{
 "snapshot_at": "2026-10-02T09:49:25Z",
 "brand": "Alex.Bank",
 "brand_slug": "alex-bank",
 "product_id": "6c6f08e9-0d60-44c4-8fc9-79b146366ef9",
 "cdr_url": "https://public.cdr.alex.com.au/cds-au/v1/banking/products/6c6f08e9-0d60-44c4-8fc9-79b146366ef9",
 "x_v": 7,
 "how_to_fetch": "curl -H 'x-v: 7' 'https://public.cdr.alex.com.au/cds-au/v1/banking/products/6c6f08e9-0d60-44c4-8fc9-79b146366ef9'",
 "note": "Verbatim copy of the bank's Consumer Data Right product detail response as fetched by Deep Almanac. The live endpoint requires the x-v header shown. snapshot_at is when this version of the record was first fetched; the file is rewritten only when the bank's data changes.",
 "data": {
  "additionalInformation": {
   "eligibilityUri": "https://www.alex.com.au/legal/term-deposit-tmd/",
   "termsUri": "https://www.alex.com.au/legal/term-deposit-t&cs/"
  },
  "brand": "Alex Bank",
  "brandName": "Alex.Bank",
  "constraints": [
   {
    "additionalValue": "5000.00",
    "constraintType": "MIN_BALANCE"
   },
   {
    "additionalValue": "250000.00",
    "constraintType": "MAX_BALANCE"
   }
  ],
  "depositRates": [
   {
    "additionalInfo": "Interest at Maturity",
    "additionalValue": "P1Y",
    "applicationFrequency": "P1Y",
    "applicationType": "PERIODIC",
    "depositRateType": "FIXED",
    "rate": "0.054",
    "tiers": [
     {
      "maximumValue": "250000.00",
      "minimumValue": "5000.00",
      "name": "Amount",
      "unitOfMeasure": "DOLLAR"
     }
    ]
   },
   {
    "additionalInfo": "Interest Paid Monthly",
    "additionalValue": "P1Y",
    "applicationFrequency": "P1M",
    "applicationType": "MATURITY",
    "depositRateType": "FIXED",
    "rate": "0.053",
    "tiers": [
     {
      "maximumValue": "250000.00",
      "minimumValue": "5000.00",
      "name": "Amount",
      "unitOfMeasure": "DOLLAR"
     }
    ]
   },
   {
    "additionalInfo": "Interest Paid Monthly",
    "additionalValue": "P2Y",
    "applicationFrequency": "P1M",
    "applicationType": "PERIODIC",
    "depositRateType": "FIXED",
    "rate": "0.049",
    "tiers": [
     {
      "maximumValue": "250000.00",
      "minimumValue": "5000.00",
      "name": "Amount",
      "unitOfMeasure": "DOLLAR"
     }
    ]
   },
   {
    "additionalInfo": "Interest Paid Annually",
    "additionalValue": "P2Y",
    "applicationFrequency": "P1Y",
    "applicationType": "PERIODIC",
    "depositRateType": "FIXED",
    "rate": "0.05",
    "tiers": [
     {
      "maximumValue": "250000.00",
      "minimumValue": "5000.00",
      "name": "Amount",
      "unitOfMeasure": "DOLLAR"
     }
    ]
   },
   {
    "additionalInfo": "Interest Paid Monthly",
    "additionalValue": "P3Y",
    "applicationFrequency": "P1M",
    "applicationType": "PERIODIC",
    "depositRateType": "FIXED",
    "rate": "0.049",
    "tiers": [
     {
      "maximumValue": "250000.00",
      "minimumValue": "5000.00",
      "name": "Amount",
      "unitOfMeasure": "DOLLAR"
     }
    ]
   },
   {
    "additionalInfo": "Interest Paid Annually",
    "additionalValue": "P3Y",
    "applicationFrequency": "P1Y",
    "applicationType": "PERIODIC",
    "depositRateType": "FIXED",
    "rate": "0.05",
    "tiers": [
     {
      "maximumValue": "250000.00",
      "minimumValue": "5000.00",
      "name": "Amount",
      "unitOfMeasure": "DOLLAR"
     }
    ]
   },
   {
    "additionalInfo": "Interest Paid Monthly",
    "additionalValue": "P1Y6M",
    "applicationFrequency": "P1M",
    "applicationType": "PERIODIC",
    "depositRateType": "FIXED",
    "rate": "0.049",
    "tiers": [
     {
      "maximumValue": "250000.00",
      "minimumValue": "5000.00",
      "name": "Amount",
      "unitOfMeasure": "DOLLAR"
     }
    ]
   },
   {
    "additionalInfo": "Interest Paid Annually",
    "additionalValue": "P1Y6M",
    "applicationFrequency": "P1Y",
    "applicationType": "PERIODIC",
    "depositRateType": "FIXED",
    "rate": "0.05",
    "tiers": [
     {
      "maximumValue": "250000.00",
      "minimumValue": "5000.00",
      "name": "Amount",
      "unitOfMeasure": "DOLLAR"
     }
    ]
   },
   {
    "additionalInfo": "Interest Paid Monthly",
