{
  "snapshot_at": "2026-10-22T13:25:51Z",
  "brand": "The Capricornian",
  "brand_slug": "the-capricornian",
  "product_id": "9c393395-f87c-4268-84a4-06a91b34b47c",
  "cdr_url": "https://public.cdr.onlinebanking.capricornian.com.au/cds-au/v1/banking/products/9c393395-f87c-4268-84a4-06a91b34b47c",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://public.cdr.onlinebanking.capricornian.com.au/cds-au/v1/banking/products/9c393395-f87c-4268-84a4-06a91b34b47c'",
  "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 Student Access Account is designed to provide support to those aged 17-25 years who are studying at University or undergoing a traineeship/apprenticeship. The account provides full branch access for deposits, withdrawals or counter cheques as well as Visa Debit access.",
    "isTailored": false,
    "lastUpdated": "2026-10-22T06:11:00.621458Z",
    "name": "Student Access Account",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "productId": "9c393395-f87c-4268-84a4-06a91b34b47c",
    "additionalInformation": {
      "overviewUri": "https://www.capricornian.com.au/banking/student-youth-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": [],
      "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": "2024-10-28T14:00:00Z",
    "effectiveTo": null,
    "bundles": [],
    "constraints": [],
    "depositRates": [
      {
        "depositRateType": "VARIABLE",
        "rate": "0.00",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null,
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "tiers": [],
        "applicationType": "PERIODIC",
        "applicabilityConditions": []
      }
    ],
    "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": "MAX_AGE",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "26"
      },
      {
        "eligibilityType": "MIN_AGE",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "17"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "Individuals must be citizens or permanent residents of Australia"
      }
    ],
    "features": [
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Online banking and mobile app.",
        "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": "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": "BILL_PAYMENT",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "BPAY available"
      },
      {
        "featureType": "NOTIFICATIONS",
        "additionalInfo": "SMS and/or email notifications available.",
        "additionalInfoUri": null,
        "additionalValue": "SMS and/or email notifications available."
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalInfo": null,
        "additionalInfoUri": "https://www.capricornian.com.au/google-pay/google-pay-terms-and-conditions/",
        "additionalValue": "Google Pay"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Our 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_WALLET",
        "additionalInfo": null,
        "additionalInfoUri": "https://www.capricornian.com.au/apple-pay/apple-pay-terms-and-conditions/",
        "additionalValue": "Apple Pay"
      }
    ],
    "fees": [
      {
        "feeType": "WITHDRAWAL",
        "name": "International Transaction Fee via Internet Banking",
        "additionalInfo": "Transaction fee charged at the result of the processing of an international transaction via Internet 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": "WITHDRAWAL",
        "name": "Visa Debit Cash Advance",
        "additionalInfo": "Where credit option is selected for cash, or cash and purchase transactions",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.70"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Honour Fee",
        "additionalInfo": "An honour fee will apply when a Direct Debit overdraws your account or is paid against uncleared funds.",
        "additionalInfoUri": "https://www.capricornian.com.au/about-us/product-rate-fee-disclosures/",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "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/student-youth-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 the processing of an International Transaction - staff assisted.",
        "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": "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/student-youth-banking-account/",
        "additionalValue": "P1M",
        "currency": "AUD",
        "discounts": [
          {
            "description": "Account service fee exempt on first account",
            "discountType": "ELIGIBILITY_ONLY",
            "additionalInfo": "Account service fee exempt on first account, $6.00 per month subsequent accounts.",
            "additionalInfoUri": "https://www.capricornian.com.au/banking/student-youth-banking-account/",
            "additionalValue": null,
            "eligibility": [
              {
                "discountEligibilityType": "MAX_AGE",
                "additionalInfo": "Members aged 25 years and younger and Members aged 65 years and older",
                "additionalInfoUri": "https://www.capricornian.com.au/banking/student-youth-banking-account/",
                "additionalValue": "25"
              }
            ],
            "discountMethodUType": "fixedAmount",
            "fixedAmount": {
              "amount": "6.00"
            },
            "rateBased": null
          }
        ],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "6.00"
        },
        "rateBased": 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": null,
        "additionalValue": "P1M",
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "6.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "PURCHASE",
        "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
      }
    ],
    "lendingRates": [],
    "instalments": null
  }
}