{
  "snapshot_at": "2026-11-13T01:42:17Z",
  "brand": "P&N Bank",
  "brand_slug": "p-n-bank",
  "product_id": "35",
  "cdr_url": "https://public.cdr-api.pnbank.com.au/cds-au/v1/banking/products/35",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://public.cdr-api.pnbank.com.au/cds-au/v1/banking/products/35'",
  "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": "35",
    "effectiveFrom": "2012-01-29T13:30:00.0000000Z",
    "lastUpdated": "2026-11-13T00:00:22.6992039Z",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "name": "Way Cool Saver",
    "description": "It's never too early to learn the value of money. And a Way Cool Saver is a great way to get started. Teach your kids to save more and spend less of their pocket money - handy skills to have down the track.",
    "brand": "PNB",
    "brandName": "P&N Bank",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.pnbank.com.au/bank-and-save/savings-accounts/way-cool-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/everyday-and-savings-accounts/"
    },
    "features": [
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Access to internet banking and the mobile app is available for kids between the ages of 12 and 15, with parental permission. Please contact us on 13 25 77 or pop into your nearest branch for more information.",
        "additionalInfoUri": "https://www.pnbank.com.au/bank-and-save/digital-banking/mobile-app/"
      },
      {
        "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": "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 on 13 25 77 or visit your nearest branch for more information.",
        "additionalInfoUri": "https://www.pnbank.com.au/help-and-support/fees/everyday-and-savings-accounts/"
      },
      {
        "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/way-cool-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/way-cool-saver"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "MAX_AGE",
        "additionalValue": "15",
        "additionalInfo": "Just for kids between 0 to 15 years of age",
        "additionalInfoUri": "https://www.pnbank.com.au/bank-and-save/savings-accounts/way-cool-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/way-cool-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/way-cool-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/way-cool-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": "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": "Statement Retrieval Fee",
        "feeType": "REPLACEMENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "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": "0.00"
        },
        "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": "0.00"
        },
        "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": "Manual External Transfer Fee",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "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": "0.00"
        },
        "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": "Foreign Cheque Deposit <$25,000 Fee",
        "feeType": "DEPOSIT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        },
        "currency": "AUD",
        "additionalInfo": "$10 fee for foreign cheque deposits up to $25,000 AUD. Eligible members can deposit foreign cheques in branch.",
        "additionalInfoUri": "https://www.pnbank.com.au/help-and-support/fees/everyday-and-savings-accounts/"
      },
      {
        "name": "Foreign Cheque Deposit $25,000+ Fee",
        "feeType": "DEPOSIT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "60.00"
        },
        "currency": "AUD",
        "additionalInfo": "$60 fee for foreign cheque deposits of $25,000 AUD or more. Eligible members can deposit foreign cheques in branch.",
        "additionalInfoUri": "https://www.pnbank.com.au/help-and-support/fees/everyday-and-savings-accounts/"
      }
    ],
    "depositRates": [
      {
        "depositRateType": "VARIABLE",
        "rate": "0.038",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "Floating Balance Tier 1",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "0.00",
            "maximumValue": "5000.00",
            "rateApplicationMethod": "PER_TIER"
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "EXISTING_CUST",
            "additionalInfo": "Rate available to existing customers.",
            "additionalInfoUri": "https://www.pnbank.com.au/bank-and-save/savings-accounts/way-cool-saver"
          },
          {
            "rateApplicabilityType": "NEW_ACCOUNTS",
            "additionalInfo": "Rate available for new accounts.",
            "additionalInfoUri": "https://www.pnbank.com.au/bank-and-save/savings-accounts/way-cool-saver"
          },
          {
            "rateApplicabilityType": "NEW_CUSTOMER",
            "additionalInfo": "Rate available to new customers.",
            "additionalInfoUri": "https://www.pnbank.com.au/bank-and-save/savings-accounts/way-cool-saver"
          }
        ]
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "Floating Balance Tier 2",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "5000.01",
            "rateApplicationMethod": "PER_TIER"
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "EXISTING_CUST",
            "additionalInfo": "Rate available to existing customers.",
            "additionalInfoUri": "https://www.pnbank.com.au/bank-and-save/savings-accounts/way-cool-saver"
          },
          {
            "rateApplicabilityType": "NEW_ACCOUNTS",
            "additionalInfo": "Rate available for new accounts.",
            "additionalInfoUri": "https://www.pnbank.com.au/bank-and-save/savings-accounts/way-cool-saver"
          },
          {
            "rateApplicabilityType": "NEW_CUSTOMER",
            "additionalInfo": "Rate available to new customers.",
            "additionalInfoUri": "https://www.pnbank.com.au/bank-and-save/savings-accounts/way-cool-saver"
          }
        ]
      }
    ]
  }
}