{
 "snapshot_at": "2026-10-02T09:50:19Z",
 "brand": "Gateway Bank",
 "brand_slug": "gateway-bank",
 "product_id": "10",
 "cdr_url": "https://public.cdr-api.gatewaybank.com.au/cds-au/v1/banking/products/10",
 "x_v": 7,
 "how_to_fetch": "curl -H 'x-v: 7' 'https://public.cdr-api.gatewaybank.com.au/cds-au/v1/banking/products/10'",
 "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": "10",
  "effectiveFrom": "2006-06-30T14:30:00.0000000Z",
  "lastUpdated": "2026-09-09T02:00:32.1081640Z",
  "productCategory": "TERM_DEPOSITS",
  "name": "Term Deposit 6 Months",
  "description": "Term Deposit 6 Months",
  "brand": "Gateway Bank",
  "applicationUri": "https://www.gatewaybank.com.au/banking/term-deposits/",
  "isTailored": false,
  "additionalInformation": {
   "overviewUri": "https://www.gatewaybank.com.au/rates-fees/term-deposit-interest-rates/",
   "termsUri": "https://www.gatewaybank.com.au/important-information",
   "feesAndPricingUri": "https://www.gatewaybank.com.au/media/4lwjloxy/fees-and-charges-and-transaction-limits.pdf"
  },
  "features": [
   {
    "featureType": "DIGITAL_BANKING",
    "additionalInfo": "Access is available to online banking features for the product"
   }
  ],
  "constraints": [
   {
    "constraintType": "MAX_BALANCE",
    "additionalValue": "1000000.00"
   },
   {
    "constraintType": "MIN_BALANCE",
    "additionalValue": "1000.00"
   }
  ],
  "eligibility": [
   {
    "eligibilityType": "PENSION_RECIPIENT"
   }
  ],
  "fees": [
   {
    "name": "QuickDebit Dishonour Fee",
    "feeType": "EVENT",
    "feeMethodUType": "fixedAmount",
    "fixedAmount": {
     "amount": "15.00"
    },
    "currency": "AUD"
   },
   {
    "name": "Early TD Redemption Admin Fee",
    "feeType": "EVENT",
    "feeMethodUType": "fixedAmount",
    "fixedAmount": {
     "amount": "25.00"
    },
    "currency": "AUD"
   },
   {
    "name": "Term Deposit Early Withdrawal",
    "feeType": "WITHDRAWAL",
    "feeMethodUType": "fixedAmount",
    "fixedAmount": {
     "amount": "0.00"
    },
    "currency": "AUD",
    "additionalInfo": "If the deposit or any part of it is withdrawn before maturity, an interest rate adjustment fee will apply"
   }
  ],
  "depositRates": [
   {
    "depositRateType": "INTRODUCTORY",
    "rate": "0.0535",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "tiers": [
     {
      "name": "Tier 1",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "1000.00",
      "maximumValue": "1000000.00",
      "rateApplicationMethod": "PER_TIER"
     }
    ],
    "additionalValue": "P6M"
   }
  ]
 }
}