{
  "snapshot_at": "2026-10-22T13:25:51Z",
  "brand": "The Capricornian",
  "brand_slug": "the-capricornian",
  "product_id": "57f2a9d4-5498-490f-82ea-61dff8720cS3",
  "cdr_url": "https://public.cdr.onlinebanking.capricornian.com.au/cds-au/v1/banking/products/57f2a9d4-5498-490f-82ea-61dff8720cS3",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://public.cdr.onlinebanking.capricornian.com.au/cds-au/v1/banking/products/57f2a9d4-5498-490f-82ea-61dff8720cS3'",
  "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 high interest savings account offering monthly bonus interest upon meeting all the criteria and performing no debits on the account for the entirety of the calendar month. ",
    "isTailored": false,
    "lastUpdated": "2026-10-08T20:00:00.463202Z",
    "name": "Bonus Saver Account",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "productId": "57f2a9d4-5498-490f-82ea-61dff8720cS3",
    "additionalInformation": {
      "overviewUri": "https://www.capricornian.com.au/banking/bonus-saver-account/",
      "termsUri": "https://www.capricornian.com.au/about-us/product-rate-fee-disclosures/",
      "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": [],
      "additionalTermsUris": [],
      "additionalEligibilityUris": [],
      "additionalFeesAndPricingUris": [],
      "additionalBundleUris": []
    },
    "applicationUri": "https://www.capricornian.com.au/banking/bonus-saver-account/",
    "brandName": "THE CAPRICORNIAN",
    "brandGroup": null,
    "cardArt": [],
    "effectiveFrom": "2026-06-01T00:00:00Z",
    "effectiveTo": null,
    "bundles": [],
    "constraints": [
      {
        "constraintType": "OTHER",
        "additionalInfo": "No Direct Debits. Direct Debits are unable to be setup to the Bonus Saver Account.",
        "additionalInfoUri": "https://www.capricornian.com.au/banking/bonus-saver-account/",
        "additionalValue": null
      }
    ],
    "depositRates": [
      {
        "depositRateType": "BONUS",
        "rate": "0.049",
        "additionalInfo": "0.10% interest is applied to the entirety of the balance regardless of whether or not the bonus criteria is met.",
        "additionalInfoUri": "https://www.capricornian.com.au/banking/bonus-saver-account/",
        "additionalValue": "Atleast $100 has to be deposited throughout the month, No Debits/Withdrawals at all on the account during the month, Account to stay open throughout the entire duration of the calendar month.",
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "tiers": [
          {
            "name": "Bonus Interest",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "100.00",
            "maximumValue": "250000.00",
            "rateApplicationMethod": "PER_TIER",
            "applicabilityConditions": [],
            "additionalInfo": "Bonus Interest is only paid up to $250,000 of the balance of the account.",
            "additionalInfoUri": "https://www.capricornian.com.au/banking/bonus-saver-account/"
          }
        ],
        "applicationType": "PERIODIC",
        "applicabilityConditions": []
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.001",
        "additionalInfo": "Base interest rate for the Bonus Saver account that is applied to the entirety of the balance of the account regardless of whether or not the Bonus Criteria was met.",
        "additionalInfoUri": "https://www.capricornian.com.au/banking/bonus-saver-account/",
        "additionalValue": null,
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "tiers": [
          {
            "name": "Base Interest Rate",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "0.00",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "applicabilityConditions": [],
            "additionalInfoUri": "https://www.capricornian.com.au/banking/bonus-saver-account/"
          }
        ],
        "applicationType": "PERIODIC",
        "applicabilityConditions": []
      }
    ],
    "eligibility": [],
    "features": [
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Offers online banking access to easily manage your money.",
        "additionalInfoUri": "https://www.capricornian.com.au/banking/bonus-saver-account/",
        "additionalValue": null
      },
      {
        "featureType": "NPP_ENABLED",
        "additionalInfo": "Offers NPP Osko transactions when performed via Digital banking.",
        "additionalInfoUri": "https://www.capricornian.com.au/banking/bonus-saver-account/",
        "additionalValue": null
      },
      {
        "featureType": "NPP_PAYID",
        "additionalInfo": "Offers NPP PayID access when performing transfers via Digital Banking.",
        "additionalInfoUri": "https://www.capricornian.com.au/banking/bonus-saver-account/",
        "additionalValue": null
      }
    ],
    "fees": [
      {
        "feeType": "WITHDRAWAL",
        "name": "Staff Assisted Withdrawal Fee",
        "additionalInfo": "Fee is charged whenever a withdrawal is performed by a staff member on behalf of the member at their request. Exemptions apply for customer's aged 25 years and younger, as well as 65 years and older.",
        "additionalInfoUri": "https://www.capricornian.com.au/banking/bonus-saver-account/",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "3.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      }
    ],
    "lendingRates": [],
    "instalments": null
  }
}