{
  "snapshot_at": "2026-11-13T01:42:26Z",
  "brand": "Queensland Country Bank",
  "brand_slug": "queensland-country-bank",
  "product_id": "10",
  "cdr_url": "https://public.cdr-api.queenslandcountry.bank/cds-au/v1/banking/products/10",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://public.cdr-api.queenslandcountry.bank/cds-au/v1/banking/products/10'",
  "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": "10",
    "effectiveFrom": "2015-06-30T14:30:00.0000000Z",
    "lastUpdated": "2026-11-13T00:00:23.8091263Z",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "name": "Future Start Savings",
    "description": "Encouraging savings for our Students and Apprentices with a bonus interest rate once the minimum $5 monthly deposit is made and no more than one withdrawal in the same month",
    "brand": "Queensland Country Bank",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.queenslandcountry.bank/banking/savings-accounts/future-start/",
      "termsUri": "https://www.queenslandcountry.bank/siteassets/documents/brochures/brochure_account-access-facility.pdf",
      "feesAndPricingUri": "https://www.queenslandcountry.bank/siteassets/documents/brochures/brochure_fees-charges.pdf"
    },
    "features": [
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "24/7 Online and mobile banking\r\n"
      },
      {
        "featureType": "NPP_ENABLED",
        "additionalInfo": "The New Payments Platform (NPP) provides you with faster, simpler and smarter payments through a fast and versatile payments system"
      },
      {
        "featureType": "NPP_PAYID",
        "additionalInfo": "The New Payments Platform (NPP) provides you with faster, simpler and smarter payments through a fast and versatile payments system"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Bonus Interest is paid when at least $5 is deposited into the account for that calendar month and no more than one withdrawal is made in the same month"
      },
      {
        "featureType": "UNLIMITED_TXNS"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "MAX_AGE",
        "additionalValue": "23"
      },
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18"
      },
      {
        "eligibilityType": "NATURAL_PERSON"
      },
      {
        "eligibilityType": "STUDENT",
        "additionalValue": "For 18 - 23 years of age undertaking full-time studies or an Australian apprenticeship"
      }
    ],
    "fees": [
      {
        "name": "Direct Entry Recall of Funds",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "40.00"
        },
        "currency": "AUD"
      },
      {
        "name": "DE Mistaken Payment Return Req",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "50.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Honour Charge",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "8.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Dishonour Insuff. Funds",
        "feeType": "DISHONOUR",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "8.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Dormant Account Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "15.00"
        },
        "currency": "AUD"
      },
      {
        "name": "RTGS Payment Received Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "7.20"
        },
        "currency": "AUD"
      },
      {
        "name": "Transaction Fees",
        "feeType": "OTHER",
        "feeMethodUType": "variable",
        "variable": {},
        "currency": "AUD",
        "additionalInfo": "Refer to our Fees and Charges brochure for information on other transactions which may attract fees and charges",
        "additionalInfoUri": "https://www.queenslandcountry.bank/siteassets/documents/brochures/brochure_fees-charges.pdf"
      },
      {
        "name": "Monthly Account Fee",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD",
        "additionalValue": "P1M"
      }
    ],
    "depositRates": [
      {
        "depositRateType": "BONUS",
        "rate": "0.044",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "MAX_WITHDRAWALS",
            "additionalValue": "1"
          },
          {
            "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
            "additionalValue": "5.00"
          }
        ],
        "additionalValue": "To achieve the bonus rate of interest you must deposit at least $5 in a calendar month and make no more than one withdrawal in the same month."
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0015",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M"
      }
    ]
  }
}