{
  "snapshot_at": "2026-11-13T01:42:26Z",
  "brand": "Queensland Country Bank",
  "brand_slug": "queensland-country-bank",
  "product_id": "24",
  "cdr_url": "https://public.cdr-api.queenslandcountry.bank/cds-au/v1/banking/products/24",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://public.cdr-api.queenslandcountry.bank/cds-au/v1/banking/products/24'",
  "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": "24",
    "effectiveFrom": "2015-06-30T14:30:00.0000000Z",
    "lastUpdated": "2026-11-13T00:00:23.8091263Z",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "name": "SmartBudget",
    "description": "Transaction account linked to an agreement in which regular deposits are made in return for payment of nominated bills. When combined with the linked agreement this assists budgeting by smoothing out the expenses paid under the agreement.",
    "brand": "Queensland Country Bank",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.queenslandcountry.bank/Banking/budgeting-tools/smartbudget/",
      "termsUri": "https://www.queenslandcountry.bank/siteassets/documents/brochures/terms_conditions_smartbudget.pdf",
      "feesAndPricingUri": "https://www.queenslandcountry.bank/siteassets/documents/brochures/brochure_fees-charges.pdf"
    },
    "features": [
      {
        "featureType": "BILL_PAYMENT",
        "additionalValue": "SmartBudget Account"
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "24/7 Online and mobile access via the SmartBudget member portal"
      },
      {
        "featureType": "UNLIMITED_TXNS"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "17"
      }
    ],
    "fees": [
      {
        "name": "Monthly Account Service Fee",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "currency": "AUD",
        "additionalValue": "P1M",
        "discounts": [
          {
            "description": "Dormant Account",
            "discountType": "ELIGIBILITY_ONLY",
            "discountMethodUType": "rateBased",
            "rateBased": {
              "rateType": "FEE",
              "rate": "1.0",
              "amountRange": {}
            },
            "eligibility": [
              {
                "discountEligibilityType": "OTHER",
                "additionalInfo": "Monthly Account Service Fee is waived for accounts in a dormant status"
              }
            ]
          }
        ]
      }
    ],
    "depositRates": [
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "Floating",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "0.00",
            "maximumValue": "4999.99",
            "rateApplicationMethod": "PER_TIER"
          }
        ]
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0001",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "USER-INPUT-RATE/1",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "5000.00",
            "rateApplicationMethod": "PER_TIER"
          }
        ]
      }
    ]
  }
}