    "additionalValue": "P4Y",
    "applicationFrequency": "P1M",
    "applicationType": "PERIODIC",
    "depositRateType": "FIXED",
    "rate": "0.049",
    "tiers": [
     {
      "maximumValue": "250000.00",
      "minimumValue": "5000.00",
      "name": "Amount",
      "unitOfMeasure": "DOLLAR"
     }
    ]
   },
   {
    "additionalInfo": "Interest Paid Annually",
    "additionalValue": "P4Y",
    "applicationFrequency": "P1Y",
    "applicationType": "PERIODIC",
    "depositRateType": "FIXED",
    "rate": "0.05",
    "tiers": [
     {
      "maximumValue": "250000.00",
      "minimumValue": "5000.00",
      "name": "Amount",
      "unitOfMeasure": "DOLLAR"
     }
    ]
   },
   {
    "additionalInfo": "Interest Paid Monthly",
    "additionalValue": "P5Y",
    "applicationFrequency": "P1M",
    "applicationType": "PERIODIC",
    "depositRateType": "FIXED",
    "rate": "0.049",
    "tiers": [
     {
      "maximumValue": "250000.00",
      "minimumValue": "5000.00",
      "name": "Amount",
      "unitOfMeasure": "DOLLAR"
     }
    ]
   },
   {
    "additionalInfo": "Interest Paid Annually",
    "additionalValue": "P5Y",
    "applicationFrequency": "P1Y",
    "applicationType": "PERIODIC",
    "depositRateType": "FIXED",
    "rate": "0.05",
    "tiers": [
     {
      "maximumValue": "250000.00",
      "minimumValue": "5000.00",
      "name": "Amount",
      "unitOfMeasure": "DOLLAR"
     }
    ]
   },
   {
    "additionalInfo": "Interest Paid at Maturity",
    "additionalValue": "P9M",
    "applicationFrequency": "P9M",
    "applicationType": "MATURITY",
    "depositRateType": "FIXED",
    "rate": "0.0475",
    "tiers": [
     {
      "maximumValue": "250000.00",
      "minimumValue": "5000.00",
      "name": "Amount",
      "unitOfMeasure": "DOLLAR"
     }
    ]
   },
   {
    "additionalInfo": "Interest Paid at Maturity",
    "additionalValue": "P6M",
    "applicationFrequency": "P6M",
    "applicationType": "MATURITY",
    "depositRateType": "FIXED",
    "rate": "0.051",
    "tiers": [
     {
      "maximumValue": "250000.00",
      "minimumValue": "5000.00",
      "name": "Amount",
      "unitOfMeasure": "DOLLAR"
     }
    ]
   }
  ],
  "description": "Alex gets you a competitive interest rate on your term deposit. Origination via invite only.",
  "eligibility": [
   {
    "additionalInfo": "Individual, Joint (max of 2 individuals), Sole Trader, Trust (max 1 company trustee and/or up to 4 individual trustees), Self-Managed Superannuation Fund, Australian Registered Company ",
    "additionalValue": "Eligible Customers",
    "eligibilityType": "OTHER"
   },
   {
    "additionalValue": "Individuals must be an Australian Citizen or Permanent Resident.",
    "eligibilityType": "RESIDENCY_STATUS"
   },
   {
    "additionalValue": "18",
    "eligibilityType": "MIN_AGE"
   },
   {
    "additionalInfo": "Origination via accredited invite only. ",
    "additionalValue": "Channel",
    "eligibilityType": "OTHER"
   }
  ],
  "features": [
   {
    "additionalInfo": "Reinvest Principal and Interest, Reinvest Principal and Payout Interest, Payout Principal and Interest.",
    "additionalValue": "Maturity Options",
    "featureType": "OTHER"
   },
   {
    "additionalInfo": "At Maturity, Annually, Monthly.",
    "additionalValue": "Interest Payment Options",
    "featureType": "OTHER"
   },
   {
    "additionalInfo": "7 calendar days from the date of reinvestment.",
    "additionalValue": "Grace Period",
    "featureType": "OTHER"
   },
   {
    "additionalInfo": "31 calendar days' advance notice in writing unless financial hardship applies. An interest or principal adjustment may be applicable.",
    "additionalValue": "Early Withdrawal",
    "featureType": "OTHER"
   }
  ],
  "fees": [
   {
    "additionalValue": "month",
    "feeMethodUType": "fixedAmount",
    "feeType": "PERIODIC",
    "fixedAmount": {
     "amount": "0.00"
    },
    "name": "Account Keeping Fee"
   }
  ],
  "isTailored": false,
  "lastUpdated": "2026-10-01T14:01:11Z",
  "name": "Term Deposit - Direct",
  "productCategory": "TERM_DEPOSITS",
  "productId": "6c6f08e9-0d60-44c4-8fc9-79b146366ef9"
 }
}