{
  "snapshot_at": "2026-10-22T13:25:35Z",
  "brand": "Qudos Bank",
  "brand_slug": "qudos-bank",
  "product_id": "a2261eee-2403-47b8-ad65-09f6f81d03a0",
  "cdr_url": "https://public.cdr.qudosbank.com.au/cds-au/v1/banking/products/a2261eee-2403-47b8-ad65-09f6f81d03a0",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://public.cdr.qudosbank.com.au/cds-au/v1/banking/products/a2261eee-2403-47b8-ad65-09f6f81d03a0'",
  "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": {
    "additionalInformation": {
      "eligibilityUri": "https://www.qudosbank.com.au/products/super-investing/diy-super-saver",
      "feesAndPricingUri": "https://www.qudosbank.com.au/products/super-investing/diy-super-saver",
      "overviewUri": "https://www.qudosbank.com.au/products/super-investing/diy-super-saver",
      "termsUri": "https://www.qudosbank.com.au/support/legal/new-to-bank-terms-and-conditions"
    },
    "applicationUri": "https://www.qudosbank.com.au/products/super-investing/diy-super-saver",
    "brand": "Qudos Bank",
    "description": "Give your Self-Managed Super Fund a boost.\nSecure a great rate with our DIY Super Saver account.\nEnjoy easy access to manage your DIY Super Saver online when you need it, or simply park your investment and watch it grow.\n\nYou must have a Self Managed Super Fund (SMSF) in order to acquire this product.",
    "effectiveFrom": "2011-08-15T14:30:00.000Z",
    "isTailored": false,
    "lastUpdated": "2026-10-14T23:31:23.008Z",
    "name": "DIY Super",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "productId": "a2261eee-2403-47b8-ad65-09f6f81d03a0",
    "depositRates": [
      {
        "additionalInfoUri": "https://www.qudosbank.com.au/products/super-investing/diy-super-saver",
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "depositRateType": "VARIABLE",
        "rate": "0.0035"
      },
      {
        "additionalInfoUri": "https://www.qudosbank.com.au/products/super-investing/diy-super-saver",
        "additionalValue": "Bonus Rate applied if no withdrawals are made during the month.",
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "depositRateType": "BONUS",
        "rate": "0",
        "tiers": [
          {
            "maximumValue": "9999.99",
            "minimumValue": "0.00",
            "name": "Below $10,000",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "DOLLAR"
          }
        ]
      },
      {
        "additionalValue": "Bonus Rate applied if no withdrawals are made during the month.",
        "applicabilityConditions": [
          {
            "additionalInfo": "Bonus interest when you make no withdrawals in a calendar month",
            "rateApplicabilityType": "OTHER"
          }
        ],
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1M",
        "depositRateType": "BONUS",
        "rate": "0.046",
        "tiers": [
          {
            "minimumValue": "10000.00",
            "name": "$10,000 & over",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "DOLLAR"
          }
        ]
      }
    ],
    "eligibility": [
      {
        "additionalInfo": "Only available to ATO approved self managed super funds",
        "eligibilityType": "BUSINESS"
      },
      {
        "additionalInfo": "This product is only available to members who have a residential address in Australia.",
        "additionalValue": "Australian Resident",
        "eligibilityType": "RESIDENCY_STATUS"
      }
    ],
    "features": [
      {
        "additionalInfo": "No fixed term. Instant access to your cash when you want it!",
        "featureType": "OTHER"
      },
      {
        "additionalInfo": "Interest calculated daily and credited to your account at the end of the month",
        "featureType": "OTHER"
      },
      {
        "additionalInfo": "Covered under the Financial Claims Scheme",
        "featureType": "OTHER"
      },
      {
        "additionalInfo": "Earn a bonus rate when your balance is $10,000 or more and you make no withdrawals in a month.",
        "featureType": "OTHER"
      },
      {
        "additionalValue": "BPAY",
        "featureType": "BILL_PAYMENT"
      },
      {
        "additionalInfo": "Access via Online Banking or App",
        "featureType": "DIGITAL_BANKING"
      },
      {
        "additionalInfo": "Set up direct debits or direct credits",
        "featureType": "OTHER"
