{
  "snapshot_at": "2026-11-10T03:14:49Z",
  "brand": "Regional Australia Bank",
  "brand_slug": "regional-australia-bank",
  "product_id": "2093f291-11bf-4890-9d21-463b567dc19e",
  "cdr_url": "https://public-data.cdr.regaustbank.io/cds-au/v1/banking/products/2093f291-11bf-4890-9d21-463b567dc19e",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://public-data.cdr.regaustbank.io/cds-au/v1/banking/products/2093f291-11bf-4890-9d21-463b567dc19e'",
  "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": {
    "brand": "Regional Australia Bank",
    "description": "The Internet Maximiser Account is an online savings account that pays a competitive rate of interest.",
    "isTailored": false,
    "lastUpdated": "2026-11-01T03:02:59.192749Z",
    "name": "Internet Maximiser Account",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "productId": "2093f291-11bf-4890-9d21-463b567dc19e",
    "additionalInformation": {
      "overviewUri": "https://www.regionalaustraliabank.com.au/personal/products/savings-accounts/internet-maximiser",
      "termsUri": "https://www.regionalaustraliabank.com.au/about-us/corporate-documents/product-terms-and-conditions",
      "eligibilityUri": "https://www.regionalaustraliabank.com.au/personal/products/savings-accounts/internet-maximiser",
      "feesAndPricingUri": "https://www.regionalaustraliabank.com.au/personal/products/savings-accounts/internet-maximiser",
      "bundleUri": null,
      "additionalOverviewUris": null,
      "additionalTermsUris": null,
      "additionalEligibilityUris": null,
      "additionalFeesAndPricingUris": null,
      "additionalBundleUris": null
    },
    "applicationUri": "https://apply.regionalaustraliabank.com.au/cip/community/p/community/onboarding/application.html?OfficeUseWebsiteApplicantType=Individual&OfficeUseWebsiteAccountChoice=S30",
    "brandName": "Regional Australia Bank",
    "brandGroup": null,
    "cardArt": [],
    "effectiveFrom": null,
    "effectiveTo": null,
    "bundles": [],
    "constraints": [
      {
        "constraintType": "MIN_BALANCE",
        "additionalInfo": "A minimum balance of $1 is required to earn interest on this product.",
        "additionalInfoUri": null,
        "additionalValue": "1.00"
      }
    ],
    "depositRates": [
      {
        "depositRateType": "VARIABLE",
        "rate": "0.035",
        "additionalInfo": "Interest is per annum (p.a.). A standard interest rate applies to all balances. Interest is calculated on the daily balance and paid to the account monthly.",
        "additionalInfoUri": "https://www.regionalaustraliabank.com.au/everyday-banking/savings-accounts/maximiser",
        "additionalValue": null,
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1M",
        "tiers": [],
        "applicationType": "PERIODIC",
        "applicabilityConditions": []
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "As a customer-owned bank, customers must also become a shareholder of Regional Australia Bank to be eligible to open an account.",
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalInfo": "Individuals must be citizens or permanent residents of Australia.",
        "additionalInfoUri": null,
        "additionalValue": "Australian Resident"
      }
    ],
    "features": [
      {
        "featureType": "NPP_PAYID",
        "additionalInfo": "This account can be used as the target of an NPP PayID.",
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Combined balances of up to $250,000 per account holder are guaranteed and secured by the Australian Government.",
        "additionalInfoUri": "https://www.regionalaustraliabank.com.au/about-us/corporate-documents/policies-and-guides/financial-claims-scheme",
        "additionalValue": null
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Transactions to and from this account can only be conducted electronically (other than an opening or closing transaction).",
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Bank 24/7 wherever you are and whenever you want with RAB mobile and internet banking.",
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "featureType": "NOTIFICATIONS",
        "additionalInfo": "Track payments with SMS and email alerts.",
        "additionalInfoUri": null,
        "additionalValue": "SMS and email alerts"
      },
      {
        "featureType": "BILL_PAYMENT",
        "additionalInfo": "Automatic payments can be scheduled to pay your bills and/or split your pay into designated savings accounts. ",
        "additionalInfoUri": null,
        "additionalValue": "BPAY & Automatic Transfers"
      },
      {
        "featureType": "UNLIMITED_TXNS",
        "additionalInfo": "Internet, Mobile & Phone Banking transactions.",
        "additionalInfoUri": null,
        "additionalValue": null
      }
    ],
    "fees": [
      {
        "feeType": "DEPOSIT",
        "name": "Cheque Deposit Fee",
        "additionalInfo": "Your first 10 cheque deposits to your membership each month are free, each subsequent deposit will be charged per cheque.",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": null,
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.50"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Overlimit Fee",
        "additionalInfo": "Applies for each day that a Direct Debit or Cheque transaction is debited to a member which results in a deposit or overdraft account being drawn beyond its available balance or limit.",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "3.50"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "PERIODIC",
        "name": "Access Fee",
        "additionalInfo": "The Access Fee is a flat monthly fee which entitles your membership to unlimited withdrawals via EFTPOS, ATMs, Internet, Phone and Mobile Banking. ",
        "additionalInfoUri": null,
        "additionalValue": "P1M",
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "DISHONOUR",
        "name": "Direct Debit Dishonour",
        "additionalInfo": "Where a direct debit request is rejected by us due to insufficient funds in your account a Dishonour Fee will apply.",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Bank Cheque Fee ",
        "additionalInfo": "This fee applies when ordering a bank cheque. ",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "11.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      }
    ],
    "lendingRates": [],
    "instalments": null
  }
}