{
  "snapshot_at": "2026-11-13T01:42:52Z",
  "brand": "Westpac",
  "brand_slug": "westpac",
  "product_id": "SavLife",
  "cdr_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/SavLife",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://digital-api.westpac.com.au/cds-au/v1/banking/products/SavLife'",
  "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": "SavLife",
    "lastUpdated": "2026-11-13T01:56:11Z",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "name": "Westpac Life",
    "description": "Westpac Life is a flexible savings account that supports your savings goals.",
    "brand": "Westpac",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.westpac.com.au/bank-accounts/savings-accounts/life",
      "termsUri": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/PersonalAccounts-tandc.pdf",
      "eligibilityUri": "https://www.westpac.com.au/bank-accounts/savings-accounts/life",
      "feesAndPricingUri": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/PersonalAccounts-tandc.pdf"
    },
    "features": [
      {
        "featureType": "CASHBACK_OFFER",
        "additionalValue": "50.00",
        "additionalInfo": "You could earn $50 cashback if you open a new Westpac Choice everyday account and an eligible savings account by 31st March 2027, here's how you could get $50: Spend at least $50 on your debit card within 15 days of opening on eligible purchases. You must not have held any Westpac transaction account or savings account in the last 2 years. Accounts must be in your name only (no joint accounts). Must be 18+ years or older. T&Cs apply.",
        "additionalInfoUri": "https://www.westpac.com.au/bank-accounts/campaign-faqs"
      },
      {
        "featureType": "UNLIMITED_TXNS",
        "additionalInfo": "Unlimited and instant access to your money online through your Westpac everyday account"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "The Westpac Life account comes with a Westpac Choice everyday account so you can easily transfer money in and out. We'll only open a Choice account if you don't already have one."
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Online, Mobile and telephone banking is available"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Statements: 6 monthly, or more frequently on request."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Bonus interest - You could boost savings each month you grow your balance.",
        "additionalInfoUri": "https://www.westpac.com.au/bank-accounts/savings-accounts/life/bonus-interest"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Bucket your savings - In up to 6 different Savings Goals with just one account.",
        "additionalInfoUri": "https://www.westpac.com.au/bank-accounts/savings-accounts/savings-goals"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Set Savings Goals -Track how much you should save to reach your goal or create a shared goal and invite others to contribute."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Separate savings - Check savings and spending in one view with the Westpac App."
      },
      {
        "featureType": "FRAUD_PROTECTION",
        "additionalInfo": "The product includes FRAUD_PROTECTION features."
      },
      {
        "featureType": "FRAUD_PROTECTION",
        "additionalInfo": "Secure your account with SafeBlock - Find out how SafeBlock can help keep you safe when you need it most by locking your cards and account. Explore more security features: Digital Card with Dynamic CVC, Westpac ProtectTM Security Code, Westpac Safecall, Westpac Verify",
        "additionalInfoUri": "https://www.westpac.com.au/security/how-we-protect-you/"
      },
      {
        "featureType": "RELATIONSHIP_MANAGEMENT",
        "additionalInfo": "RELATIONSHIP_MANAGEMENT is available for eligible customers."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Account can be opened via Online, mobile, in branch and telephone."
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "Those with an Australian residential address and who are currently in Australia."
      }
    ],
    "fees": [
      {
        "name": "Account Keeping Fee",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "additionalValue": "P1M"
      },
      {
        "name": "Online Banking (including Mobile Banking)",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "additionalInfo": "Online transfer withdrawals via Online Banking."
      },
      {
        "name": "Telephone Banking withdrawal (self service)",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        }
      },
      {
        "name": "Telephone Banking withdrawal (staff assisted)",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        }
      },
      {
        "name": "Branch staff assisted withdrawal",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        }
      },
      {
        "name": "Direct Debit",
        "feeType": "PAYMENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        }
      }
    ],
    "depositRates": [
      {
        "depositRateType": "VARIABLE",
        "rate": "0.001",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "OTHER",
            "additionalInfo": "Standard variable base rate (when no standard variable bonus rate applies). Interest is calculated daily on your account balance up to the second last business day of the month. Interest is paid into the account on the last business day of the month."
          }
        ]
      },
      {
        "depositRateType": "BONUS",
        "rate": "0.054",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "MIN_DEPOSITS",
            "additionalValue": "1",
            "additionalInfo": "Account balance must not fall below $0 at any time. Make at least one deposit. Interest paid into the account doesn't count. Account balance on the last business day of the month is higher than the account balance on the last business day of the previous month."
          },
          {
            "rateApplicabilityType": "DEPOSIT_BALANCE_INCREASED",
            "additionalValue": "0.01"
          }
        ],
        "additionalValue": "P1M",
        "additionalInfo": "Interest is calculated daily on your account balance up to the second last business day of the month. Interest is paid into the account on the last business day of the month."
      },
      {
        "depositRateType": "BONUS",
        "rate": "0.007",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "Bonus interest is calculated on the daily balance of your eligible Westpac Life account up to $150,000.",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "1.00",
            "maximumValue": "150000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "OTHER",
            "additionalInfo": "On up to $150,000 Spend&Save variable bonus rate."
          },
          {
            "rateApplicabilityType": "MIN_PURCHASES",
            "additionalValue": "20",
            "additionalInfo": "You must make 20 eligible purchases with the debit card linked to your Westpac Choice account"
          }
        ],
        "additionalValue": "P1M",
        "additionalInfo": "Be aged 18-40 with a Westpac Life and Westpac Choice account in your name (Joint accounts are not eligible and only one Spend&Save offer applies per customer). If you have multiple Westpac Life accounts, only the earliest opened account is eligible for bonus interest. Make at least 20 eligible purchases with the Debit Mastercard linked to your Westpac Choice account. Purchases must be settled (not pending) by 11:59pm Sydney time on the second last business day within a month. Offer may be varied or withdrawn at any time.",
        "additionalInfoUri": "https://www.westpac.com.au/bank-accounts/savings-accounts/spend-save-ntb"
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "PENALTY",
        "rate": "0.1501",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "OTHER",
        "loanPurpose": "OTHER",
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "OTHER",
            "additionalInfo": "The Unarranged Lending Rate (ULR) is a debit interest rate charged to a transaction account if it becomes overdrawn without arrangement. It will be calculated daily on the debit balance (and deducted on the last business day of each month) using the then current ULR until the account balance is positive again."
          }
        ],
        "additionalValue": "P1M"
      }
    ]
  }
}