au/v1/banking/products/280'",
  "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": "280",
    "effectiveFrom": "2024-07-11T14:30:00.0000000Z",
    "lastUpdated": "2026-11-13T00:00:22.6992039Z",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "name": "Savvy Saver Account",
    "description": "Want a savings account to deposit and hold or withdraw money for personal use without being penalised? A savings account that earns you additional bonus interest when the monthly bonus interest criteria is met each month.",
    "brand": "PNB",
    "brandName": "P&N Bank",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.pnbank.com.au/bank-and-save/savings-accounts/savvy-saver/",
      "termsUri": "https://www.pnbank.com.au/important-information/terms-and-conditions/savings-accounts-and-access-channels/",
      "feesAndPricingUri": "https://www.pnbank.com.au/help-and-support/fees/"
    },
    "features": [
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Transfer or make payments using our mobile app or internet banking. Payments made with PayID or using Osko are received in near real-time.",
        "additionalInfoUri": "https://www.pnbank.com.au/bank-and-save/digital-banking/"
      },
      {
        "featureType": "NPP_ENABLED",
        "additionalInfo": "Transfer or make payments using our mobile app or internet banking. Payments made with PayID or using Osko are received in near real-time.",
        "additionalInfoUri": "https://www.pnbank.com.au/bank-and-save/ways-to-pay/"
      },
      {
        "featureType": "NPP_PAYID",
        "additionalInfo": "Use your phone or email address as your PayID to securely send payments to and from banks almost instantly.",
        "additionalInfoUri": "https://www.pnbank.com.au/bank-and-save/ways-to-pay/"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Eligible members can deposit foreign cheques in branch. $10 fee for foreign cheque deposits up to $25,000 AUD and $60 fee for foreign cheque deposits over $25,000 AUD. Please contact us or visit your nearest branch for more information.",
        "additionalInfoUri": "https://www.pnbank.com.au/help-and-support/fees/everyday-and-savings-accounts/"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Earn bonus interest, when you deposit at least $500 into your eligible transaction account from an external source and make 5 eligible Visa Debit card transactions from your linked transaction account each month. For details refer to the website.",
        "additionalInfoUri": "https://www.pnbank.com.au/bank-and-save/savings-accounts/savvy-saver/"
      },
      {
        "featureType": "UNLIMITED_TXNS",
        "additionalInfo": "Save money with no monthly, minimum balance or transaction fees. Other fees and charges may apply. Please visit our website for full information.",
        "additionalInfoUri": "https://www.pnbank.com.au/bank-and-save/savings-accounts/savvy-saver/"
      }
    ],
    "constraints": [
      {
        "constraintType": "MAX_BALANCE",
        "additionalValue": "5000000.00",
        "additionalInfo": "Maximum balance is $5,000,000",
        "additionalInfoUri": "https://www.pnbank.com.au/bank-and-save/savings-accounts/savvy-saver/"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18",
        "additionalInfoUri": "https://www.pnbank.com.au/bank-and-save/savings-accounts/savvy-saver/"
      },
      {
        "eligibilityType": "NATURAL_PERSON",
        "additionalInfo": "Member must be a natural person rather than another legal entity.",
        "additionalInfoUri": "https://www.pnbank.com.au/bank-and-save/savings-accounts/savvy-saver/"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "You must be or become a P&N Bank member",
        "additionalInfoUri": "https://www.pnbank.com.au/bank-and-save/savings-accounts/savvy-saver/"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "You must be an Australian citizen and/or resident or a non-resident with a qualifying visa evidencing 12 months or longer residency. A valid Australian address is required to open an account. Membership eligibility applies.",
        "additionalInfoUri": "https://www.pnbank.com.au/bank-and-save/savings-accounts/savvy-saver/"
      }
    ],
    "fees": [
      {
        "name": "Overseas Telegraphic Transfer Fee",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "45.00"
        },
        "currency": "AUD",
        "additionalInfo": "$45 per staff assisted telegraphic transfer sent in AUD currency. $30 per staff assisted telegraphic transfer sent in a foreign currency.",
        "additionalInfoUri": "https://www.pnbank.com.au/help-and-support/fees/everyday-and-savings-accounts/"
      },
      {
        "name": "International Transfer Fee",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "15.00"
        },
        "currency": "AUD",
        "additionalInfo": "Per online banking transfer sent in a foreign currency.",
        "additionalInfoUri": "https://www.pnbank.com.au/help-and-support/fees/everyday-and-savings-accounts/"
      },
      {
