{
  "snapshot_at": "2026-11-12T02:33:52Z",
  "brand": "UniBank",
  "brand_slug": "unibank",
  "product_id": "8ec0c776-eec2-4dea-8fa3-64602cf50fa3",
  "cdr_url": "https://ob.tmbl.com.au/unibank/cds-au/v1/banking/products/8ec0c776-eec2-4dea-8fa3-64602cf50fa3",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://ob.tmbl.com.au/unibank/cds-au/v1/banking/products/8ec0c776-eec2-4dea-8fa3-64602cf50fa3'",
  "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": "8ec0c776-eec2-4dea-8fa3-64602cf50fa3",
    "lastUpdated": "2026-11-12T07:34:03.000+11:00",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "name": "Starter Saver account",
    "description": "Starter Saver Account is a high interest savings account for Under 30 year olds that rewards savings.",
    "brand": "UB",
    "brandName": "UniBank",
    "applicationUri": "https://www.unibank.com.au/banking/starter-saver",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.unibank.com.au/banking/starter-saver",
      "termsUri": "https://www.unibank.com.au/content/dam/documents/collateral/conditions-of-use.pdf",
      "eligibilityUri": "https://www.unibank.com.au/banking/starter-saver",
      "feesAndPricingUri": "https://www.unibank.com.au/content/dam/documents/collateral/fees-and-charges.pdf"
    },
    "features": [
      {
        "featureType": "OTHER",
        "additionalInfo": "The product pays members a higher rate of interest on balances up to $50,000.00, with a stepped down rate for balances $50,000.01 and over. Members have funds available at call, with flexibility to access their funds without forfeiting interest within a calendar month."
      },
      {
        "featureType": "DIGITAL_BANKING"
      },
      {
        "featureType": "NPP_PAYID"
      },
      {
        "featureType": "NPP_ENABLED"
      },
      {
        "featureType": "NOTIFICATIONS",
        "additionalValue": "Track payments with SMS and email alerts."
      },
      {
        "featureType": "UNLIMITED_TXNS"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "You must be a member. Membership is open to current or retired employees, graduates and post-graduates and current students of an Australian university or family members of members (i.e. shareholders) of the Bank.",
        "additionalInfoUri": "https://www.unibank.com.au/banking/starter-saver"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "Individuals must be citizens or permanent residents of Australia."
      },
      {
        "eligibilityType": "MAX_AGE",
        "additionalValue": "29",
        "additionalInfo": "This Product is only available for members aged under 30 years and Students"
      }
    ],
    "depositRates": [
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0575",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "Starter Saver account_Tier_1",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "0.00",
            "maximumValue": "50000.00",
            "rateApplicationMethod": "PER_TIER"
          }
        ],
        "additionalInfo": "The product pays members a higher rate of interest on balances up to $20,000.00, with a stepped down rate for balances $20,000.01 and over. Members have funds available at call, with flexibility to access their funds without forfeiting interest within a calendar month."
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0475",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "Starter Saver account_Tier_2",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "50000.01",
            "rateApplicationMethod": "PER_TIER"
          }
        ],
        "additionalInfo": "The product pays members a higher rate of interest on balances up to $20,000.00, with a stepped down rate for balances $20,000.01 and over. Members have funds available at call, with flexibility to access their funds without forfeiting interest within a calendar month."
      }
    ]
  }
}