{
  "snapshot_at": "2026-10-22T13:25:30Z",
  "brand": "Police Bank",
  "brand_slug": "police-bank",
  "product_id": "4198e705-fe5c-4253-a666-6e19e97ee0da",
  "cdr_url": "https://public.cdr.prd.policebank.com.au/cds-au/v1/banking/products/4198e705-fe5c-4253-a666-6e19e97ee0da",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://public.cdr.prd.policebank.com.au/cds-au/v1/banking/products/4198e705-fe5c-4253-a666-6e19e97ee0da'",
  "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": {
    "brand": "Police Bank",
    "description": "Safeguard is a special purpose savings account to help you avoid penalty charges such as overdrawn service fees and dishonour fees. Your funds are at call and earn daily interest.",
    "isTailored": false,
    "lastUpdated": "2026-07-28T22:48:33.031Z",
    "name": "Safeguard Transaction Account",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "productId": "4198e705-fe5c-4253-a666-6e19e97ee0da",
    "additionalInformation": {
      "overviewUri": "https://www.policebank.com.au/banking/savings-accounts",
      "termsUri": null,
      "eligibilityUri": "https://cdn.mediavalet.com/aunsw/policebank/7CUQnB3u1ke5yhcMEKnPTQ/DVS8veryAUqlZZy8XE7kdQ/Original/PBS11_Safeguard-Account-TMD.pdf",
      "feesAndPricingUri": null,
      "bundleUri": null,
      "additionalOverviewUris": null,
      "additionalTermsUris": null,
      "additionalEligibilityUris": null,
      "additionalFeesAndPricingUris": null,
      "additionalBundleUris": null
    },
    "applicationUri": "https://www.policebank.com.au/banking/savings-accounts",
    "brandName": null,
    "brandGroup": null,
    "cardArt": [
      {
        "imageUri": "https://www.policebank.com.au/wp-content/uploads/2026/01/PB_D-CUSCAL-3993184-Police-Bank-V331HC-HOR-Digital-Artwork_512x321.png",
        "title": "Police Bank Visa Debit Card",
        "cardScheme": "VISA",
        "cardType": "DEBIT"
      }
    ],
    "effectiveFrom": "2020-09-24T08:44:00Z",
    "effectiveTo": null,
    "bundles": null,
    "constraints": null,
    "depositRates": [
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0001",
        "additionalInfo": "Balance $50,001 or more",
        "additionalInfoUri": "https://www.policebank.com.au/interest-rates/#",
        "additionalValue": null,
        "applicationFrequency": "P6M",
        "calculationFrequency": "P1D",
        "tiers": [
          {
            "name": "Tier 4",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "50001.00",
            "rateApplicationMethod": "PER_TIER",
            "additionalInfoUri": "https://www.policebank.com.au/interest-rates/#"
          }
        ],
        "applicationType": "PERIODIC",
        "applicabilityConditions": null
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0001",
        "additionalInfo": "Balance $500 to $20,000",
        "additionalInfoUri": "https://www.policebank.com.au/interest-rates/#",
        "additionalValue": null,
        "applicationFrequency": "P6M",
        "calculationFrequency": "P1D",
        "tiers": [
          {
            "name": "Tier 2",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "500.00",
            "maximumValue": "20000.00",
            "rateApplicationMethod": "PER_TIER",
            "additionalInfoUri": "https://www.policebank.com.au/interest-rates/#"
          }
        ],
        "applicationType": "PERIODIC",
        "applicabilityConditions": null
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0",
        "additionalInfo": "Balance $0 to $499",
        "additionalInfoUri": "https://www.policebank.com.au/interest-rates/#",
        "additionalValue": null,
        "applicationFrequency": "P6M",
        "calculationFrequency": "P1D",
        "tiers": [
          {
            "name": "Tier 1",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "0.00",
            "maximumValue": "499.00",
            "rateApplicationMethod": "PER_TIER",
            "additionalInfoUri": "https://www.policebank.com.au/interest-rates/#"
          }
        ],
        "applicationType": "PERIODIC",
        "applicabilityConditions": null
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0001",
        "additionalInfo": "Balance $20,001 to $50,000",
        "additionalInfoUri": "https://www.policebank.com.au/interest-rates/#",
        "additionalValue": null,
        "applicationFrequency": "P6M",
        "calculationFrequency": "P1D",
        "tiers": [
          {
            "name": "Tier 3",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "20001.00",
            "maximumValue": "50000.00",
            "rateApplicationMethod": "PER_TIER",
            "additionalInfoUri": "https://www.policebank.com.au/interest-rates/#"
          }
        ],
        "applicationType": "PERIODIC",
        "applicabilityConditions": null
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "Australian Citizens"
      },
      {
        "eligibilityType": "NATURAL_PERSON",
        "additionalInfo": "Individual",
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "Australian Residents"
      }
    ],
    "features": [
      {
        "featureType": "NPP_PAYID",
        "additionalInfo": "Email Address. Select the Contact Method that you would like to use for your PayID i.e. your mobile number or email address.",
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "featureType": "FREE_TXNS",
        "additionalInfo": "All Members receive 4 RediATM transactions and are therefore charged 1.37 per transaction. 4 without Reduced Fees Program",
        "additionalInfoUri": "https://www.policebank.com.au/pdf/Schedule_of_fees_and_charges.pdf",
        "additionalValue": "4"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Direct Debits. Set up Direct Debits from this account",
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Periodical Payments. Account allows Periodical Payments via Cheque and can also make External Periodical Payments",
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalInfo": "Pay with your Police Bank Visa Debit Cards using Apple Pay",
        "additionalInfoUri": null,
        "additionalValue": "Apple Pay"
