{
 "snapshot_at": "2026-10-02T09:49:52Z",
 "brand": "BOQ Specialist",
 "brand_slug": "boq-specialist",
 "product_id": "78906e88-5c03-ee11-8f6e-00224814d330",
 "cdr_url": "https://api.cds.boqspecialist.com.au/cds-au/v1/banking/products/78906e88-5c03-ee11-8f6e-00224814d330",
 "x_v": 7,
 "how_to_fetch": "curl -H 'x-v: 7' 'https://api.cds.boqspecialist.com.au/cds-au/v1/banking/products/78906e88-5c03-ee11-8f6e-00224814d330'",
 "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": "78906e88-5c03-ee11-8f6e-00224814d330",
  "lastUpdated": "2026-09-21T00:19:38Z",
  "productCategory": "TERM_DEPOSITS",
  "name": "Term Deposit",
  "description": "Looking for a dependable yield from your income or hard earned savings? Then a BOQ Specialist fixed term deposit could be an option to consider",
  "brand": "BOQS",
  "brandName": "BOQ Specialist",
  "applicationUri": "https://www.boqspecialist.com.au/forms/term-deposits",
  "isTailored": false,
  "additionalInformation": {
   "overviewUri": "https://www.boqspecialist.com.au/personal-banking/savings-accounts/term-deposits",
   "termsUri": "https://www.boqspecialist.com.au/personal-banking/savings-accounts/term-deposits",
   "eligibilityUri": "https://www.boqspecialist.com.au/about",
   "feesAndPricingUri": "https://www.boqspecialist.com.au/content/dam/boq-specialist/files/products/bank-accounts/one-account/terms-and-conditions/BOQS001377-Transaction-and-savings-accounts-overdraft-facility-terms-and-conditions.pdf"
  },
  "features": [
   {
    "featureType": "OTHER",
    "additionalInfo": "24/7 service with our Client Service Centre",
    "additionalInfoUri": "https://www.boqspecialist.com.au/personal-banking/savings-accounts/term-deposits"
   },
   {
    "featureType": "OTHER",
    "additionalInfo": "Flexible terms ranging from 30 days to 5 years",
    "additionalInfoUri": "https://www.boqspecialist.com.au/personal-banking/savings-accounts/term-deposits"
   },
   {
    "featureType": "OTHER",
    "additionalInfo": "Flexibility to re-invest, add extra money or withdraw at the end of the term",
    "additionalInfoUri": "https://www.boqspecialist.com.au/personal-banking/savings-accounts/term-deposits"
   },
   {
    "featureType": "OTHER",
    "additionalInfo": "Consistently competitive ongoing term deposit interest rates on new funds and rollovers",
    "additionalInfoUri": "https://www.boqspecialist.com.au/personal-banking/savings-accounts/term-deposits"
   },
   {
    "featureType": "OTHER",
    "additionalInfo": "No establishment or account keeping fees",
    "additionalInfoUri": "https://www.boqspecialist.com.au/personal-banking/savings-accounts/term-deposits"
   },
   {
    "featureType": "DIGITAL_BANKING",
    "additionalInfo": "Manage your own term deposit prior to maturity via online banking",
    "additionalInfoUri": "https://olb.boqspecialist.com.au/web/banking#sst"
   }
  ],
  "constraints": [
   {
    "constraintType": "OPENING_BALANCE",
    "additionalValue": "1000.0000000000",
    "additionalInfo": "While we have the discretion to determine deposit size, we usually accept a minimum deposit of AUD 1,000.00",
    "additionalInfoUri": "https://www.boqspecialist.com.au/help-and-support/important-information/terms-and-conditions"
   }
  ],
  "eligibility": [
   {
    "eligibilityType": "RESIDENCY_STATUS",
    "additionalValue": "Resident or Citizen"
   },
   {
    "eligibilityType": "MIN_AGE",
    "additionalValue": "18"
   },
   {
    "eligibilityType": "OTHER",
    "additionalInfo": "Exclusively available to medical professionals and accountants",
    "additionalInfoUri": "https://www.boqspecialist.com.au/about"
   }
  ],
  "fees": [
   {
    "name": "Transaction Fee Real Time Gross Settlement (RTGS) - which is a same day payment request",
    "feeType": "TRANSACTION",
    "feeMethodUType": "fixedAmount",
    "fixedAmount": {
     "amount": "30.0000"
    },
    "currency": "AUD",
    "additionalInfo": "Payable for each Real Time Gross Settlement (RTGS) transaction",
    "additionalInfoUri": "https://www.boqspecialist.com.au/content/dam/boq-specialist/files/products/bank-accounts/one-account/terms-and-conditions/BOQS001377-Transaction-and-savings-accounts-overdraft-facility-terms-and-conditions.pdf"
   },
   {
    "name": "Duplicate and Interim Statement Fee",
    "feeType": "ENQUIRY",
    "feeMethodUType": "fixedAmount",
    "fixedAmount": {
     "amount": "5.0000"
    },
    "currency": "AUD",
    "additionalInfo": "Charged for each Duplicate and Interim statement issued",
    "additionalInfoUri": "https://www.boqspecialist.com.au/content/dam/boq-specialist/files/products/bank-accounts/one-account/terms-and-conditions/BOQS001377-Transaction-and-savings-accounts-overdraft-facility-terms-and-conditions.pdf"
   },
   {
    "name": "Trace Fee",
    "feeType": "EVENT",
    "feeMethodUType": "fixedAmount",
    "fixedAmount": {
     "amount": "20.0000"
    },
    "currency": "AUD",
    "additionalInfo": "Charged for each request to perform a trace on any transaction type",
