{
  "snapshot_at": "2026-10-22T13:25:51Z",
  "brand": "The Capricornian",
  "brand_slug": "the-capricornian",
  "product_id": "8921bfda-33cd-4dbc-867d-54405ca11e1f",
  "cdr_url": "https://public.cdr.onlinebanking.capricornian.com.au/cds-au/v1/banking/products/8921bfda-33cd-4dbc-867d-54405ca11e1f",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://public.cdr.onlinebanking.capricornian.com.au/cds-au/v1/banking/products/8921bfda-33cd-4dbc-867d-54405ca11e1f'",
  "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": "The Pension Access Account allows members 65 years and over to manage their finances wisely and enjoy a more comfortable lifestyle.",
    "isTailored": false,
    "lastUpdated": "2026-10-08T20:00:00.536679Z",
    "name": "Pension Access Account",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "productId": "8921bfda-33cd-4dbc-867d-54405ca11e1f",
    "additionalInformation": {
      "overviewUri": "https://www.capricornian.com.au/banking/pensioner-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": [
      {
        "imageUri": "https://www.capricornian.com.au/app/uploads/2025/12/CardArt3_resized.png",
        "title": "Capricornian Card",
        "cardScheme": "VISA",
        "cardType": "DEBIT"
      }
    ],
    "effectiveFrom": "2023-07-10T14:00:00Z",
    "effectiveTo": null,
    "bundles": [],
    "constraints": [],
    "depositRates": [
      {
        "depositRateType": "VARIABLE",
        "rate": "0.006",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null,
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "tiers": [
          {
            "name": "PENSION ACCESS ACCOUNT_Tier_3",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "50000.00",
            "rateApplicationMethod": "PER_TIER",
            "applicabilityConditions": []
          }
        ],
        "applicationType": "PERIODIC",
        "applicabilityConditions": [
          {
            "additionalInfo": "Must be age over 65 and earning a pension to have this account.",
            "additionalInfoUri": null,
            "rateApplicabilityType": "OTHER",
            "additionalValue": null
          }
        ]
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0045",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null,
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "tiers": [
          {
            "name": "PENSION ACCESS ACCOUNT_Tier_2",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "10000.00",
            "maximumValue": "49999.99",
            "rateApplicationMethod": "PER_TIER",
            "applicabilityConditions": []
          }
        ],
        "applicationType": "PERIODIC",
        "applicabilityConditions": [
          {
            "additionalInfo": "Must be age over 65 and earning a pension to have this account.",
            "additionalInfoUri": null,
            "rateApplicabilityType": "OTHER",
            "additionalValue": null
          }
        ]
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.001",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null,
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "tiers": [
          {
            "name": "PENSION ACCESS ACCOUNT_Tier_1",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "1.00",
            "maximumValue": "9999.99",
            "rateApplicationMethod": "PER_TIER",
            "applicabilityConditions": []
          }
        ],
        "applicationType": "PERIODIC",
        "applicabilityConditions": [
          {
            "additionalInfo": "Must be age over 65 and earning a pension to have this account.",
            "additionalInfoUri": null,
            "rateApplicabilityType": "OTHER",
            "additionalValue": null
          }
        ]
      }
    ],
    "eligibility": [
      {
        "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": "NATURAL_PERSON",
        "additionalInfo": "Must receive an aged pension into their Capricornian account or be a self-funded retiree aged over 65 years of age.",
        "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": "Notification via email, SMS or secure message in online banking."
      },
      {
        "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": "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": null,
        "additionalValue": null
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Access is available to online banking features for the product. Banking app available",
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "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": null,
        "additionalValue": null
      },
      {
        "featureType": "BILL_PAYMENT",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "featureType": "CARD_ACCESS",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "Visa Debit Card"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalInfo": null,
        "additionalInfoUri": "https://www.capricornian.com.au/apple-pay/apple-pay-terms-and-conditions/",
        "additionalValue": "Apple Pay"
      },
      {
        "featureType": "ADDITIONAL_CARDS",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalInfo": null,
        "additionalInfoUri": "https://www.capricornian.com.au/google-pay/google-pay-terms-and-conditions/",
        "additionalValue": "Google Pay"
      }
    ],
    "fees": [
      {
        "feeType": "WITHDRAWAL",
        "name": "Visa Debit Cash Advance",
        "additionalInfo": "Where credit option is selected for cash/cash and purchase transaction",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.70"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "WITHDRAWAL",
        "name": "EFTPOS Including declined transactions",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.70"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "DISHONOUR",
        "name": "Dishonour Fee",
        "additionalInfo": "Where there is not enough money in the account to pay a direct debit that the customer has setup.",
        "additionalInfoUri": "https://www.capricornian.com.au/banking/pensioner-banking-account/",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "15.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "WITHDRAWAL",
        "name": "International Transaction Fee Over The Counter",
        "additionalInfo": "Transaction Fee charged at the result of sending an International Transfer via a staff assisted channel.",
        "additionalInfoUri": "https://www.capricornian.com.au/fees-and-charges/",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "30.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "WITHDRAWAL",
        "name": "International Transaction Fee via Online Banking",
        "additionalInfo": "Transaction Fee charged at the resulting of sending an International Transfer via Online Banking.",
        "additionalInfoUri": "https://www.capricornian.com.au/fees-and-charges/",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "TRANSACTION",
        "name": "Foreign Currency Conversion Fees",
        "additionalInfo": "Foreign Currency will be converted to Australian currency at the wholesale market rate by VISA.",
        "additionalInfoUri": "https://www.capricornian.com.au/documents/conditions-of-use/",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "rateBased",
        "fixedAmount": null,
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.03",
          "accrualFrequency": null,
          "amountRange": null
        },
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "PERIODIC",
        "name": "Account Service Fee",
        "additionalInfo": "Account service fee exempt on first account, $6.00 per month subsequent accounts",
        "additionalInfoUri": "https://www.capricornian.com.au/banking/pensioner-banking-account/",
        "additionalValue": "P1M",
        "currency": "AUD",
        "discounts": [
          {
            "description": "Account service fee exempt on first account",
            "discountType": "ELIGIBILITY_ONLY",
            "additionalInfo": null,
            "additionalInfoUri": null,
            "additionalValue": null,
            "eligibility": [
              {
                "discountEligibilityType": "MIN_AGE",
                "additionalInfo": "Account Service Fee Exemptions on Access Accounts where first account is exempt for eligible members on both Personal Access and Business Access Accounts. $6.00 per month subsequent accounts on Personal Access, $10 per month subsequent on Business Access Accounts. Eligibility criteria applicable on Personal Access Account; Minimum Deposit/Lending balance of $20,000 held within the membership, Members aged 25 years and younger and Members aged 65 years and older. Eligibility criteria applicable on Business Access Accounts; Minimum Deposit/Lending balance of $20,000 held within the membership.",
                "additionalInfoUri": "https://www.capricornian.com.au/banking/pensioner-banking-account/",
                "additionalValue": "65"
              }
            ],
            "discountMethodUType": "fixedAmount",
            "fixedAmount": {
              "amount": "6.00"
            },
            "rateBased": null
          }
        ],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "6.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      }
    ],
    "lendingRates": [],
    "instalments": null
  }
}