      },
      {
        "featureType": "NPP_ENABLED"
      },
      {
        "featureType": "NPP_PAYID"
      }
    ],
    "fees": [
      {
        "additionalInfo": "This fee applies to foreign cheques deposited on behalf of \nMembers, via Convera. This fee will be charged at the time \nof the deposit.",
        "feeMethodUType": "fixedAmount",
        "feeType": "EVENT",
        "fixedAmount": {
          "amount": "20.00"
        },
        "name": "Foreign Cheque Deposits under AUD$5000"
      },
      {
        "additionalInfo": "This fee is applied if one or more savings accounts under a member number have been classified as dormant. An account is classified as dormant if there have been no member-initiated transactions for 12 months and we have followed the procedures required by our Constitution. This fee is charged annually per member and is typically applied at the start of each calendar year.",
        "additionalValue": "P1Y",
        "feeMethodUType": "fixedAmount",
        "feeType": "PERIODIC",
        "fixedAmount": {
          "amount": "10.00"
        },
        "name": "Dormant Accounts"
      },
      {
        "additionalInfo": "No charge applies for copies of documents such as loan or withdrawal forms.",
        "feeMethodUType": "fixedAmount",
        "feeType": "EVENT",
        "fixedAmount": {
          "amount": "0.00"
        },
        "name": "Copies of documents other than statements"
      },
      {
        "feeMethodUType": "fixedAmount",
        "feeType": "EVENT",
        "fixedAmount": {
          "amount": "0.00"
        },
        "name": "Electronic debit rejection fee"
      },
      {
        "additionalInfo": "This fee applies to foreign cheques deposited on behalf of \nMembers, via Convera. This fee will be charged at the time \nof the deposit.",
        "feeMethodUType": "fixedAmount",
        "feeType": "EVENT",
        "fixedAmount": {
          "amount": "50.00"
        },
        "name": "Foreign Cheque Deposits AUD$5,000 and over"
      },
      {
        "additionalInfo": "This fee is applied for each cheque deposited to a Member's account which is subsequently rejected. This fee will be charged at the time of the rejection.",
        "feeMethodUType": "fixedAmount",
        "feeType": "DEPOSIT",
        "fixedAmount": {
          "amount": "15.00"
        },
        "name": "Inward cheque rejection fee"
      },
      {
        "feeMethodUType": "fixedAmount",
        "feeType": "EVENT",
        "fixedAmount": {
          "amount": "30.00"
        },
        "name": "International telegraphic transfers phone or email assisted  (sent in foreign currency)"
      },
      {
        "additionalInfo": "This fee applies to telegraphic transfers on behalf of Members, \narranged via Westpac. This fee will be charged at the time of \nthe transfer",
        "additionalInfoUri": "https://www.qudosbank.com.au/documents/fees-charges",
        "feeMethodUType": "fixedAmount",
        "feeType": "EVENT",
        "fixedAmount": {
          "amount": "20.00"
        },
        "name": "Domestic Telegraphic Transfer"
      },
      {
        "additionalInfo": "At the request of Members, we can \nprovide certain foreign exchange and \npayment services. We may receive a \ncommission for providing these services \nto you, refer to our FSG for details. ",
        "feeMethodUType": "fixedAmount",
        "feeType": "EVENT",
        "fixedAmount": {
          "amount": "10.00"
        },
        "name": "International telegraphic transfer online"
      },
      {
        "additionalInfo": "This fee applies to each SMS Banking \nmessage sent to your mobile phone. \nThe fee will be debited to your main savings account (S0) at \nthe time the SMS is sent. Your telecommunications provider \nmay also charge you a fee for sending and receiving SMS.\nNote: This service is not to be mistaken with QSafe \nSMS Authentication – which is a free service.",
        "feeMethodUType": "fixedAmount",
        "feeType": "EVENT",
        "fixedAmount": {
          "amount": "0.25"
        },
        "name": "SMS Banking Requests"
      },
      {
        "additionalValue": "P1Y",
        "feeMethodUType": "fixedAmount",
        "feeType": "PERIODIC",
        "fixedAmount": {
          "amount": "0.00"
        },
        "name": "Account Keeping Fee"
      }
    ]
  }
}