{
  "snapshot_at": "2026-11-13T01:42:35Z",
  "brand": "Summerland Bank",
  "brand_slug": "summerland-bank",
  "product_id": "2",
  "cdr_url": "https://public.cdr-api.summerland.com.au/cds-au/v1/banking/products/2",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://public.cdr-api.summerland.com.au/cds-au/v1/banking/products/2'",
  "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": "2",
    "effectiveFrom": "2009-01-12T13:30:00.0000000Z",
    "lastUpdated": "2026-11-13T00:00:40.5826068Z",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "name": "Bonus Saver",
    "description": "Save for a holiday, car or even a deposit for a new home! Summerland's Bonus Saver account is designed to help you reach your savings goals. Deposit $100 per calendar month & make no withdrawals to earn bonus interest.",
    "brand": "Summerland",
    "applicationUri": "https://www.summerland.com.au/open-an-account/",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://summerland.com.au/saving-investing-accounts",
      "termsUri": "https://www.summerland.com.au/account-access-facility-conditions-of-use",
      "eligibilityUri": "https://www.summerland.com.au/summary-of-accounts-and-access-facilities",
      "feesAndPricingUri": "https://www.summerland.com.au/fees-charges-transaction-limits"
    },
    "features": [
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Open accounts, check balances, view transactions, transfer funds, schedule payments, BPAY, eStatements, SMS alerts, activate cards, change card PIN, mark card lost or stolen, loan redraw, loan status update, accept loan contracts and send secure messages.\r\n\r\n",
        "additionalInfoUri": "https://www.summerland.com.au/open-an-account/"
      },
      {
        "featureType": "NOTIFICATIONS",
        "additionalValue": "Event based notifications.",
        "additionalInfoUri": "https://www.summerland.com.au/"
      },
      {
        "featureType": "NPP_ENABLED",
        "additionalInfoUri": "https://www.summerland.com.au/"
      },
      {
        "featureType": "NPP_PAYID",
        "additionalInfo": "Set up a pay ID to receive lightning fast payments.",
        "additionalInfoUri": "https://www.summerland.com.au/services/digital-and-payments/internet-banking/"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Save on paper, receive and view your statements online with eStatements.",
        "additionalInfoUri": "https://summerland.com.au/services/digital-and-payments/internet-banking/"
      },
      {
        "featureType": "UNLIMITED_TXNS",
        "additionalInfo": "Simple Access Fee Package customers receive free monthly account access including unlimited domestic card, ATM, Internet and Mobile Banking transactions, along with unlimited Bank@Post and staff assisted deposits and withdrawals.",
        "additionalInfoUri": "https://www.summerland.com.au/fees-charges-transaction-limits"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "An eligibility constraint based on residency status applies."
      }
    ],
    "fees": [
      {
        "name": "QuickDebit Dishonour Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "15.00"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://www.summerland.com.au/fees-charges-transaction-limits"
      },
      {
        "name": "Deposited Cheque Item Fee",
        "feeType": "EVENT",
        "feeMethodUType": "variable",
        "variable": {},
        "currency": "AUD"
      },
      {
        "name": "Honour Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://www.summerland.com.au/fees-charges-transaction-limits"
      },
      {
        "name": "Dishonour Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "15.00"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://www.summerland.com.au/fees-charges-transaction-limits"
      }
    ],
    "depositRates": [
      {
        "depositRateType": "BONUS",
        "rate": "0.0475",
        "calculationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "Bonus",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "0.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
            "additionalValue": "100.00",
            "additionalInfoUri": "https://www.summerland.com.au/savings-interest"
          }
        ],
        "additionalValue": "To qualify for the full interest rate; no withdrawals can occur and deposits of at least $100 must occur within the calendar month, otherwise an interest rate of 0% will apply for that month.",
        "additionalInfoUri": "https://www.summerland.com.au/savings-interest"
      }
    ]
  }
}