    "additionalInfoUri": "https://www.boqspecialist.com.au/content/dam/boq-specialist/files/products/bank-accounts/one-account/terms-and-conditions/BOQS001377-Transaction-and-savings-accounts-overdraft-facility-terms-and-conditions.pdf"
   },
   {
    "name": "Replacement of Online Banking security credential",
    "feeType": "REPLACEMENT",
    "feeMethodUType": "fixedAmount",
    "fixedAmount": {
     "amount": "50.0000"
    },
    "currency": "AUD",
    "additionalInfo": "Charged for each replacement Online Banking security credential issued",
    "additionalInfoUri": "https://www.boqspecialist.com.au/content/dam/boq-specialist/files/products/bank-accounts/one-account/terms-and-conditions/BOQS001377-Transaction-and-savings-accounts-overdraft-facility-terms-and-conditions.pdf"
   },
   {
    "name": "Dishonour Fee",
    "feeType": "DISHONOUR",
    "feeMethodUType": "fixedAmount",
    "fixedAmount": {
     "amount": "45.0000"
    },
    "currency": "AUD",
    "additionalInfo": "Charged if there is insufficient cleared funds available to cover the value of a direct debit being processed",
    "additionalInfoUri": "https://www.boqspecialist.com.au/content/dam/boq-specialist/files/products/bank-accounts/one-account/terms-and-conditions/BOQS001377-Transaction-and-savings-accounts-overdraft-facility-terms-and-conditions.pdf"
   },
   {
    "name": "Direct Debit Fee",
    "feeType": "PAYMENT",
    "feeMethodUType": "fixedAmount",
    "fixedAmount": {
     "amount": "0.0000"
    },
    "currency": "AUD"
   },
   {
    "name": "Transaction Fee (overnight)",
    "feeType": "TRANSACTION",
    "feeMethodUType": "fixedAmount",
    "fixedAmount": {
     "amount": "0.0000"
    },
    "currency": "AUD"
   },
   {
    "name": "Online Banking Security credential",
    "feeType": "REPLACEMENT",
    "feeMethodUType": "fixedAmount",
    "fixedAmount": {
     "amount": "0.0000"
    },
    "currency": "AUD"
   },
   {
    "name": "Transaction Fee (international)",
    "feeType": "TRANSACTION",
    "feeMethodUType": "fixedAmount",
    "fixedAmount": {
     "amount": "30.0000"
    },
    "currency": "AUD",
    "additionalInfo": "Payable when you transfer money to a Beneficiary with a bank account held at an overseas financial institution or Foreign Currency transfer to an australian financial institution.",
    "additionalInfoUri": "https://www.boqspecialist.com.au/content/dam/boq-specialist/files/products/bank-accounts/one-account/terms-and-conditions/BOQS001377-Transaction-and-savings-accounts-overdraft-facility-terms-and-conditions.pdf"
   },
   {
    "name": "Bank Audit Certificate",
    "feeType": "EVENT",
    "feeMethodUType": "fixedAmount",
    "fixedAmount": {
     "amount": "30.0000"
    },
    "currency": "AUD",
    "additionalInfo": "Charged for each Bank Audit Certificate issued as part of an audit request",
    "additionalInfoUri": "https://www.boqspecialist.com.au/content/dam/boq-specialist/files/products/bank-accounts/one-account/terms-and-conditions/BOQS001377-Transaction-and-savings-accounts-overdraft-facility-terms-and-conditions.pdf"
   }
  ],
  "depositRates": [
   {
    "rate": "0.0505000000000000",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "additionalValue": "P120D",
    "additionalInfo": "Interest paid annually",
    "additionalInfoUri": "https://www.boqspecialist.com.au/personal-banking/savings-accounts/term-deposits",
    "tiers": [
     {
      "name": "Term",
      "unitOfMeasure": "DAY",
      "minimumValue": "120",
      "maximumValue": "120",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "Amount",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "1000.00",
      "maximumValue": "100000000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "depositRateType": "FIXED"
   },
   {
    "rate": "0.0530000000000000",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "additionalValue": "P1Y",
    "additionalInfo": "Interest paid at maturity",
    "additionalInfoUri": "https://www.boqspecialist.com.au/personal-banking/savings-accounts/term-deposits",
    "tiers": [
     {
      "name": "Term",
      "unitOfMeasure": "MONTH",
      "minimumValue": "12",
      "maximumValue": "12",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "Amount",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "1000.00",
      "maximumValue": "100000000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "depositRateType": "FIXED"
   },
   {
    "rate": "0.0515000000000000",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "additionalValue": "P180D",
    "additionalInfo": "Interest paid at maturity",
    "additionalInfoUri": "https://www.boqspecialist.com.au/personal-banking/savings-accounts/term-deposits",
    "tiers": [
     {
      "name": "Term",
      "unitOfMeasure": "DAY",
      "minimumValue": "180",
      "maximumValue": "180",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "Amount",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "1000.00",
      "maximumValue": "100000000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "depositRateType": "FIXED"
   },
   {
    "rate": "0.0500000000000000",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "additionalValue": "P90D",
