{
 "snapshot_at": "2026-10-02T09:50:36Z",
 "brand": "ING BANK (Australia) Ltd",
 "brand_slug": "ing-bank-australia-ltd",
 "product_id": "ef0c2da9-0f12-40e9-ad5d-4fce22f5fd9a",
 "cdr_url": "https://id.ob.ing.com.au/cds-au/v1/banking/products/ef0c2da9-0f12-40e9-ad5d-4fce22f5fd9a",
 "x_v": 7,
 "how_to_fetch": "curl -H 'x-v: 7' 'https://id.ob.ing.com.au/cds-au/v1/banking/products/ef0c2da9-0f12-40e9-ad5d-4fce22f5fd9a'",
 "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": "ef0c2da9-0f12-40e9-ad5d-4fce22f5fd9a",
  "effectiveFrom": "2010-02-28T22:00:00.000Z",
  "effectiveTo": "9999-12-31T01:00:00.000Z",
  "lastUpdated": "2026-04-20T08:40:47.080Z",
  "productCategory": "TERM_DEPOSITS",
  "name": "Wholesale Term Deposit",
  "description": "Competitive interest rates for a fixed period for Government, Public Company, Charity, Association or Religious Organisations.",
  "brand": "ING",
  "isTailored": true,
  "additionalInformation": {
   "overviewUri": "https://www.ing.com.au/business/wholesale-term-deposit.html"
  },
  "features": [
   {
    "featureType": "OTHER",
    "additionalInfo": "Interest rates are negotiable, based on your business type and volume."
   },
   {
    "featureType": "OTHER",
    "additionalInfo": "Your Wholesale Term Deposit will be customised to suit your structure and maturity needs. You can select a timeframe as short as 1 month, or as long as 5 years."
   }
  ],
  "constraints": [
   {
    "constraintType": "MIN_BALANCE",
    "additionalValue": "500000.00",
    "additionalInfo": "Minimum balance of $500,000."
   }
  ],
  "eligibility": [
   {
    "eligibilityType": "MIN_AGE",
    "additionalValue": "18",
    "additionalInfo": "You must be aged 18 or over."
   },
   {
    "eligibilityType": "OTHER",
    "additionalInfo": "You must be an Australian entity."
   },
   {
    "eligibilityType": "OTHER",
    "additionalInfo": "You must be an account holder using the product for business purposes or with a Self-Managed Super Fund (SMSF)."
   }
  ],
  "fees": [
   {
    "name": "Annual fee",
    "feeType": "PERIODIC",
    "feeMethodUType": "fixedAmount",
    "fixedAmount": {
     "amount": "0.00"
    },
    "currency": "AUD",
    "additionalValue": "P1Y",
    "additionalInfo": "There are $0 monthly fees."
   }
  ]
 }
}