{
  "snapshot_at": "2026-11-12T02:33:40Z",
  "brand": "Suncorp Bank",
  "brand_slug": "suncorp-bank",
  "product_id": "KS",
  "cdr_url": "https://id-ob.suncorpbank.com.au/cds-au/v1/banking/products/KS",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://id-ob.suncorpbank.com.au/cds-au/v1/banking/products/KS'",
  "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": "KS",
    "effectiveFrom": "2020-04-30T14:00:00.000Z",
    "effectiveTo": "2999-12-30T13:00:00.000Z",
    "lastUpdated": "2026-11-11T13:00:00.000Z",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "name": "Kids Savings",
    "description": "A savings account for under-18s that offers bonus interest for regular savers",
    "brand": "Suncorp Bank",
    "brandName": "Suncorp Bank",
    "applicationUri": "https://www.suncorpbank.com.au/bank-and-save/kids-bank-accounts/kids-savings-account.html",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.suncorpbank.com.au/bank-and-save/kids-bank-accounts/kids-savings-account.html",
      "termsUri": "https://www.suncorpbank.com.au/content/dam/suncorp/bank/documents/product-information/personal-deposit-account-pid.pdf",
      "eligibilityUri": "https://www.suncorpbank.com.au/content/dam/suncorp/bank/documents/product-information/personal-deposit-account-pid.pdf",
      "feesAndPricingUri": "https://www.suncorpbank.com.au/content/dam/suncorp/bank/documents/product-information/personal-deposit-account-pid.pdf",
      "additionalOverviewUris": [],
      "additionalTermsUris": [],
      "additionalEligibilityUris": [],
      "additionalFeesAndPricingUris": [],
      "additionalBundleUris": []
    },
    "features": [
      {
        "featureType": "UNLIMITED_TXNS"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Pay $0 account keeping fees"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "No minimum balance to earn standard interest"
      },
      {
        "featureType": "DIGITAL_BANKING"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Earn Bonus Interest when you deposit at least $20 each month and make no more than 1 withdrawal in the calendar month."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "No maximum balance"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "MAX_AGE",
        "additionalValue": "11-18",
        "additionalInfo": "Where the child is aged 11 <18 years, the account can be opened and operated by the child either solely or as a shared account with the parent/guardian."
      },
      {
        "eligibilityType": "MAX_AGE",
        "additionalValue": "11",
        "additionalInfo": "Where the child is under 11 years of age - parent/guardian consent is required to open the account. The parent/guardian will have full access to operate the account and the child cannot transact."
      },
      {
        "eligibilityType": "NATURAL_PERSON",
        "additionalInfo": "Account owners must be individuals as personal customers for personal use"
      },
      {
        "eligibilityType": "MAX_AGE",
        "additionalValue": "18",
        "additionalInfo": "Account owners must be under 18"
      },
      {
        "eligibilityType": "MAX_AGE",
        "additionalValue": "18",
        "additionalInfo": "On turning 18 years of age, the accountholder will no longer be eligible to hold a Kids Savings account. We will write to you and convert the account to a Suncorp Bank Everyday Options Account."
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "Account owners must be residents of Australia"
      }
    ],
    "fees": [
      {
        "name": "Account keeping fee",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD",
        "additionalValue": "P1M",
        "additionalInfo": "No monthly account keeping fees"
      },
      {
        "name": "Copy of bank cheque",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "12.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Interest Certificate",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        },
        "currency": "AUD",
        "additionalInfo": "previous financial year - per certificate issued"
      },
      {
        "name": "Physical Security Token",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "currency": "AUD",
        "additionalInfo": "Suncorp Bank Secured App (soft token) available at no cost",
        "additionalInfoUri": "https://www.suncorpbank.com.au/security/security-token-app.html"
      },
      {
        "name": "Record search/copy fee (cheques, records, retrieval)",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "70.00"
        },
        "currency": "AUD",
        "additionalInfo": "per hour"
      },
      {
        "name": "Request for Audit Certificate",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "30.00"
        },
        "currency": "AUD",
        "additionalInfo": "per certificate"
      },
      {
        "name": "Stop Payment Request - bank cheques",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "15.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Trace/recall of funds request",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "30.00"
        },
        "currency": "AUD"
      }
    ],
    "depositRates": [
      {
        "depositRateType": "BONUS",
        "rate": "0.0445",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "MIN_DEPOSITS",
            "additionalValue": "20",
            "additionalInfo": "Minimum deposit of $20 per month"
          },
          {
            "rateApplicabilityType": "MAX_WITHDRAWALS",
            "additionalValue": "1",
            "additionalInfo": "Maximum of 1 withdrawal per month"
          }
        ],
        "additionalValue": "Bonus interest is paid when you deposit at least $20 each month and make no more than 1 withdrawal in the month.",
        "additionalInfo": "Bonus interest - conditions must be met for bonus interest to be paid."
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0035",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalInfo": "Standard Interest calculated daily and paid monthly. If you do not meet the Bonus Conditions in a calendar month you still earn Standard Interest on daily balances."
      }
    ]
  }
}