{
  "snapshot_at": "2026-11-13T01:42:35Z",
  "brand": "Summerland Bank",
  "brand_slug": "summerland-bank",
  "product_id": "3",
  "cdr_url": "https://public.cdr-api.summerland.com.au/cds-au/v1/banking/products/3",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://public.cdr-api.summerland.com.au/cds-au/v1/banking/products/3'",
  "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": "3",
    "effectiveFrom": "2010-12-20T13:30:00.0000000Z",
    "lastUpdated": "2026-11-13T00:00:40.5826068Z",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "name": "iSave Online",
    "description": "Summerland's electronic-only account with high interest. For those aged 12 years and over who operate their own accounts; or business or community groups. Must have a linked transaction account.",
    "brand": "Summerland",
    "applicationUri": "https://summerland.com.au/open-an-account/",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://summerland.com.au/my-banking/bank-accounts/savings-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"
      },
      {
        "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"
      },
      {
        "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": "INTRODUCTORY",
        "rate": "0.057",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P90D",
        "tiers": [
          {
            "name": "iSave Promo Offer",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "0.00",
            "maximumValue": "0.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "NEW_CUSTOMER"
          }
        ],
        "additionalValue": "P90D",
        "additionalInfo": "Valid for new customers only. Introductory period is 90 days from the date of account opening.\r\nThe account will convert to the iSave Online account at the end of the 90 day introductory rate period. The rate applicable will depend on the balance of the account at the time.",
        "additionalInfoUri": "https://summerland.com.au/files/ratesfees/savingsinterest.pdf"
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0075",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "Floating Balance Tier 1",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "0.00",
            "maximumValue": "1999.99",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalInfoUri": "https://www.summerland.com.au/savings-interest"
      }
    ]
  }
}