    "additionalInfo": "Interest paid at maturity",
    "additionalInfoUri": "https://www.boqspecialist.com.au/personal-banking/savings-accounts/term-deposits",
    "tiers": [
     {
      "name": "Term",
      "unitOfMeasure": "DAY",
      "minimumValue": "90",
      "maximumValue": "90",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "Amount",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "1000.00",
      "maximumValue": "100000000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "depositRateType": "FIXED"
   },
   {
    "rate": "0.0410000000000000",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "additionalValue": "P30D",
    "additionalInfo": "Interest paid at maturity",
    "additionalInfoUri": "https://www.boqspecialist.com.au/personal-banking/savings-accounts/term-deposits",
    "tiers": [
     {
      "name": "Term",
      "unitOfMeasure": "DAY",
      "minimumValue": "30",
      "maximumValue": "30",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "Amount",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "1000.00",
      "maximumValue": "100000000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "depositRateType": "FIXED"
   },
   {
    "rate": "0.0350000000000000",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P1Y",
    "additionalValue": "P3Y",
    "additionalInfo": "Interest paid annually",
    "additionalInfoUri": "https://www.boqspecialist.com.au/personal-banking/savings-accounts/term-deposits",
    "tiers": [
     {
      "name": "Term",
      "unitOfMeasure": "MONTH",
      "minimumValue": "36",
      "maximumValue": "36",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "Amount",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "1000.00",
      "maximumValue": "100000000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "depositRateType": "FIXED"
   },
   {
    "rate": "0.0350000000000000",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P1Y",
    "additionalValue": "P5Y",
    "additionalInfo": "Interest paid annually",
    "additionalInfoUri": "https://www.boqspecialist.com.au/personal-banking/savings-accounts/term-deposits",
    "tiers": [
     {
      "name": "Term",
      "unitOfMeasure": "MONTH",
      "minimumValue": "60",
      "maximumValue": "60",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "Amount",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "1000.00",
      "maximumValue": "100000000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "depositRateType": "FIXED"
   },
   {
    "rate": "0.0515000000000000",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "additionalValue": "P270D",
    "additionalInfo": "Interest paid annually",
    "additionalInfoUri": "https://www.boqspecialist.com.au/personal-banking/savings-accounts/term-deposits",
    "tiers": [
     {
      "name": "Term",
      "unitOfMeasure": "DAY",
      "minimumValue": "270",
      "maximumValue": "270",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "Amount",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "1000.00",
      "maximumValue": "100000000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "depositRateType": "FIXED"
   },
   {
    "rate": "0.0350000000000000",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P1Y",
    "additionalValue": "P2Y",
    "additionalInfo": "Interest paid at maturity",
    "additionalInfoUri": "https://www.boqspecialist.com.au/personal-banking/savings-accounts/term-deposits",
    "tiers": [
     {
      "name": "Term",
      "unitOfMeasure": "MONTH",
      "minimumValue": "24",
      "maximumValue": "24",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "Amount",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "1000.00",
      "maximumValue": "100000000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "depositRateType": "FIXED"
   },
   {
    "rate": "0.0350000000000000",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P1Y",
    "additionalValue": "P4Y",
    "additionalInfo": "Interest paid at maturity",
    "additionalInfoUri": "https://www.boqspecialist.com.au/personal-banking/savings-accounts/term-deposits",
    "tiers": [
     {
      "name": "Term",
      "unitOfMeasure": "MONTH",
      "minimumValue": "48",
      "maximumValue": "48",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "Amount",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "1000.00",
      "maximumValue": "100000000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "depositRateType": "FIXED"
   },
   {
    "rate": "0.0420000000000000",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "additionalValue": "P60D",
    "additionalInfo": "Interest paid annually",
    "additionalInfoUri": "https://www.boqspecialist.com.au/personal-banking/savings-accounts/term-deposits",
    "tiers": [
     {
      "name": "Term",
      "unitOfMeasure": "DAY",
      "minimumValue": "60",
      "maximumValue": "60",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "Amount",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "1000.00",
      "maximumValue": "100000000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "depositRateType": "FIXED"
   }
  ]
 }
}