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Phone Banking. You can pay bills via BPAY and check your account details or make transfers anytime or anywhere online with Internet Banking – the service is free.",
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "featureType": "BILL_PAYMENT",
        "additionalInfo": "BPAY - for your bill payments with access to the BPAY system*",
        "additionalInfoUri": "https://www.policebank.com.au/pdf/Access_Methods.pdf",
        "additionalValue": "BPAY"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalInfo": "Pay with your Police Bank Visa Debit Cards using Samsung Pay",
        "additionalInfoUri": null,
        "additionalValue": "Samsung Pay"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Visa PayWave. Our Debit Card is issued with the Visa PayWave ‘contactless’ payment feature. This allows you to pay for purchases under $100 without swiping, signing, or entering a PIN at participating merchants.",
        "additionalInfoUri": "https://www.policebank.com.au/pdf/financial_services_guide.pdf",
        "additionalValue": null
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Verified by Visa. Verified by Visa is a service designed to ensure you are protected while shopping online with your Visa card. As you make a purchase online, Police Bank assesses the risk of the transaction based on a number of factors. In some instances, you may be asked to confirm some personal details (date of birth, mother's maiden name, address details) so Police Bank can be sure the card isn't being used without your permission.",
        "additionalInfoUri": "https://www.policebank.com.au/faq/#visa",
        "additionalValue": null
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Visa Preferred Rewards. Our Visa Card provides access to the Visa Entertainment program. This gives you the opportunity to purchase unique deals including preferred seating at special events, discounts on retail as well as other exclusive offers",
        "additionalInfoUri": "https://www.policebank.com.au/visa-cards/",
        "additionalValue": null
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Internet Banking. You can pay bills via BPAY and check your account details or make transfers anytime or anywhere online with Internet Banking – the service is free.",
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "featureType": "NPP_PAYID",
        "additionalInfo": "Mobile Number. Select the Contact Method that you would like to use for your PayID i.e. your mobile number or email address.",
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Contributes to Reduced Fees Program. Simply maintain a combined monthly balance of $5000 or more worth of savings, investments or loans and you will receive more fee free ATM and EFTPOS transactions as well as qualify for fee rebates.",
        "additionalInfoUri": "https://www.policebank.com.au/pdf/financial_services_guide.pdf",
        "additionalValue": null
      },
      {
        "featureType": "FREE_TXNS",
        "additionalInfo": "In addition 4 other Financial Institution ATM withdrawal fees are rebated, max $8 a month if on Reduced Fees program. 10 free RediATM transactions if on Reduced Fees program",
        "additionalInfoUri": "https://www.policebank.com.au/pdf/Schedule_of_fees_and_charges.pdf",
        "additionalValue": "10"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Bank@Post. Withdraw cash at any participating Australia Post outlets with Bank@POST™",
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalInfo": "Pay with your Police Bank Visa Debit Cards using Google Pay",
        "additionalInfoUri": null,
        "additionalValue": "Google Pay"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Direct Credits. Set regular payments like your pay sent straight to your account",
        "additionalInfoUri": "https://www.policebank.com.au/pdf/financial_services_guide.pdf",
        "additionalValue": null
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "ATM withdrawals up to $1,000",
        "additionalInfoUri": "https://www.policebank.com.au/pdf/Schedule_of_fees_and_charges.pdf",
        "additionalValue": null
      },
      {
        "featureType": "NPP_ENABLED",
        "additionalInfo": "NPP allows participating banks and financial institutions to process, clear and settle Osko® Fast Payments (which are payments made and received in near real-time) and NPP Quick Payments. ",
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "featureType": "CARD_ACCESS",
        "additionalInfo": "A Police Bank Easy Access Account offers all the features you could ask from an everyday access facility",
        "additionalInfoUri": "https://www.policebank.com.au/visa-cards/#debitcard",
        "additionalValue": "Visa Debit"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Eftpos transactions. Eftpos transactions are free if on the Reduced Fees program, otherwise 25 transactions are free per month, thereafter will cost 0.55 per Eftpos transaction",
        "additionalInfoUri": "https://www.policebank.com.au/pdf/Schedule_of_fees_and_charges.pdf",
        "additionalValue": null
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Periodical Payments. Can set up Periodical Payments",
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "featureType": "INTEREST_FREE",
        "additionalInfo": null,
        "additionalInfoUri": "https://www.policebank.com.au/credit-card",
        "additionalValue": "P55D"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Direct Credits. Set regular payments like your pay sent straight to your account",
        "additionalInfoUri": "https://www.policebank.com.au/credit-card",
        "additionalValue": null
      },
      {
        "featureType": "NPP_ENABLED",
        "additionalInfo": "Yes",
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "featureType": "CARD_ACCESS",
        "additionalInfo": "Can be used at over 29 million Visa outlets in over 250 countries around the world",
        "additionalInfoUri": "https://www.policebank.com.au/credit-card",
        "additionalValue": "Credit Card"
