{
  "snapshot_at": "2026-10-22T13:25:49Z",
  "brand": "SWSbank",
  "brand_slug": "swsbank",
  "product_id": "S2_Sav",
  "cdr_url": "https://online.swsbank.com.au/openbanking/cds-au/v1/banking/products/S2_Sav",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://online.swsbank.com.au/openbanking/cds-au/v1/banking/products/S2_Sav'",
  "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": {
    "features": [
      {
        "featureType": "BILL_PAYMENT",
        "additionalValue": "Periodical Payment system"
      },
      {
        "featureType": "DIGITAL_BANKING"
      },
      {
        "featureType": "NOTIFICATIONS",
        "additionalValue": "Monthly or 6 monthly statements available"
      },
      {
        "featureType": "NPP_ENABLED"
      },
      {
        "featureType": "NPP_PAYID"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "BUSINESS"
      },
      {
        "eligibilityType": "NATURAL_PERSON"
      },
      {
        "eligibilityType": "PENSION_RECIPIENT"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "Australian citizen or permanent resident"
      },
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "13"
      }
    ],
    "fees": [
      {
        "name": "DIRECT_DEBITS_DISHONOUR_FEE",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "15.00"
        },
        "currency": "AUD",
        "additionalInfo": "authoiryt to directly debit account is dishonoured due to insufficient funds",
        "additionalInfoUri": "https://www.swsbank.com.au/help-support/rates-fees/fees-and-charges/"
      },
      {
        "name": "ELECTRONIC_PAYMENT_FEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "25.00"
        },
        "currency": "AUD",
        "additionalInfo": "to Establish Direct Entry final destination, manual dishonour, Bpay enquiry and/or correction, Mistaken Payment",
        "additionalInfoUri": "https://www.swsbank.com.au/help-support/rates-fees/fees-and-charges/"
      },
      {
        "name": "REFERRAL_FEE",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        },
        "currency": "AUD",
        "additionalInfo": "applied each time account is overdrawn without arrangements as result of cheque or direct debits being honoured",
        "additionalInfoUri": "https://www.swsbank.com.au/help-support/rates-fees/fees-and-charges/"
      },
      {
        "name": "SWIFT_PAYMENTS_(RTGS)",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        },
        "currency": "AUD",
        "additionalInfo": "Incoming RTGS charge",
        "additionalInfoUri": "https://www.swsbank.com.au/help-support/rates-fees/fees-and-charges/"
      },
      {
        "name": "SWIFT_PAYMENT_(RTGS)",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "15.00"
        },
        "currency": "AUD",
        "additionalInfo": "Outbound RTGS Domestic payment",
        "additionalInfoUri": "https://www.swsbank.com.au/help-support/rates-fees/fees-and-charges/"
      }
    ],
    "depositRates": [
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0001",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalInfoUri": "https://www.swsbank.com.au/accounts/everyday-accounts/card-free-account/"
      }
    ],
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "productId": "S2_Sav",
    "lastUpdated": "2025-09-15T10:57:55.000+10:00",
    "name": "Card Free Account",
    "description": "Card Free Account",
    "brand": "South West Slopes Credit Union",
    "brandName": "South West Slopes Credit Union Ltd trading as SWSbank",
    "applicationUri": "https://swscu.apply-online.com.au/#/5e7b4a3f-73sghs-4d7a-93c1-8cbaf6fcb318",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.swsbank.com.au/accounts/everyday-accounts/card-free-account/",
      "feesAndPricingUri": "https://www.swsbank.com.au/help-support/rates-fees/fees-and-charges/"
    }
  }
}