{
  "snapshot_at": "2026-10-22T13:25:34Z",
  "brand": "QBANK",
  "brand_slug": "qbank",
  "product_id": "S8_Xmas",
  "cdr_url": "https://banking.qbank.com.au/openbanking/cds-au/v1/banking/products/S8_Xmas",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://banking.qbank.com.au/openbanking/cds-au/v1/banking/products/S8_Xmas'",
  "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": "NPP_ENABLED"
      },
      {
        "featureType": "NPP_PAYID"
      },
      {
        "featureType": "BILL_PAYMENT",
        "additionalValue": "BPAY"
      },
      {
        "featureType": "NOTIFICATIONS",
        "additionalValue": "Track payments with SMS and email alerts"
      },
      {
        "featureType": "UNLIMITED_TXNS",
        "additionalInfo": "$5 fee on each withdrawal and transfer from this account bewteen 1 January and 31 October each year",
        "additionalInfoUri": "https://www.qbank.com.au/products/accounts/savings-accounts/christmas-club-account"
      },
      {
        "featureType": "BONUS_REWARDS",
        "additionalInfo": "Fee free withdrawals and transfers between 1 November and 31 December",
        "additionalInfoUri": "https://www.qbank.com.au/terms-conditions"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "You must be a member. Membership is open to current or former employees of police, ambulance, firies, health workers, emergency services, correctional services and government employees as well as their family members.",
        "additionalInfoUri": "https://www.qbank.com.au/who-can-join"
      }
    ],
    "fees": [
      {
        "name": "CHRISTMAS_CLUB_WITHDRAWAL_FEE",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "currency": "AUD",
        "additionalInfo": "Charged on all withdrawals and transfers from the account between 1 January and 31 October."
      },
      {
        "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": "0.0265",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M"
      }
    ],
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "productId": "S8_Xmas",
    "lastUpdated": "2026-10-15T06:34:53.000+10:00",
    "name": "Christmas Club",
    "description": "Lock away your savings to relax and enjoy the festive season",
    "brand": "QBANK",
    "brandName": "QBANK",
    "applicationUri": "https://applications.qbank.com.au/before-you-start/",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.qbank.com.au/products/accounts/savings-accounts/christmas-club-account/",
      "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/"
    }
  }
}