{
  "snapshot_at": "2026-11-10T03:15:07Z",
  "brand": "UBank",
  "brand_slug": "ubank",
  "product_id": "1",
  "cdr_url": "https://public.cdr-api.86400.com.au/cds-au/v1/banking/products/1",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://public.cdr-api.86400.com.au/cds-au/v1/banking/products/1'",
  "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": {
    "productId": "1",
    "effectiveFrom": "2017-11-30T13:30:00.0000000Z",
    "lastUpdated": "2026-11-09T22:00:34.1139192Z",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "name": "Save account",
    "description": "Save account",
    "brand": "ubank",
    "applicationUri": "https://www.ubank.com.au",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.ubank.com.au/banking/savings-account",
      "termsUri": "https://www.ubank.com.au/general-terms",
      "feesAndPricingUri": "https://www.ubank.com.au/feesandlimits"
    },
    "features": [
      {
        "featureType": "DIGITAL_BANKING"
      },
      {
        "featureType": "FRAUD_PROTECTION"
      },
      {
        "featureType": "NOTIFICATIONS",
        "additionalValue": "Customers can configure notifications for incoming and outgoing payments, services disruptions and updates, bonus interest reminders, low balance alerts and account access."
      },
      {
        "featureType": "NPP_ENABLED"
      },
      {
        "featureType": "NPP_PAYID"
      },
      {
        "featureType": "UNLIMITED_TXNS"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "16"
      },
      {
        "eligibilityType": "NATURAL_PERSON"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "an Australian citizen or permanent resident with an Australian residential address"
      }
    ],
    "depositRates": [
      {
        "depositRateType": "BONUS",
        "rate": "0.056",
        "calculationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "Bonus Balance Tier 1",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "0.00",
            "maximumValue": "100000.00",
            "rateApplicationMethod": "PER_TIER"
          }
        ],
        "additionalValue": "Customer must grow their total Save account balances by at least $1 each month, excluding interest credits. Does not include accounts that are linked as offsets at the end of the month.",
        "additionalInfo": "Everyday Bonus Rate"
      },
      {
        "depositRateType": "BONUS",
        "rate": "0.056",
        "calculationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "Bonus Balance Tier 2",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "100000.01",
            "maximumValue": "250000.00",
            "rateApplicationMethod": "PER_TIER"
          }
        ],
        "additionalValue": "Customer must grow their total Save account balances by at least $1 each month, excluding interest credits. Does not include accounts that are linked as offsets at the end of the month.",
        "additionalInfo": "Everyday Bonus Rate"
      },
      {
        "depositRateType": "BONUS",
        "rate": "0.056",
        "calculationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "Bonus Balance Tier 3",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "250000.01",
            "maximumValue": "1000000.00",
            "rateApplicationMethod": "PER_TIER"
          }
        ],
        "additionalValue": "Customer must grow their total Save account balances by at least $1 each month, excluding interest credits. Does not include accounts that are linked as offsets at the end of the month.",
        "additionalInfo": "Everyday Bonus Rate"
      },
      {
        "depositRateType": "BONUS",
        "rate": "0.0",
        "calculationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "Bonus Balance Tier 4",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "1000000.01",
            "rateApplicationMethod": "PER_TIER"
          }
        ],
        "additionalValue": "Customer must grow their total Save account balances by at least $1 each month, excluding interest credits. Does not include accounts that are linked as offsets at the end of the month.",
        "additionalInfo": "Everyday Bonus Rate"
      },
      {
        "depositRateType": "INTRODUCTORY",
        "rate": "0.009",
        "calculationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "Welcome Bonus Tier 1",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "0.00",
            "maximumValue": "100000.00",
            "rateApplicationMethod": "PER_TIER"
          }
        ],
        "additionalValue": "P4M",
        "additionalInfo": "Welcome Bonus for eligible new customers. Only paid when Bonus Interest criteria is met. Rates on Shared accounts may be different."
      },
      {
        "depositRateType": "INTRODUCTORY",
        "rate": "0.009",
        "calculationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "Welcome Bonus Tier 2",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "100000.01",
            "maximumValue": "250000.00",
            "rateApplicationMethod": "PER_TIER"
          }
        ],
        "additionalValue": "P4M",
        "additionalInfo": "Welcome Bonus for eligible new customers. Only paid when Bonus Interest criteria is met. Rates on Shared accounts may be different."
      },
      {
        "depositRateType": "INTRODUCTORY",
        "rate": "0.009",
        "calculationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "Welcome Bonus Tier 3",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "250000.01",
            "maximumValue": "1000000.00",
            "rateApplicationMethod": "PER_TIER"
          }
        ],
        "additionalValue": "P4M",
        "additionalInfo": "Welcome Bonus for eligible new customers. Only paid when Bonus Interest criteria is met. Rates on Shared accounts may be different."
      },
      {
        "depositRateType": "INTRODUCTORY",
        "rate": "0.0",
        "calculationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "Welcome Bonus Tier 4",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "1000000.01",
            "rateApplicationMethod": "PER_TIER"
          }
        ],
        "additionalValue": "P4M",
        "additionalInfo": "Welcome Bonus for eligible new customers. Only paid when Bonus Interest criteria is met. Rates on Shared accounts may be different."
      }
    ]
  }
}