{
  "snapshot_at": "2026-10-22T13:25:34Z",
  "brand": "QBANK",
  "brand_slug": "qbank",
  "product_id": "S19_Intro",
  "cdr_url": "https://banking.qbank.com.au/openbanking/cds-au/v1/banking/products/S19_Intro",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://banking.qbank.com.au/openbanking/cds-au/v1/banking/products/S19_Intro'",
  "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": {
    "features": [
      {
        "featureType": "UNLIMITED_TXNS",
        "additionalInfo": "Unlimited free internet transfers"
      },
      {
        "featureType": "NPP_ENABLED"
      },
      {
        "featureType": "NPP_PAYID"
      },
      {
        "featureType": "BILL_PAYMENT",
        "additionalValue": "BPAY"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Our sweep service automatically transfers funds from certain savings accounts to cover most transactions which would otherwise exceed your transasction account's available balance.",
        "additionalInfoUri": "https://www.qbank.com.au/terms-conditions"
      },
      {
        "featureType": "NOTIFICATIONS",
        "additionalValue": "Track payments with SMS and email alerts"
      },
      {
        "featureType": "DIGITAL_BANKING"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "You must be a member. Membership is open to citizens or permanent residents of Australia who are current or former emplayees or volunteers in the Australian emergency services sector or are family members of members (i.e. shareholders) of the Bank.",
        "additionalInfoUri": "https://www.qbank.com.au/who-can-join"
      }
    ],
    "fees": [
      {
        "name": "DORMANCY",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "currency": "AUD",
        "additionalInfo": "Charge $10 every 6 months"
      },
      {
        "name": "RECALL_OF_BPAY",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "12.00"
        },
        "currency": "AUD"
      },
      {
        "name": "RECALL_OF_EXTERNAL_TRANSFER",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "40.00"
        },
        "currency": "AUD",
        "additionalInfo": "Includes NPP and OSKO transactions  to other financial institutions"
      },
      {
        "name": "RECALL_OF_TELEGRAPHIC_TRANSFER_(WITHIN_AUSTRALIA_&_OVERSEAS)",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "35.00"
        },
        "currency": "AUD"
      }
    ],
    "depositRates": [
      {
        "depositRateType": "VARIABLE",
        "rate": "0.056",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "Intro Saver_Tier_1",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "0.00",
            "maximumValue": "250000.00",
            "rateApplicationMethod": "PER_TIER"
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "NEW_ACCOUNTS",
            "additionalInfo": "New to bank funds are defined as funds from an external account. Internal QBANK to QBANK transfers will not be eligible.",
            "additionalInfoUri": "https://www.qbank.com.au/banking-accounts/savings-accounts/intro-saver/"
          }
        ]
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.027",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "Intro Saver_Tier_2",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "250000.01",
            "rateApplicationMethod": "PER_TIER"
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "NEW_ACCOUNTS",
            "additionalInfo": "New to bank funds are defined as funds from an external account. Internal QBANK to QBANK transfers will not be eligible.",
            "additionalInfoUri": "https://www.qbank.com.au/banking-accounts/savings-accounts/intro-saver/"
          }
        ]
      }
    ],
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "productId": "S19_Intro",
    "lastUpdated": "2026-10-15T06:31:36.000+10:00",
    "name": "Intro Saver",
    "description": "Earn Interest with unlimited transactions",
    "brand": "QBANK",
    "brandName": "QBANK",
    "applicationUri": "https://applications.qbank.com.au/before-you-start/",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.qbank.com.au/banking-accounts/savings-accounts/intro-saver/",
      "termsUri": "https://www.qbank.com.au/terms-conditions/",
      "eligibilityUri": "https://www.qbank.com.au/who-can-join/",
      "feesAndPricingUri": "https://www.qbank.com.au/rates-fees/"
    }
  }
}