{
  "snapshot_at": "2026-10-22T13:25:38Z",
  "brand": "RACQ Bank",
  "brand_slug": "racq-bank",
  "product_id": "504",
  "cdr_url": "https://cdrbank.racq.com.au/cds-au/v1/banking/products/504",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://cdrbank.racq.com.au/cds-au/v1/banking/products/504'",
  "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": "504",
    "lastUpdated": "2026-10-12T22:13:30Z",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "name": "eSave Account",
    "description": "Our eSave Account is an online savings account that allows you to earn a competitive rate of interest while your money remains 'at call'. Access to the account is available via internet banking and phone banking only.",
    "brand": "RACQ Bank",
    "brandName": "RACQ Bank",
    "isTailored": false,
    "additionalInformation": {
      "feesAndPricingUri": "https://www.racq.com.au/banking/support-and-faqs/forms-documents"
    },
    "features": [
      {
        "featureType": "UNLIMITED_TXNS",
        "additionalValue": "RACQ Bank has removed fees for most everyday transactions, such as eftpos transactions, internet transfers and direct debits."
      },
      {
        "featureType": "NPP_ENABLED"
      },
      {
        "featureType": "NPP_PAYID"
      },
      {
        "featureType": "DIGITAL_BANKING"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "Australian Resident"
      },
      {
        "eligibilityType": "NATURAL_PERSON"
      },
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "13"
      }
    ],
    "fees": [
      {
        "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 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": "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"
      },
      {
        "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": "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": "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": "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": "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"
      }
    ],
    "depositRates": [
      {
        "rate": "0.0325",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "depositRateType": "VARIABLE"
      }
    ]
  }
}