{
  "snapshot_at": "2026-10-22T13:25:59Z",
  "brand": "UBank",
  "brand_slug": "ubank",
  "product_id": "14",
  "cdr_url": "https://public.cdr-api.86400.com.au/cds-au/v1/banking/products/14",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://public.cdr-api.86400.com.au/cds-au/v1/banking/products/14'",
  "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": "14",
    "effectiveFrom": "2023-11-12T13:30:00.0000000Z",
    "lastUpdated": "2025-11-13T06:00:34.2851844Z",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "name": "Bills account",
    "description": "Bills account",
    "brand": "ubank",
    "applicationUri": "https://www.ubank.com.au",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.ubank.com.au/banking/bills-account",
      "termsUri": "https://www.ubank.com.au/general-terms",
      "feesAndPricingUri": "https://www.ubank.com.au/feesandlimits"
    },
    "features": [
      {
        "featureType": "BILL_PAYMENT",
        "additionalInfo": "There is a BPAY limit of $20,000 per day."
      },
      {
        "featureType": "DIGITAL_BANKING"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Apple Pay, Google Pay, Samsung Pay and Garmin Pay"
      },
      {
        "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"
      }
    ]
  }
}