{
 "snapshot_at": "2026-10-02T09:50:39Z",
 "brand": "Macquarie Bank Limited",
 "brand_slug": "macquarie-bank-limited",
 "product_id": "TD001MBLTDA002",
 "cdr_url": "https://api.macquariebank.io/cds-au/v1/banking/products/TD001MBLTDA002",
 "x_v": 7,
 "how_to_fetch": "curl -H 'x-v: 7' 'https://api.macquariebank.io/cds-au/v1/banking/products/TD001MBLTDA002'",
 "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": "TD001MBLTDA002",
  "lastUpdated": "2026-09-15T00:01:00.001Z",
  "productCategory": "TERM_DEPOSITS",
  "name": "Macquarie Digital Term Deposit",
  "description": "Lock in a fixed interest rate for a set term.",
  "brand": "Macquarie Bank Limited",
  "isTailored": false,
  "additionalInformation": {
   "eligibilityUri": "https://www.macquarie.com.au/help/personal/term-deposits/opening-an-account/what-you-need-to-open-a-term-deposit.html",
   "feesAndPricingUri": "https://www.macquarie.com.au/everyday-banking/term-deposits.html",
   "overviewUri": "https://www.macquarie.com.au/everyday-banking/term-deposits.html",
   "termsUri": "https://www.macquarie.com.au/digital-banking/digital-term-deposit-account-terms-and-conditions.html"
  },
  "applicationUri": "https://www.macquarie.com.au/everyday-banking/term-deposits.html",
  "brandName": "Macquarie",
  "constraints": [
   {
    "constraintType": "MIN_BALANCE",
    "additionalInfo": "Minimum opening deposit must be equal to or above $25,000.",
    "additionalValue": "25000.00"
   }
  ],
  "depositRates": [
   {
    "depositRateType": "FIXED",
    "rate": "0.0505",
    "applicationType": "MATURITY",
    "additionalValue": "P3M",
    "applicabilityConditions": [
     {
      "rateApplicabilityType": "OTHER",
      "additionalInfo": "For balances of 1 million dollars and under"
     }
    ],
    "applicationFrequency": "P3M",
    "calculationFrequency": "P1D",
    "tiers": [
     {
      "name": "3 month term interest paid at maturity",
      "unitOfMeasure": "MONTH",
      "minimumValue": "3",
      "applicabilityConditions": [
       {
        "rateApplicabilityType": "OTHER",
        "additionalInfo": "For balances of 1 million dollars and under"
       }
      ],
      "maximumValue": "3",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ]
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0520",
    "applicationType": "MATURITY",
    "additionalValue": "P6M",
    "applicabilityConditions": [
     {
      "rateApplicabilityType": "OTHER",
      "additionalInfo": "For balances of 1 million dollars and under"
     }
    ],
    "applicationFrequency": "P6M",
    "calculationFrequency": "P1D",
    "tiers": [
     {
      "name": "6 month term interest paid at maturity",
      "unitOfMeasure": "MONTH",
      "minimumValue": "6",
      "applicabilityConditions": [
       {
        "rateApplicabilityType": "OTHER",
        "additionalInfo": "For balances of 1 million dollars and under"
       }
      ],
      "maximumValue": "6",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ]
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0525",
    "applicationType": "MATURITY",
    "additionalValue": "P9M",
    "applicabilityConditions": [
     {
      "rateApplicabilityType": "OTHER",
      "additionalInfo": "For balances of 1 million dollars and under"
     }
    ],
    "applicationFrequency": "P9M",
    "calculationFrequency": "P1D",
    "tiers": [
     {
      "name": "9 month term interest paid at maturity",
      "unitOfMeasure": "MONTH",
      "minimumValue": "9",
      "applicabilityConditions": [
       {
        "rateApplicabilityType": "OTHER",
        "additionalInfo": "For balances of 1 million dollars and under"
       }
      ],
      "maximumValue": "9",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ]
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0535",
    "applicationType": "MATURITY",
    "additionalValue": "P12M",
    "applicabilityConditions": [
     {
      "rateApplicabilityType": "OTHER",
      "additionalInfo": "For balances of 1 million dollars and under"
     }
    ],
    "applicationFrequency": "P12M",
    "calculationFrequency": "P1D",
    "tiers": [
     {
      "name": "12 month term interest paid at maturity",
      "unitOfMeasure": "MONTH",
      "minimumValue": "12",
      "applicabilityConditions": [
       {
        "rateApplicabilityType": "OTHER",
