{
  "snapshot_at": "2026-11-05T03:32:30Z",
  "brand": "Unity Bank",
  "brand_slug": "unity-bank",
  "product_id": "S87_SMSF_ACCOUNT",
  "cdr_url": "https://ibank.unity.bank/OpenBanking/cds-au/v1/banking/products/S87_SMSF_ACCOUNT",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://ibank.unity.bank/OpenBanking/cds-au/v1/banking/products/S87_SMSF_ACCOUNT'",
  "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": {
    "features": [
      {
        "featureType": "UNLIMITED_TXNS",
        "additionalInfo": "Unlimited electronic transactions available on your account"
      },
      {
        "featureType": "FREE_TXNS",
        "additionalValue": "9999999999",
        "additionalInfo": "Unlimited free electronic transactions available on your account"
      },
      {
        "featureType": "NPP_PAYID",
        "additionalInfo": "Get faster payments between participating banks, anytime with a Pay ID"
      },
      {
        "featureType": "NPP_ENABLED"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Backed by the Government Deposit Guarantee for deposits up to $250,000"
      },
      {
        "featureType": "FRAUD_PROTECTION",
        "additionalInfo": "A range of security features and services provided, including fraud prevention technology and secure banking, to help keep your funds safe."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Transactions need to comply with the superannuation and tax laws."
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "PERMANENT RESIDENT",
        "additionalInfo": "You must be an Australian citizen or permanent resident"
      },
      {
        "eligibilityType": "NATURAL_PERSON"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Must have a registered self-managed super fund."
      }
    ],
    "fees": [
      {
        "name": "MONTHLY_ACCOUNT_FEE",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "currency": "AUD",
        "additionalValue": "P1M",
        "additionalInfo": "Members are exempt from the monthly fee if they: A) Maintain a minimum business balance of $5,000 which is the combined balance of all deposits & borrowings, at all times throughout the month B) Under 25 years or over 65 years C) Held their membership for less than 3 months D) Have zero VISA debit transactions for the month including ATM, eftpos, paywave, digital wallet, online and phone purchases",
        "additionalInfoUri": "https://www.unity.bank/help/rates-fees/"
      },
      {
        "name": "OUTWARD_RTGS_PAYMENT_FEE",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "30.00"
        },
        "currency": "AUD",
        "additionalInfo": "A Processing fee charged when you require funds to be sent straight away",
        "additionalInfoUri": "https://www.unity.bank/help/rates-fees/"
      },
      {
        "name": "INWARD_RTGS_AND_SWIFT_PAYMENT_FEE",
        "feeType": "DEPOSIT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        },
        "currency": "AUD",
        "additionalInfo": "A processing fee charged when you receive funds through this channel",
        "additionalInfoUri": "https://www.unity.bank/help/rates-fees/"
      },
      {
        "name": "PAPER_STATEMENT_FEE",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "2.00"
        },
        "currency": "AUD",
        "additionalValue": "P1M",
        "additionalInfo": "A fee charged to cover the cost of producing and sending paper statements",
        "additionalInfoUri": "https://www.unity.bank/help/rates-fees/"
      },
      {
        "name": "DORMANCY_FEE",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "currency": "AUD",
        "additionalValue": "P1Y",
        "additionalInfo": "A fee charged if your account remains inactive for 7 years, and we will treat your account as dormant. We have a legal obligation to remit dormant balances exceeding $500 to ASIC as unclaimed money",
        "additionalInfoUri": "https://www.unity.bank/help/rates-fees/"
      },
      {
        "name": "TELEGRAPHIC_TRANSFER_-_SERVICE_CENTRE",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "30.00"
        },
        "currency": "AUD",
        "additionalInfo": "A fee charged for a staff assisted foreign transfer",
        "additionalInfoUri": "https://www.unity.bank/help/rates-fees/"
      },
      {
        "name": "TELEGRAPHIC_TRANSFER_-_ONLINE",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "currency": "AUD",
        "additionalInfo": "A fee charged for an online foreign transfer",
        "additionalInfoUri": "https://www.unity.bank/help/rates-fees/"
      },
      {
        "name": "TELEGRAPHIC_TRANSFER_-_AUSTRALIAN",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "50.00"
        },
        "currency": "AUD",
        "additionalInfo": "A fee charged for an online Australian transfer",
        "additionalInfoUri": "https://www.unity.bank/help/rates-fees/"
      },
      {
        "name": "QUICKDEBIT_DISHONOUR_FEE",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "currency": "AUD",
        "additionalInfo": "A fee charged when you have insufficient funds in your account and we are unable to honour the Quick Debit transaction for you",
        "additionalInfoUri": "https://www.unity.bank/help/rates-fees/"
      },
      {
        "name": "FOREIGN_CHEQUE_DEPOSIT_UP_TO_$25,000",
        "feeType": "DEPOSIT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "currency": "AUD",
        "additionalInfo": "A processing fee charged when you deposit foreign cheques up to $25,000",
        "additionalInfoUri": "https://www.unity.bank/help/rates-fees/"
      },
      {
        "name": "FOREIGN_CHEQUE_DEPOSIT_OVER_$25,000",
        "feeType": "DEPOSIT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "50.00"
        },
        "currency": "AUD",
        "additionalInfo": "A processing fee charged when you deposit foreign cheques over $25,000",
        "additionalInfoUri": "https://www.unity.bank/help/rates-fees/"
      }
    ],
    "depositRates": [
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0325",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "Self-Managed Superfund Account_Tier_1",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "0.00",
            "maximumValue": "99999.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalInfo": "Interest is calculated on your daily balance and paid each month, which adds to your overall account balance."
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.047",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "Self-Managed Superfund Account_Tier_2",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "99999.01",
            "maximumValue": "499999.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalInfo": "Interest is calculated on your daily balance and paid each month, which adds to your overall account balance."
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0495",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "Self-Managed Superfund Account_Tier_3",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "499999.01",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalInfo": "Interest is calculated on your daily balance and paid each month, which adds to your overall account balance."
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "repaymentType": "OTHER",
        "loanPurpose": "OTHER",
        "additionalInfo": "The interest rate that applies to any overdrawn amounts. This is calculated daily and charged monthly."
      }
    ],
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "productId": "S87_SMSF_ACCOUNT",
    "lastUpdated": "2026-11-02T09:41:17.000+11:00",
    "name": "Self-Managed Superfund Account",
    "description": "A savings account designed to help you save for retirement and offers greater control over how you invest your superannuation.",
    "brand": "UBL",
    "brandName": "UNITY BANK",
    "applicationUri": "https://www.unity.bank/help/apply-online/apply-for-a-savings-account",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.unity.bank/savings/savings-accounts/smsf-account/",
      "termsUri": "https://www.unity.bank/reusable-documents/disclosure-documents/account-and-access-facility-conditions-of-use/",
      "eligibilityUri": "https://www.unity.bank/reusable-documents/disclosure-documents/account-and-access-facility-conditions-of-use/",
      "feesAndPricingUri": "https://www.unity.bank/help/rates-fees/"
    }
  }
}