{
 "snapshot_at": "2026-10-02T09:49:48Z",
 "brand": "Beyond Bank Australia",
 "brand_slug": "beyond-bank-australia",
 "product_id": "83",
 "cdr_url": "https://public.cdr.api.beyondbank.com.au/cds-au/v1/banking/products/83",
 "x_v": 7,
 "how_to_fetch": "curl -H 'x-v: 7' 'https://public.cdr.api.beyondbank.com.au/cds-au/v1/banking/products/83'",
 "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": "83",
  "effectiveFrom": "2001-07-16T14:30:00.0000000Z",
  "lastUpdated": "2026-03-03T04:00:32.3437043Z",
  "productCategory": "TERM_DEPOSITS",
  "name": "INV - Negotiated Term",
  "description": "This term deposit gives customers the ability to negotiate the interest rate for a fixed period which is agreed upon during the establishment of the deposit.",
  "brand": "BYD",
  "brandName": "Beyond Bank Australia",
  "applicationUri": "https://www.beyondbank.com.au/about-us/corporate-governance/disclosures/disclosure-documents/",
  "isTailored": false,
  "additionalInformation": {
   "overviewUri": "https://www.beyondbank.com.au/about-us/corporate-governance/disclosures/disclosure-documents/",
   "termsUri": "https://www.beyondbank.com.au/about-us/corporate-governance/disclosures/disclosure-documents/",
   "eligibilityUri": "https://www.beyondbank.com.au/about-us/corporate-governance/disclosures/disclosure-documents/",
   "feesAndPricingUri": "https://www.beyondbank.com.au/about-us/corporate-governance/disclosures/disclosure-documents/"
  },
  "constraints": [
   {
    "constraintType": "MAX_BALANCE",
    "additionalValue": "5000000.00",
    "additionalInfo": "Maximum investment $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": "NATURAL_PERSON"
   },
   {
    "eligibilityType": "OTHER",
    "additionalInfo": "You must be or become a Beyond Bank Australia member."
   }
  ],
  "depositRates": [
   {
    "depositRateType": "FIXED",
    "rate": "0.0",
    "applicationType": "PERIODIC",
    "additionalValue": "P1D",
    "additionalInfo": "A negotiated interest rate and term is agreed upon during the establishment of the deposit."
   }
  ]
 }
}