{
  "snapshot_at": "2026-10-22T13:26:03Z",
  "brand": "Wise",
  "brand_slug": "wise",
  "product_id": "WiseMCA",
  "cdr_url": "https://au-cdrbanking-pub.wise.com/cds-au/v1/banking/products/WiseMCA",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://au-cdrbanking-pub.wise.com/cds-au/v1/banking/products/WiseMCA'",
  "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": "WiseMCA",
    "lastUpdated": "2025-10-21T00:05:00Z",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "name": "Wise Multi Currency Account",
    "description": "The Wise Multi Currency Account enables customers to send money internationally, get paid and hold money in different currencies, and spend money overseas with the Wise debit card.",
    "brand": "Wise",
    "brandName": "Wise",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://wise.com/au/multi-currency-account/",
      "termsUri": "https://wise.com/terms-and-conditions",
      "eligibilityUri": "https://wise.com/help/articles/2830107/getting-verified-in-australia",
      "feesAndPricingUri": "https://wise.com/au/pricing/receive"
    },
    "cardArt": [
      {
        "cardScheme": "MASTERCARD",
        "cardType": "DEBIT",
        "title": "Wise Card",
        "imageUri": "https://wise.com/public-resources/assets/spend/card-asset/large/v2/personal_green_wise_2023@2x.png"
      }
    ],
    "features": [
      {
        "featureType": "NOTIFICATIONS",
        "additionalInfo": "Types of notifications\nYour transfers and balances: Notifications about where your money is.\n\nYour Wise card: Notifications about your card transactions.\n\nCurrencies and features: News about our latest work. Plus tips on using Wise.\n\nInterviews, reviews, and surveys: Invites to test new products and share your thoughts.\n\nOur campaigns: Updates about causes we care about. chances to get involved.\n\nHow you get notifications\nEmail: We’ll send your notifications to the email address that you’ve registered with.\n\nPush: We’ll send your notifications to any device that you have installed the app on.\n\nInbox message: You’ll see an alert on the homepage when you log in to your account."
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalInfo": "Wise Multi Currency Account"
      },
      {
        "featureType": "CARD_ACCESS",
        "additionalInfo": "Wise offers a debit card linked to your Multi Currency Account to withdraw, and make payments and purchases."
      },
      {
        "featureType": "DIGITAL_BANKING"
      },
      {
        "featureType": "NPP_ENABLED"
      }
    ],
    "constraints": [
      {
        "constraintType": "OPENING_BALANCE",
        "additionalValue": "0.00"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18",
        "additionalInfo": "You should be aged 18 or over."
      }
    ],
    "fees": [
      {
        "name": "Daily Fee",
        "feeType": "OTHER",
        "feeMethodUType": "rateBased",
        "rateBased": {
          "rateType": "BALANCE",
          "rate": "0.0000437"
        },
        "currency": "AUD",
        "additionalInfo": "Daily fee of 0.00437% for amounts held over the equivalent of 23,000 AUD, charged at the end of each month."
      },
      {
        "name": "Get Bank Details",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "30.00"
        },
        "currency": "AUD",
        "additionalInfo": "For business customers, get banks details to receive different currencies."
      },
      {
        "name": "Order Debit Card",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Replace Debit Card",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "6.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Withdrawal",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD"
      }
    ]
  }
}