        "name": "Bank Cheque Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        },
        "currency": "AUD",
        "additionalInfo": "Per bank cheque requested by you.",
        "additionalInfoUri": "https://www.pnbank.com.au/help-and-support/fees/everyday-and-savings-accounts/"
      },
      {
        "name": "Cash Handling Fee",
        "feeType": "TRANSACTION",
        "feeMethodUType": "variable",
        "variable": {},
        "currency": "AUD",
        "additionalInfo": "Coin and note deposits are available at P&N branches. Coin deposits must be counted and bagged by customers or you will be charged 5% of the coin amount. Note deposits more than $10,000 per day will be charged at 0.25% of the deposit amount.",
        "additionalInfoUri": "https://www.pnbank.com.au/help-and-support/fees/everyday-and-savings-accounts/"
      },
      {
        "name": "Cash Passport Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        },
        "currency": "AUD",
        "additionalInfo": "For the initial activation and each currency top-up requested in branch.",
        "additionalInfoUri": "https://www.pnbank.com.au/help-and-support/fees/everyday-and-savings-accounts/"
      },
      {
        "name": "Statement Retrieval Fee",
        "feeType": "REPLACEMENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "2.50"
        },
        "currency": "AUD",
        "additionalInfo": "Fee applies for statements over 12 months old. Payable on request to issue a copy of a previously issued statement.",
        "additionalInfoUri": "https://www.pnbank.com.au/help-and-support/fees/everyday-and-savings-accounts/"
      },
      {
        "name": "Manual Trace Fee",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "40.00"
        },
        "currency": "AUD",
        "additionalInfo": "Charged for your request to manually trace a payment to confirm receipt of payment.",
        "additionalInfoUri": "https://www.pnbank.com.au/help-and-support/fees/everyday-and-savings-accounts/"
      },
      {
        "name": "Audit Certificate Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "30.00"
        },
        "currency": "AUD",
        "additionalInfo": "Charged per audit certificate request.",
        "additionalInfoUri": "https://www.pnbank.com.au/help-and-support/fees/everyday-and-savings-accounts/"
      },
      {
        "name": "RTGS From Another Bank",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "8.00"
        },
        "currency": "AUD",
        "additionalInfo": "Per payment received into your account. To cover the cost of processing 'SWIFT' payments from overseas and same day local payments through 'RTGS' (Real Time Gross Settlement) systems.",
        "additionalInfoUri": "https://www.pnbank.com.au/help-and-support/fees/everyday-and-savings-accounts/"
      },
      {
        "name": "External Auto Transfer Fee",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "3.00"
        },
        "currency": "AUD",
        "additionalInfo": "Staff assisted creation of a recurring auto transfer payment to another organisation. Charged per payment.",
        "additionalInfoUri": "https://www.pnbank.com.au/help-and-support/fees/everyday-and-savings-accounts/"
      },
      {
        "name": "Manual External Transfer Fee",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "2.50"
        },
        "currency": "AUD",
        "additionalInfo": "Staff assisted manual transfer to another organisation. Charged per transfer.",
        "additionalInfoUri": "https://www.pnbank.com.au/help-and-support/fees/everyday-and-savings-accounts/"
      },
      {
        "name": "RTGS To Another Bank",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "25.00"
        },
        "currency": "AUD",
        "additionalInfo": "Per payment sent from your account. To cover the cost of processing 'SWIFT' payments as same day local payments through 'RTGS' (Real Time Gross Settlement) systems.",
        "additionalInfoUri": "https://www.pnbank.com.au/help-and-support/fees/everyday-and-savings-accounts/"
      },
      {
        "name": "Referral Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "3.50"
        },
        "currency": "AUD",
        "additionalInfo": "Where an account has insufficient available funds to cover an auto transfer or direct debit transaction, and the transaction is honoured by P&N Bank.",
        "additionalInfoUri": "https://www.pnbank.com.au/help-and-support/fees/everyday-and-savings-accounts/"
      },
      {
        "name": "Dishonour Fee",
        "feeType": "DISHONOUR",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "6.00"
        },
        "currency": "AUD",
        "additionalInfo": "Where a direct debit is dishonoured due to insufficient funds.",
        "additionalInfoUri": "https://www.pnbank.com.au/help-and-support/fees/everyday-and-savings-accounts/"
      },
      {
        "name": "Auto Transfer Dishonour Fee",
        "feeType": "DISHONOUR",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "6.00"
        },
        "currency": "AUD",