        "additionalInfo": "For balances of 1 million dollars and under"
       }
      ],
      "maximumValue": "12",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ]
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0480",
    "applicationType": "MATURITY",
    "additionalValue": "P3M",
    "applicabilityConditions": [
     {
      "rateApplicabilityType": "OTHER",
      "additionalInfo": "For balances of over 1 million dollars"
     }
    ],
    "applicationFrequency": "P3M",
    "calculationFrequency": "P1D",
    "tiers": [
     {
      "name": "3 month term interest paid at maturity",
      "unitOfMeasure": "MONTH",
      "minimumValue": "3",
      "applicabilityConditions": [
       {
        "rateApplicabilityType": "OTHER",
        "additionalInfo": "For balances of over 1 million dollars"
       }
      ],
      "maximumValue": "3",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ]
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0505",
    "applicationType": "MATURITY",
    "additionalValue": "P6M",
    "applicabilityConditions": [
     {
      "rateApplicabilityType": "OTHER",
      "additionalInfo": "For balances of over 1 million dollars"
     }
    ],
    "applicationFrequency": "P6M",
    "calculationFrequency": "P1D",
    "tiers": [
     {
      "name": "6 month term interest paid at maturity",
      "unitOfMeasure": "MONTH",
      "minimumValue": "6",
      "applicabilityConditions": [
       {
        "rateApplicabilityType": "OTHER",
        "additionalInfo": "For balances of over 1 million dollars"
       }
      ],
      "maximumValue": "6",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ]
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0515",
    "applicationType": "MATURITY",
    "additionalValue": "P9M",
    "applicabilityConditions": [
     {
      "rateApplicabilityType": "OTHER",
      "additionalInfo": "For balances of over 1 million dollars"
     }
    ],
    "applicationFrequency": "P9M",
    "calculationFrequency": "P1D",
    "tiers": [
     {
      "name": "9 month term interest paid at maturity",
      "unitOfMeasure": "MONTH",
      "minimumValue": "9",
      "applicabilityConditions": [
       {
        "rateApplicabilityType": "OTHER",
        "additionalInfo": "For balances of over 1 million dollars"
       }
      ],
      "maximumValue": "9",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ]
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0525",
    "applicationType": "MATURITY",
    "additionalValue": "P12M",
    "applicabilityConditions": [
     {
      "rateApplicabilityType": "OTHER",
      "additionalInfo": "For balances of over 1 million dollars"
     }
    ],
    "applicationFrequency": "P12M",
    "calculationFrequency": "P1D",
    "tiers": [
     {
      "name": "12 month term interest paid at maturity",
      "unitOfMeasure": "MONTH",
      "minimumValue": "12",
      "applicabilityConditions": [
       {
        "rateApplicabilityType": "OTHER",
        "additionalInfo": "For balances of over 1 million dollars"
       }
      ],
      "maximumValue": "12",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ]
   }
  ],
  "effectiveFrom": "2026-07-08T00:00:00.001Z",
  "eligibility": [
   {
    "eligibilityType": "RESIDENCY_STATUS",
    "additionalValue": "Application must be submitted in Australia. You must be a permanent resident of Australia."
   },
   {
    "eligibilityType": "MIN_AGE",
    "additionalInfo": "Minimum age requirement.",
    "additionalValue": "18"
   },
   {
    "eligibilityType": "OTHER",
    "additionalInfo": "Must have an Australian mobile number."
   },
   {
    "eligibilityType": "OTHER",
    "additionalInfo": "Must have an email address."
   },
   {
    "eligibilityType": "OTHER",
    "additionalInfo": "Only available for individual or joint accounts."
   },
   {
    "eligibilityType": "OTHER",
    "additionalInfo": "Must have a Macquarie Transaction or Savings Account."
   }
  ],
  "features": [
   {
    "featureType": "DIGITAL_BANKING",
    "additionalInfo": "A connected, digital experience."
   },
   {
    "featureType": "OTHER",
    "additionalInfo": "Lock in a fixed interest rate for a set term."
   },
   {
    "featureType": "OTHER",
    "additionalInfo": "View your term deposit details in app at anytime."
   }
  ]
 }
}