{
  "snapshot_at": "2026-11-12T02:33:54Z",
  "brand": "Up",
  "brand_slug": "up",
  "product_id": "up-saver",
  "cdr_url": "https://api.up.com.au/cds-au/v1/banking/products/up-saver",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://api.up.com.au/cds-au/v1/banking/products/up-saver'",
  "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": "up-saver",
    "effectiveFrom": "2019-07-02T00:00:00+10:00",
    "effectiveTo": "9999-12-30T01:00:00+11:00",
    "lastUpdated": "2026-11-12T00:00:06+11:00",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "name": "Up Saver",
    "description": "Up Savers are free to use and pay up to 5.85% p.a. interest per month. Create up to 50 Savers that include features to support money management, like Pay Splitting and scheduled transfers.",
    "brand": "Up",
    "brandName": "Up",
    "brandGroup": "Up",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://up.com.au/saving",
      "termsUri": "https://up.com.au/product-terms/",
      "eligibilityUri": "https://up.com.au/product-terms/#keyfeaturestable",
      "feesAndPricingUri": "https://up.com.au/pricing/"
    },
    "features": [
      {
        "featureType": "DIGITAL_BANKING"
      }
    ],
    "constraints": [],
    "eligibility": [
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "16"
      }
    ],
    "depositRates": [
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M"
      },
      {
        "depositRateType": "BONUS",
        "rate": "0.0385",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "Combined Balance Limit",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "0.00",
            "maximumValue": "250000.00",
            "rateApplicationMethod": "PER_TIER",
            "additionalInfo": "Available on multiple Savers, up to a combined balance of $250,000.",
            "additionalInfoUri": "https://up.com.au/pricing/"
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "MIN_PURCHASES",
            "additionalValue": "5"
          },
          {
            "rateApplicabilityType": "MAX_WITHDRAWALS",
            "additionalValue": "0"
          }
        ],
        "additionalValue": "Earn a total 5.85% on any eligible Saver when you make 5 or more eligible card purchases from your Everyday Account and no withdrawals are made from that Saver during the month. No monthly deposit required."
      },
      {
        "depositRateType": "BONUS",
        "rate": "0.02",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "MIN_PURCHASES",
            "additionalValue": "5"
          }
        ],
        "additionalValue": "Earn a total 2.00% on any eligible Saver you withdraw from during the month, when you make 5 or more eligible card purchases from your Everyday Account."
      },
      {
        "depositRateType": "BONUS",
        "rate": "0.02",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "Combined Balance Limit",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "250000.01",
            "rateApplicationMethod": "PER_TIER",
            "additionalInfo": "Available on multiple Savers, exceeding a combined balance of $250,000.",
            "additionalInfoUri": "https://up.com.au/pricing/"
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "MIN_PURCHASES",
            "additionalValue": "5"
          },
          {
            "rateApplicabilityType": "MAX_WITHDRAWALS",
            "additionalValue": "0"
          }
        ],
        "additionalValue": "This rate applies to the portion of your combined Saver balances above $250,000, when no withdrawals are made during the month and you make 5 or more eligible card purchases from your Everyday Account."
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.1123",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "OTHER",
        "loanPurpose": "OTHER",
        "additionalInfo": "The interest rate that applies on overdrawn amounts. We may calculate interest on the overdrawn amount on a daily basis, and debit it to your account monthly for the UP Saver Account, until the overdrawn amount is repaid.",
        "additionalInfoUri": "https://up.com.au/product-terms/#section-b"
      }
    ]
  }
}