{
  "snapshot_at": "2026-10-22T13:25:38Z",
  "brand": "RACQ Bank",
  "brand_slug": "racq-bank",
  "product_id": "404",
  "cdr_url": "https://cdrbank.racq.com.au/cds-au/v1/banking/products/404",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://cdrbank.racq.com.au/cds-au/v1/banking/products/404'",
  "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": "404",
    "lastUpdated": "2026-10-12T22:13:30Z",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "name": "Bonus Saver Account",
    "description": "Our Bonus Saver Account rewards members for saving by providing bonus interest when you deposit at least $100 and make no debit transactions during the month.",
    "brand": "RACQ Bank",
    "brandName": "RACQ Bank",
    "isTailored": false,
    "additionalInformation": {
      "feesAndPricingUri": "https://www.racq.com.au/banking/support-and-faqs/forms-documents"
    },
    "features": [
      {
        "featureType": "NPP_PAYID"
      },
      {
        "featureType": "NPP_ENABLED"
      },
      {
        "featureType": "DIGITAL_BANKING"
      },
      {
        "featureType": "UNLIMITED_TXNS",
        "additionalValue": "RACQ Bank has removed fees for most everyday transactions, such as eftpos transactions, internet transfers and direct debits."
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "Australian Resident"
      },
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "13"
      },
      {
        "eligibilityType": "NATURAL_PERSON"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Bonus Saver accounts are restricted to maximum 2 owned per member."
      }
    ],
    "fees": [
      {
        "name": "Telegraphic Transfer - Outward (within Australia)",
        "feeType": "PAYMENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "35.00"
        },
        "currency": "AUD",
        "additionalInfo": "Funds transferred via the SWIFT network to another financial institution within Australia for same day payment (also known as a Wire or RTGS payment).",
        "additionalInfoUri": "https://www.racq.com.au/banking/support-and-faqs/forms-documents"
      },
      {
        "name": "Default Administration",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "currency": "AUD",
        "additionalInfo": "May apply if an event of default occurs.",
        "additionalInfoUri": "https://www.racq.com.au/banking/support-and-faqs/forms-documents"
      },
      {
        "name": "Dishonour",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "1.00"
        },
        "currency": "AUD",
        "additionalInfo": "Where a Cheque or Direct Debit is not honoured. For example, a payment would be dishonoured if you do not have sufficient available funds in your account.",
        "additionalInfoUri": "https://www.racq.com.au/banking/support-and-faqs/forms-documents"
      },
      {
        "name": "Bank Recall",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "currency": "AUD",
        "additionalInfo": "A request to attempt to recall funds transferred to another account.",
        "additionalInfoUri": "https://www.racq.com.au/banking/support-and-faqs/forms-documents"
      },
      {
        "name": "Overseas Telegraphic Transfer in Australian Dollars",
        "feeType": "PAYMENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "60.00"
        },
        "currency": "AUD",
        "additionalInfo": "Transfer of funds to an overseas bank in AUD rather than local currency. Overseas banks, including the agent bank, may charge a handling fee. Check supplied details.",
        "additionalInfoUri": "https://www.racq.com.au/banking/support-and-faqs/forms-documents"
      },
      {
        "name": "Default Enforcement Expenses",
        "feeType": "OTHER",
        "feeMethodUType": "variable",
        "variable": {},
        "currency": "AUD",
        "additionalInfo": "May apply if enforcement services are required as part of default administration.",
        "additionalInfoUri": "https://www.racq.com.au/banking/support-and-faqs/forms-documents"
      },
      {
        "name": "Overseas Telegraphic Transfer in Local Currency",
        "feeType": "PAYMENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "30.00"
        },
        "currency": "AUD",
        "additionalInfo": "Transfer of funds to an overseas bank in the currency used locally. Overseas banks, including the agent bank, may charge a handling fee. Check supplied details.",
        "additionalInfoUri": "https://www.racq.com.au/banking/support-and-faqs/forms-documents"
      },
      {
        "name": "Dishonour - Manual",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "22.00"
        },
        "currency": "AUD",
        "additionalInfo": "Dishonour at member's request.",
        "additionalInfoUri": "https://www.racq.com.au/banking/support-and-faqs/forms-documents"
      },
      {
        "name": "Cash Request",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "variable",
        "variable": {},
        "currency": "AUD",
        "additionalInfo": "Cash withdrawals of more than $5,000 require 24 hours' notice. Cash delivery charges, levied by the cash provider to RACQ Bank, are passed on at cost for large withdrawals. The charge is determined at the time of the request and may vary according to location.",
        "additionalInfoUri": "https://www.racq.com.au/banking/support-and-faqs/forms-documents"
      },
      {
        "name": "Audit Certificate",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "25.00"
        },
        "currency": "AUD",
        "additionalInfo": "A certificate for Audit purposes.",
        "additionalInfoUri": "https://www.racq.com.au/banking/support-and-faqs/forms-documents"
      },
      {
        "name": "Bank Trace",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "currency": "AUD",
        "additionalInfo": "A request to trace the origin or final destination of funds either sent to or from your account.",
        "additionalInfoUri": "https://www.racq.com.au/banking/support-and-faqs/forms-documents"
      }
    ],
    "depositRates": [
      {
        "rate": "0.0375",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "Bonus rate interest is paid if deposits totalling at least $100 and no debit transactions are made to the account during the calendar month. Bonus Rate quoted includes Base Rate.",
        "tiers": [
          {
            "name": "Bonus rate over $99,999",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "99999.01",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "MIN_DEPOSITS",
            "additionalValue": "1"
          },
          {
            "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
            "additionalValue": "100.00"
          },
          {
            "rateApplicabilityType": "MAX_WITHDRAWALS",
            "additionalValue": "0"
          },
          {
            "rateApplicabilityType": "MAX_WITHDRAWAL_AMOUNT",
            "additionalValue": "0.00"
          }
        ],
        "depositRateType": "BONUS"
      },
      {
        "rate": "0.0001",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "Base rate Up to $99,999",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "0",
            "maximumValue": "99999",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "depositRateType": "VARIABLE"
      },
      {
        "rate": "0.0600",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "Bonus rate interest is paid if deposits totalling at least $100 and no debit transactions are made to the account during the calendar month. Bonus Rate quoted includes Base Rate.",
        "tiers": [
          {
            "name": "Bonus rate Up to $99,999",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "0",
            "maximumValue": "99999",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "MIN_DEPOSITS",
            "additionalValue": "1"
          },
          {
            "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
            "additionalValue": "100.00"
          },
          {
            "rateApplicabilityType": "MAX_WITHDRAWALS",
            "additionalValue": "0"
          },
          {
            "rateApplicabilityType": "MAX_WITHDRAWAL_AMOUNT",
            "additionalValue": "0.00"
          }
        ],
        "depositRateType": "BONUS"
      },
      {
        "rate": "0.0001",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "Base rate over $99,999",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "99999.01",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "depositRateType": "VARIABLE"
      }
    ]
  }
}