{
  "snapshot_at": "2026-10-22T13:25:51Z",
  "brand": "The Capricornian",
  "brand_slug": "the-capricornian",
  "product_id": "00f87bdf-368b-490a-9946-17dc66b5b4da",
  "cdr_url": "https://public.cdr.onlinebanking.capricornian.com.au/cds-au/v1/banking/products/00f87bdf-368b-490a-9946-17dc66b5b4da",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://public.cdr.onlinebanking.capricornian.com.au/cds-au/v1/banking/products/00f87bdf-368b-490a-9946-17dc66b5b4da'",
  "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": "THE CAPRICORNIAN",
    "description": "A transaction account designed specifically for not-for-profit organisations, clubs and community groups, offering the features your club needs to use and move your money.",
    "isTailored": false,
    "lastUpdated": "2026-10-22T06:18:18.354013Z",
    "name": "Club Account",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "productId": "00f87bdf-368b-490a-9946-17dc66b5b4da",
    "additionalInformation": {
      "overviewUri": "https://www.capricornian.com.au/banking/club-banking-account/",
      "termsUri": "https://www.capricornian.com.au/documents/conditions-of-use/",
      "eligibilityUri": "https://www.capricornian.com.au/about-us/reports-policies-disclosures/target-market-determinations/",
      "feesAndPricingUri": "https://www.capricornian.com.au/about-us/product-rate-fee-disclosures/",
      "bundleUri": null,
      "additionalOverviewUris": null,
      "additionalTermsUris": null,
      "additionalEligibilityUris": null,
      "additionalFeesAndPricingUris": null,
      "additionalBundleUris": null
    },
    "applicationUri": "https://www.capricornian.com.au/about-us/contact-us/",
    "brandName": "THE CAPRICORNIAN",
    "brandGroup": null,
    "cardArt": [],
    "effectiveFrom": "2024-10-31T14:00:00Z",
    "effectiveTo": null,
    "bundles": [],
    "constraints": [],
    "depositRates": [
      {
        "depositRateType": "VARIABLE",
        "rate": "0.00",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null,
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "tiers": [],
        "applicationType": "PERIODIC",
        "applicabilityConditions": [
          {
            "additionalInfo": "Must be a legitimate recognised club to own this account.",
            "additionalInfoUri": null,
            "rateApplicabilityType": "OTHER",
            "additionalValue": null
          }
        ]
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Individual Incorporated and Unincorporated Clubs and Organisations",
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "You will need to become a member of the Credit Union before we can issue The Capricornian Account and Access Facility to you",
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "Individuals must be citizens or permanent residents of Australia"
      }
    ],
    "features": [
      {
        "featureType": "NOTIFICATIONS",
        "additionalInfo": "SMS and/or email notifications available",
        "additionalInfoUri": null,
        "additionalValue": "SMS and/or email notifications available"
      },
      {
        "featureType": "NPP_ENABLED",
        "additionalInfo": "An account of this product type can be used to receive funds as a result of a BSB/Number based NPP payment. Osko by BPAY available",
        "additionalInfoUri": "https://www.capricornian.com.au/banking/access-your-money/new-payments-platform/",
        "additionalValue": null
      },
      {
        "featureType": "BILL_PAYMENT",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "BPAY available"
      },
      {
        "featureType": "NPP_PAYID",
        "additionalInfo": "An account of this product type can be used as the target of an NPP PayID. Osko by BPAY available",
        "additionalInfoUri": "https://www.capricornian.com.au/banking/access-your-money/new-payments-platform/",
        "additionalValue": null
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Account sweep available\nOur sweep service automatically transfers funds from certain savings accounts to cover most transactions which would otherwise exceed your transaction account's available balance",
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Access is available to online banking features for the product. Banking app available",
        "additionalInfoUri": null,
        "additionalValue": null
      }
    ],
    "fees": [
      {
        "feeType": "TRANSACTION",
        "name": "BPAY - Branch and Contact Centre processed.",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "3.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "TRANSACTION",
        "name": "External Funds Transfer - Branch and Contact Centre processed.",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "3.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "PAYMENT",
        "name": "Direct Debits",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.30"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      }
    ],
    "lendingRates": [],
    "instalments": null
  }
}