        "additionalInfo": "Charged where there are insufficient funds in your account when an external auto transfer or BPAY payment is due to be made.",
        "additionalInfoUri": "https://www.pnbank.com.au/help-and-support/fees/everyday-and-savings-accounts/"
      },
      {
        "name": "Overdrawn Acct Management Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        },
        "currency": "AUD",
        "additionalInfo": "A fee applied in relation to any month where we allow the approved credit limit on your account to be exceeded by more than $50 or, if your account does not have an approved credit limit, if we allow you to overdraw your account by more than $50.",
        "additionalInfoUri": "https://www.pnbank.com.au/help-and-support/fees/everyday-and-savings-accounts/"
      }
    ],
    "depositRates": [
      {
        "depositRateType": "BUNDLE_BONUS",
        "rate": "0.053",
        "calculationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "EXISTING_CUST",
            "additionalInfo": "Rate available to existing customers.",
            "additionalInfoUri": "https://www.pnbank.com.au/bank-and-save/savings-accounts/savvy-saver/"
          },
          {
            "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
            "additionalValue": "500.00",
            "additionalInfo": "Rate is applied when you deposit at least $500 into your eligible transaction account from an external source.",
            "additionalInfoUri": "https://www.pnbank.com.au/bank-and-save/savings-accounts/savvy-saver/"
          },
          {
            "rateApplicabilityType": "MIN_PURCHASES",
            "additionalValue": "5",
            "additionalInfo": "Rate is applied when you make 5 eligible Visa Debit card transactions from your linked transaction account.",
            "additionalInfoUri": "https://www.pnbank.com.au/bank-and-save/savings-accounts/savvy-saver/"
          },
          {
            "rateApplicabilityType": "NEW_ACCOUNTS",
            "additionalInfo": "Rate available for new accounts.",
            "additionalInfoUri": "https://www.pnbank.com.au/bank-and-save/savings-accounts/savvy-saver/"
          },
          {
            "rateApplicabilityType": "NEW_CUSTOMER",
            "additionalInfo": "Rate available to new customers.\r\n",
            "additionalInfoUri": "https://www.pnbank.com.au/bank-and-save/savings-accounts/savvy-saver/"
          },
          {
            "rateApplicabilityType": "OTHER",
            "additionalInfo": "Bonus interest is paid on balances up to $100,000 with balances in excess of $100,000 receiving the standard rate.",
            "additionalInfoUri": "https://www.pnbank.com.au/bank-and-save/savings-accounts/savvy-saver/"
          }
        ],
        "additionalValue": "Bonus interest is applied on balances upto $100,000. When you deposit at least $500 into your eligible transaction account from an external source and make 5 eligible Visa Debit card transactions from your linked transaction account each month."
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.002",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "Floating Balance Tier 1",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "0.00",
            "maximumValue": "99999.99",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "EXISTING_CUST",
            "additionalInfo": "Rate available to existing customers.",
            "additionalInfoUri": "https://www.pnbank.com.au/bank-and-save/savings-accounts/savvy-saver/"
          },
          {
            "rateApplicabilityType": "NEW_ACCOUNTS",
            "additionalInfo": "Rate available for new accounts.",
            "additionalInfoUri": "https://www.pnbank.com.au/bank-and-save/savings-accounts/savvy-saver/"
          },
          {
            "rateApplicabilityType": "NEW_CUSTOMER",
            "additionalInfo": "Rate available to new customers.\r\n",
            "additionalInfoUri": "https://www.pnbank.com.au/bank-and-save/savings-accounts/savvy-saver/"
          }
        ]
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.002",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "Floating Balance Tier 2",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "100000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "EXISTING_CUST",
            "additionalInfo": "Rate available to existing customers.",
            "additionalInfoUri": "https://www.pnbank.com.au/bank-and-save/savings-accounts/savvy-saver/"
          },
          {
            "rateApplicabilityType": "NEW_ACCOUNTS",
            "additionalInfo": "Rate available for new accounts.",
            "additionalInfoUri": "https://www.pnbank.com.au/bank-and-save/savings-accounts/savvy-saver/"
          },
          {
            "rateApplicabilityType": "NEW_CUSTOMER",
            "additionalInfo": "Rate available to new customers.\r\n",
            "additionalInfoUri": "https://www.pnbank.com.au/bank-and-save/savings-accounts/savvy-saver/"
          }
        ]
      }
    ]
  }
}