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Internet Banking. You can pay bills via BPAY and check your account details or make transfers anytime or anywhere using our online with Internet Banking – the service is free.",
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Visa Preferred Rewards. Our Visa Card provides access to the Visa Entertainment program. This gives you the opportunity to purchase unique deals including preferred seating at special events, discounts on retail as well as other exclusive offers",
        "additionalInfoUri": "https://www.policebank.com.au/credit-card",
        "additionalValue": null
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "ATM withdrawals. up to $1000",
        "additionalInfoUri": "https://www.policebank.com.au/pdf/Schedule_of_fees_and_charges.pdf",
        "additionalValue": null
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Visa PayWave. Our Debit Card is issued with the Visa PayWave ‘contactless’ payment feature. This allows you to pay for purchases under $100 without swiping, signing, or entering a PIN at participating merchants.",
        "additionalInfoUri": "https://www.policebank.com.au/credit-card",
        "additionalValue": null
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Confirmation Of Payee",
        "additionalInfoUri": null,
        "additionalValue": null
      }
    ],
    "fees": [
      {
        "feeType": "PERIODIC",
        "name": "Bank@Post Cash Withdrawal fee",
        "additionalInfo": "Per transaction",
        "additionalInfoUri": "https://www.policebank.com.au/schedule-of-fees-and-charges",
        "additionalValue": "P1D",
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "2.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "DISHONOUR",
        "name": "Direct Debit Dishonour Fee",
        "additionalInfo": "Direct Debit Dishonour Fee per transaction",
        "additionalInfoUri": "https://www.policebank.com.au/schedule-of-fees-and-charges",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "9.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "WITHDRAWAL",
        "name": "Counter Cash withdrawal $25,000 and over",
        "additionalInfo": "Per cash withdrawal $25,000 or over",
        "additionalInfoUri": "https://www.policebank.com.au/schedule-of-fees-and-charges",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "50.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Coin Handling Fee",
        "additionalInfo": "Fee can also be 2 % of the amount whichever is the greater. Payable whenever coins deposited in a single month reach an accumulated value in excess of $100",
        "additionalInfoUri": "https://www.policebank.com.au/schedule-of-fees-and-charges",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "12.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Dormant Accounts fee",
        "additionalInfo": "After 3 years an account is classed as dormant if no Member transactions occur. Interest, fees\r\nand government charges are not classed as transactions.",
        "additionalInfoUri": "https://www.policebank.com.au/schedule-of-fees-and-charges",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Additional Statement Fee",
        "additionalInfo": "1.50 per page",
        "additionalInfoUri": "https://www.policebank.com.au/schedule-of-fees-and-charges",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Third Party Costs",
        "additionalInfo": "At Cost",
        "additionalInfoUri": "https://www.policebank.com.au/schedule-of-fees-and-charges",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Document Retrieval Fee",
        "additionalInfo": "Minimum $22.77 per hour retrieval fee and minimum $30 per hour administrative fee",
        "additionalInfoUri": "https://www.policebank.com.au/schedule-of-fees-and-charges",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Visa Overseas Emergency Fee",
        "additionalInfo": "Payable when you request an emergency replacement Visa Card or emergency Cash Advance overseas",
        "additionalInfoUri": "https://www.policebank.com.au/schedule-of-fees-and-charges",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "175.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "TRANSACTION",
        "name": "External Electronic Periodical Payments",
        "additionalInfo": "If part of the Reduced Fees program, the first 3 transactions are free",
        "additionalInfoUri": "https://www.policebank.com.au/schedule-of-fees-and-charges",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "1.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Replacement Card Fee",
        "additionalInfo": "Payable for any second or subsequent request for the replacement of a Visa Card.",
        "additionalInfoUri": "https://www.policebank.com.au/schedule-of-fees-and-charges",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "WITHDRAWAL",
        "name": "Counter Cash withdrawal fee up to $24,999",
        "additionalInfo": "First 3 free if part of Reduced Fees program",
        "additionalInfoUri": "https://www.policebank.com.au/schedule-of-fees-and-charges",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "2.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "TRANSACTION",
        "name": "Visa International Fees",
        "additionalInfo": "Payable if and when you use the Visa Card overseas and the transaction is in a\nforeign currency. All overseas transactions are converted to Australian dollars\nand are subject to this fee as a percentage of the value of the transaction. A\nproportion of the fee may be retained by Police Bank. The amount of this conversion is 3%\nfee is subject to change from time to time and we will advise you in advance.",
        "additionalInfoUri": "https://www.policebank.com.au/schedule-of-fees-and-charges",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "rateBased",
        "fixedAmount": null,
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.03",
          "accrualFrequency": null,
          "amountRange": null
        },
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      }
    ],
    "lendingRates": null,
    "instalments": null
  }
}