{
 "snapshot_at": "2026-10-02T09:49:48Z",
 "brand": "Beyond Bank Australia",
 "brand_slug": "beyond-bank-australia",
 "product_id": "21",
 "cdr_url": "https://public.cdr.api.beyondbank.com.au/cds-au/v1/banking/products/21",
 "x_v": 7,
 "how_to_fetch": "curl -H 'x-v: 7' 'https://public.cdr.api.beyondbank.com.au/cds-au/v1/banking/products/21'",
 "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": "21",
  "effectiveFrom": "2001-07-16T14:30:00.0000000Z",
  "lastUpdated": "2026-09-28T12:00:30.9399881Z",
  "productCategory": "TERM_DEPOSITS",
  "name": "INV - 12 Mth Trf Mthly",
  "description": "Term deposits are a secure way to grow your money with a guaranteed interest rate for a fixed period with interest paid monthly.",
  "brand": "BYD",
  "brandName": "Beyond Bank Australia",
  "applicationUri": "https://www.beyondbank.com.au/bank-and-save/accounts/term-deposits/",
  "isTailored": false,
  "additionalInformation": {
   "overviewUri": "https://www.beyondbank.com.au/bank-and-save/accounts/term-deposits/",
   "termsUri": "https://www.beyondbank.com.au/bank-and-save/accounts/term-deposits/",
   "eligibilityUri": "https://www.beyondbank.com.au/bank-and-save/accounts/term-deposits/",
   "feesAndPricingUri": "https://www.beyondbank.com.au/bank-and-save/accounts/term-deposits/"
  },
  "features": [
   {
    "featureType": "OTHER",
    "additionalInfo": "Additional Bonus Rates for Life Membership customers and Community groups."
   },
   {
    "featureType": "OTHER",
    "additionalInfo": "Securely backed by the Government Guarantee",
    "additionalInfoUri": "https://www.beyondbank.com.au/bank-and-save/accounts/term-deposits/"
   }
  ],
  "constraints": [
   {
    "constraintType": "MAX_BALANCE",
    "additionalValue": "5000000.00",
    "additionalInfo": "Maximum investment is $5,000,000.00"
   },
   {
    "constraintType": "MIN_BALANCE",
    "additionalValue": "2000.00",
    "additionalInfo": "Minimum investment from $2,000.00"
   },
   {
    "constraintType": "OPENING_BALANCE",
    "additionalValue": "2000.00",
    "additionalInfo": "Minimum investment from $2,000.00"
   }
  ],
  "eligibility": [
   {
    "eligibilityType": "BUSINESS",
    "additionalInfo": "Available for all customers."
   },
   {
    "eligibilityType": "NATURAL_PERSON",
    "additionalInfo": "Available for all customers."
   },
   {
    "eligibilityType": "OTHER",
    "additionalInfo": "Membership: You must be or become a Beyond Bank Australia member"
   }
  ],
  "fees": [
   {
    "name": "Early Redemption Administration Fee",
    "feeType": "EVENT",
    "feeMethodUType": "fixedAmount",
    "fixedAmount": {
     "amount": "25.00"
    },
    "currency": "AUD",
    "additionalInfo": "If you redeem a term deposit prior to maturity (in whole or in part) you will be required to pay an Early Redemption Fee and the interest payable to you on the amount withdrawn will be reduced. Terms and Conditions apply.",
    "additionalInfoUri": "https://www.beyondbank.com.au/bank-and-save/accounts/term-deposits/"
   }
  ],
  "depositRates": [
   {
    "depositRateType": "FIXED",
    "rate": "0.048",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P1M",
    "tiers": [
     {
      "name": "Tier 1",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "2000.00",
      "maximumValue": "49999.99",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "Tier 1",
      "unitOfMeasure": "MONTH",
      "minimumValue": "12.00",
      "maximumValue": "12.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P12M",
    "additionalInfo": "Interest paid on maturity into a Beyond Bank Savings Account of your choice."
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0505",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P1M",
    "tiers": [
     {
      "name": "Tier 2",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "50000.00",
      "maximumValue": "199999.99",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "Tier 2",
      "unitOfMeasure": "MONTH",
      "minimumValue": "12.00",
      "maximumValue": "12.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P12M",
    "additionalInfo": "Interest paid on maturity into a Beyond Bank Savings Account of your choice."
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.051",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P1M",
    "tiers": [
     {
      "name": "Tier 3",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "200000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "Tier 3",
      "unitOfMeasure": "MONTH",
      "minimumValue": "12.00",
      "maximumValue": "12.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P12M",
    "additionalInfo": "Interest paid on maturity into a Beyond Bank Savings Account of your choice."
   }
  ]
 }
}