{
 "snapshot_at": "2026-10-02T09:49:31Z",
 "brand": "Bank of China",
 "brand_slug": "bank-of-china",
 "product_id": "55070024",
 "cdr_url": "https://api-gateway.bankofchina.com.au/cds-au/v1/banking/products/55070024",
 "x_v": 7,
 "how_to_fetch": "curl -H 'x-v: 7' 'https://api-gateway.bankofchina.com.au/cds-au/v1/banking/products/55070024'",
 "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": {
  "productId": "55070024",
  "effectiveFrom": "2012-02-10T00:00:00.000+11:00",
  "effectiveTo": "9999-12-31T00:00:00.000+11:00",
  "lastUpdated": "2026-01-30T06:00:46.000+11:00",
  "productCategory": "TERM_DEPOSITS",
  "name": "Term Deposit CNY 3M",
  "description": "Term Deposit CNY 3M",
  "brand": "BCA",
  "brandName": "Bank of China",
  "isTailored": false,
  "additionalInformation": {
   "overviewUri": "https://www.bankofchina.com/au/en/pbservice/pb1/201712/t20171214_10912803.html",
   "termsUri": "https://www.bankofchina.com/au/en/bocinfo/bi3/201610/t20161020_10963641.html",
   "eligibilityUri": "https://www.bankofchina.com/au/en/bocinfo/bi3/201610/t20161020_10963641.html",
   "feesAndPricingUri": "https://www.bankofchina.com/au/en/bocinfo/bi2/201706/t20170629_10963936.html"
  },
  "bundles": [],
  "features": [
   {
    "featureType": "DIGITAL_BANKING"
   }
  ],
  "constraints": [
   {
    "constraintType": "OPENING_BALANCE",
    "additionalValue": "50000",
    "additionalInfo": "minimal opening balance CNY 50000"
   }
  ],
  "eligibility": [
   {
    "eligibilityType": "MIN_AGE",
    "additionalValue": "16",
    "additionalInfo": "accepted visa required"
   }
  ],
  "fees": [],
  "depositRates": [
   {
    "depositRateType": "FIXED",
    "rate": "0.016",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "additionalValue": "Term Deposit CNY 3M"
   }
  ],
  "lendingRates": []
 }
}