{
  "snapshot_at": "2026-11-13T01:42:52Z",
  "brand": "Westpac",
  "brand_slug": "westpac",
  "product_id": "WestpacNoticeSaver",
  "cdr_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/WestpacNoticeSaver",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://digital-api.westpac.com.au/cds-au/v1/banking/products/WestpacNoticeSaver'",
  "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": "WestpacNoticeSaver",
    "lastUpdated": "2026-11-13T00:17:25Z",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "name": "Westpac Notice Saver 31, 60 & 90 days",
    "description": "Surplus cash flow solution designed at variable interest rate with the choice of notice period.",
    "brand": "Westpac",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.westpac.com.au/business-banking/bank-accounts/notice-saver-lp/",
      "termsUri": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/bb/Westpac_Notice_Saver_Combined_Financial_Services_Guide_and_PDS.pdf",
      "eligibilityUri": "https://www.westpac.com.au/business-banking/bank-accounts/notice-saver-lp/",
      "feesAndPricingUri": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/bb/Westpac_Notice_Saver_Combined_Financial_Services_Guide_and_PDS.pdf"
    },
    "features": [
      {
        "featureType": "OTHER",
        "additionalInfo": "Can add funds to the account at any time, whilst having the option to withdraw some or all of the funds after waiting a predetermined notice period."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "No account-keeping fees"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Fee-free linked account transfer: Transfer funds to and from your Westpac transaction account via Online Banking."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Earn variable interest at the applicable portion of the funds"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Minimum opening balance of $500,000 to be deposited within the first 30 days for 31, 60 or 90 day notice period"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Only available to a Westpac Commercial Bank or Private Bank customer with a relationship manager or private banker"
      },
      {
        "featureType": "DIGITAL_BANKING"
      },
      {
        "featureType": "RELATIONSHIP_MANAGEMENT",
        "additionalInfo": "RELATIONSHIP_MANAGEMENT is available for eligible customers."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Interest is paid on a monthly basis."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "You have choice of 3 or 6 monthly statements."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Unlimited free self-service enquiries."
      },
      {
        "featureType": "FRAUD_PROTECTION",
        "additionalInfo": "The product includes FRAUD_PROTECTION features."
      },
      {
        "featureType": "FRAUD_PROTECTION",
        "additionalInfo": "Westpac Protect Online Banking Security Guarantee. If your Westpac account is compromised due to Online Banking fraud, we guarantee to repay any missing funds, provided you comply with our Online Banking Terms and Conditions."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Account enquiries are always free when you use Online Banking."
      },
      {
        "featureType": "FUNDS_AVAILABLE_AFTER",
        "additionalValue": "P31D",
        "additionalInfo": "Funds deposited into Notice Saver are not immediately available for withdrawal and remain on hold until a Notice of Withdrawal has been lodged and the applicable 31 day notice period has expired"
      },
      {
        "featureType": "FUNDS_AVAILABLE_AFTER",
        "additionalValue": "P60D",
        "additionalInfo": "Funds deposited into Notice Saver are not immediately available for withdrawal and remain on hold until a Notice of Withdrawal has been lodged and the applicable 60 day notice period has expired"
      },
      {
        "featureType": "FUNDS_AVAILABLE_AFTER",
        "additionalValue": "P90D",
        "additionalInfo": "Funds deposited into Notice Saver are not immediately available for withdrawal and remain on hold until a Notice of Withdrawal has been lodged and the applicable 90 day notice period has expired."
      }
    ],
    "constraints": [
      {
        "constraintType": "OTHER",
        "additionalInfo": "The Westpac Notice Saver account requires a minimum opening balance of $500,000 to be deposited within the first 30 days and is opened with either a 31, 60 or 90 day notice period. At the end of your notice period, you have the option of withdrawing some or all of your funds. Interest is calculated daily and paid monthly. You can deposit funds to your account at any time to ensure you earn a variable rate of return."
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18",
        "additionalInfo": "Applicant plus all signatories"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "Operating in Australia with an Australian address"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Eligible entities include individuals, sole traders, partnerships, companies, associations, self-managed super funds, trusts and not-for-profit organisations"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Needs an eligible Westpac business transaction account to link to."
      }
    ],
    "fees": [
      {
        "name": "Account Keeping Fee",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "additionalValue": "P1M"
      },
      {
        "name": "Self-Service (Electronic) Withdrawals",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        }
      },
      {
        "name": "Self-Service (Electronic) Deposits",
        "feeType": "DEPOSIT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        }
      },
      {
        "name": "Staff-Assisted Withdrawal",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "additionalInfo": "These transactions are not available, however if they occur, a $5.00 fee will be charged for each transaction."
      },
      {
        "name": "Staff-Assisted Deposit",
        "feeType": "DEPOSIT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "2.50"
        }
      },
      {
        "name": "Periodical Payments",
        "feeType": "PAYMENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        }
      },
      {
        "name": "Telephone Banking",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "additionalInfo": "Unlimited free self-service enquiries"
      },
      {
        "name": "Online Banking",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "additionalInfo": "Account enquiries are always free when you use Online Banking."
      }
    ],
    "depositRates": [
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0515",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
            "additionalValue": "500000.00",
            "additionalInfo": "Funds on Hold: The Westpac Notice Saver account requires a minimum opening balance of $500,000 to be deposited within the first 30 days and is opened with either a 31 day notice period."
          }
        ]
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.03",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
            "additionalValue": "500000.00",
            "additionalInfo": "Funds on Notice: The Westpac Notice Saver account requires a minimum opening balance of $500,000 to be deposited within the first 30 days and is opened with either a 31 day notice period."
          }
        ]
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.00",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
            "additionalValue": "500000.00",
            "additionalInfo": "Funds at Call: The Westpac Notice Saver account requires a minimum opening balance of $500,000 to be deposited within the first 30 days and is opened with either a 31 day notice period."
          }
        ]
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.053",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
            "additionalValue": "500000.00",
            "additionalInfo": "Funds on Hold: The Westpac Notice Saver account requires a minimum opening balance of $500,000 to be deposited within the first 30 days and is opened with either a 60 day notice period."
          }
        ]
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.035",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
            "additionalValue": "500000.00",
            "additionalInfo": "Funds on Notice: The Westpac Notice Saver account requires a minimum opening balance of $500,000 to be deposited within the first 30 days and is opened with either a 60 day notice period."
          }
        ]
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.00",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
            "additionalValue": "500000.00",
            "additionalInfo": "Funds at Call: The Westpac Notice Saver account requires a minimum opening balance of $500,000 to be deposited within the first 30 days and is opened with either a 60 day notice period."
          }
        ]
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.054",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
            "additionalValue": "500000.00",
            "additionalInfo": "Funds on Hold: The Westpac Notice Saver account requires a minimum opening balance of $500,000 to be deposited within the first 30 days and is opened with either a 90 day notice period."
          }
        ]
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0375",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
            "additionalValue": "500000.00",
            "additionalInfo": "Funds on Notice: The Westpac Notice Saver account requires a minimum opening balance of $500,000 to be deposited within the first 30 days and is opened with either a 90 day notice period."
          }
        ]
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.00",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
            "additionalValue": "500000.00",
            "additionalInfo": "Funds at Call: The Westpac Notice Saver account requires a minimum opening balance of $500,000 to be deposited within the first 30 days and is opened with either a 90 day notice period."
          }
        ]
      }
    ]
  }
}