{
 "snapshot_at": "2026-10-02T09:50:39Z",
 "brand": "Macquarie Bank Limited",
 "brand_slug": "macquarie-bank-limited",
 "product_id": "BB001MBLTDA001",
 "cdr_url": "https://api.macquariebank.io/cds-au/v1/banking/products/BB001MBLTDA001",
 "x_v": 7,
 "how_to_fetch": "curl -H 'x-v: 7' 'https://api.macquariebank.io/cds-au/v1/banking/products/BB001MBLTDA001'",
 "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": "BB001MBLTDA001",
  "lastUpdated": "2026-03-25T00:01:00.001Z",
  "productCategory": "TERM_DEPOSITS",
  "name": "Macquarie Business Banking Term Deposit",
  "description": "Lock in a higher interest rate for business deposits over $5,000 with terms ranging from 30 days to 24 months.",
  "brand": "Macquarie Bank Limited",
  "isTailored": true,
  "additionalInformation": {
   "eligibilityUri": "https://www.macquarie.com.au/help/business/deposit-products/term-deposits/term-deposits.html#tab-panels-0-make-your-first-deposit",
   "feesAndPricingUri": "https://www.macquarie.com.au/digital-banking/term-deposit-account-terms-and-conditions.html",
   "overviewUri": "https://www.macquarie.com.au/business-banking/business-accounts.html#investment-accounts",
   "termsUri": "https://www.macquarie.com.au/digital-banking/term-deposit-account-terms-and-conditions.html"
  },
  "applicationUri": "https://www.macquarie.com.au/business-banking/request-a-call.html",
  "brandName": "Macquarie",
  "constraints": [
   {
    "constraintType": "MIN_BALANCE",
    "additionalInfo": "Minimum opening deposit must be equal to or above $5,000.",
    "additionalValue": "5000.00"
   }
  ],
  "effectiveFrom": "2020-06-30T15:43:00.354Z",
  "eligibility": [
   {
    "eligibilityType": "BUSINESS"
   }
  ],
  "features": [
   {
    "featureType": "OTHER",
    "additionalInfo": "Lock in a higher interest rate for business deposits over $5,000 with terms ranging from 30 days to 24 months."
   },
   {
    "featureType": "DIGITAL_BANKING",
    "additionalInfo": "Streamlined account opening."
   },
   {
    "featureType": "OTHER",
    "additionalInfo": "Pay interest into any account held with us."
   }
  ],
  "fees": [
   {
    "name": "Break fee",
    "feeType": "EXIT",
    "feeMethodUType": "rateBased",
    "additionalInfo": "The break fee equals 25% of interest accrued on your Term Deposit as at the date of closure and will be deducted from the total interest payable to you.",
    "currency": "AUD",
    "rateBased": {
     "rateType": "INTEREST_ACCRUED",
     "rate": "0.25"
    }
   }
  ]
 }
}