{
 "snapshot_at": "2026-10-02T09:49:29Z",
 "brand": "Bank Australia",
 "brand_slug": "bank-australia",
 "product_id": "4b265f3c-7abc-4587-a86a-91601b228ddf",
 "cdr_url": "https://public.cdr.bankaust.com.au/cds-au/v1/banking/products/4b265f3c-7abc-4587-a86a-91601b228ddf",
 "x_v": 7,
 "how_to_fetch": "curl -H 'x-v: 7' 'https://public.cdr.bankaust.com.au/cds-au/v1/banking/products/4b265f3c-7abc-4587-a86a-91601b228ddf'",
 "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": {
  "additionalInformation": {
   "eligibilityUri": "https://www.bankaust.com.au/banking/term-deposits#tab2",
   "feesAndPricingUri": "https://www.bankaust.com.au/banking/term-deposits#tab1",
   "overviewUri": "https://www.bankaust.com.au/banking/term-deposits",
   "termsUri": "https://www.bankaust.com.au/banking/term-deposits#tab3"
  },
  "applicationUri": "https://join.bankaust.com.au/#/welcome?productcode=209",
  "brand": "Bank Australia",
  "description": "The fixed term deposit making a positive difference to more than just your bank balance.",
  "effectiveFrom": "2001-07-02T14:30:00.000Z",
  "isTailored": false,
  "lastUpdated": "2026-09-21T22:00:22.842Z",
  "name": "Term Deposit 9 months",
  "productCategory": "TERM_DEPOSITS",
  "productId": "4b265f3c-7abc-4587-a86a-91601b228ddf",
  "depositRates": [
   {
    "applicationFrequency": "P9M",
    "depositRateType": "FIXED",
    "rate": "0.053",
    "additionalInfo": "Interest rates expressed as annual percentage rates. The interest rates shown are for an amount of $500 to $3,000,000 for personal customers.  For commercial customers the interest rates shown are for an amount of $500 to $1,000,000.",
    "applicationType": "MATURITY",
    "additionalValue": "P9M",
    "tiers": [
     {
      "maximumValue": "1000000.00",
      "unitOfMeasure": "DOLLAR",
      "rateApplicationMethod": "WHOLE_BALANCE",
      "name": "Term Deposit 9 months - $500-$1m - Balance",
      "minimumValue": "500.00"
     }
    ],
    "calculationFrequency": "P1D"
   },
   {
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "depositRateType": "FIXED",
    "additionalInfo": "Interest rates expressed as annual percentage rates. The interest rates shown are for an amount of $500 to $3,000,000 for personal customers.  For commercial customers the interest rates shown are for an amount of $500 to $1,000,000.",
    "tiers": [
     {
      "minimumValue": "500.00",
      "unitOfMeasure": "DOLLAR",
      "rateApplicationMethod": "WHOLE_BALANCE",
      "name": "Term Deposit 9 months - $500-$3m - Balance",
      "maximumValue": "3000000.00"
     }
    ],
    "additionalValue": "P9M",
    "applicationFrequency": "P9M",
    "rate": "0.053"
   }
  ],
  "features": [
   {
    "featureType": "DIGITAL_BANKING",
    "additionalInfo": "You can self-serve your day-to-day banking needs via Bank Australia's App or Internet Banking.\r\n"
   },
   {
    "featureType": "OTHER",
    "additionalInfo": "Early Withdrawal: If you want to withdraw your TD prior to maturity, you are required to provide 31 days' prior notice. You may incur an interest adjustment and a Term Deposit early withdrawal admin fee."
   }
  ],
  "fees": [
   {
    "feeMethodUType": "fixedAmount",
    "feeType": "EVENT",
    "name": "Term Deposit Early Withdrawal",
    "currency": "AUD",
    "additionalInfo": "$0 fee and interest paid penalty. A fee charged for withdrawal of funds from your term deposit prior to its maturity",
    "fixedAmount": {
     "amount": "0.00"
    }
   },
   {
    "feeType": "TRANSACTION",
    "name": "Same day funds transfers within Australia fee (RTGS)",
    "feeMethodUType": "fixedAmount",
    "fixedAmount": {
     "amount": "20.00"
    },
    "additionalInfo": "This fee is for a Real Time Gross Settlement (RTGS) payment which refers to the process of transferring money from one bank to another in Australia on a real time and gross basis. The cost is per transfer.",
    "currency": "AUD"
   },
   {
    "additionalInfo": "A fee for comprehensive certificates supplied for audit. The cost is $5 per page and $25 per hour.",
    "fixedAmount": {
     "amount": "5.00"
    },
    "feeMethodUType": "fixedAmount",
    "feeType": "EVENT",
    "currency": "AUD",
    "name": "Certificates supplied by the bank"
   },
   {
    "additionalInfo": "When we conduct a search of the ASIC register to obtain information about the ownership of a company in administration of an account. The cost is per search.",
    "name": "Company/business name searches",
    "feeType": "EVENT",
    "feeMethodUType": "fixedAmount",
    "currency": "AUD",
    "fixedAmount": {
     "amount": "40.00"
    }
   },
   {
    "additionalInfo": "$5 per statement (for period more than 3 months before request). A fee that may be charged if you order a copy of a statement that has already been issued on your account. This fee per statement and is charged on or after the day you order the duplicate statement.",
    "feeMethodUType": "fixedAmount",
    "currency": "AUD",
    "feeType": "EVENT",
    "name": "Duplicate statement fee",
    "fixedAmount": {
     "amount": "5.00"
    }
   },
   {
    "currency": "AUD",
    "feeMethodUType": "fixedAmount",
    "additionalValue": "P1Y",
    "fixedAmount": {
     "amount": "10.00"
    },
    "additionalInfo": "Administration fee where account has been transferred to dormancy status. ",
    "name": "Dormancy Fee",
    "feeType": "PERIODIC"
   },
   {
    "currency": "AUD",
    "name": "Security token fee",
    "fixedAmount": {
     "amount": "50.00"
    },
    "feeMethodUType": "fixedAmount",
    "feeType": "EVENT",
    "additionalInfo": "When you request that we provide you with a physical Token to provide an additional layer of security when you engage in transactions that carry a higher risk. We do not charge for the virtual token."
   },
   {
    "fixedAmount": {
     "amount": "0.25"
    },
    "currency": "AUD",
    "feeMethodUType": "fixedAmount",
    "feeType": "EVENT",
    "name": "SMS alert fee",
    "additionalInfo": "This fee is charged when you elect to receive notifications about your account via SMS messages to a mobile telephone number you have given us for contacting you. The cost is per SMS."
   },
   {
    "fixedAmount": {
     "amount": "30.00"
    },
    "name": "Staff assisted international payment in foreign currency",
    "feeType": "TRANSACTION",
    "feeMethodUType": "fixedAmount",
    "additionalInfo": "This fee is charged when you make an International Payment in foreign currency via a Branch or the Contact Centre.  The cost is per transfer.",
    "currency": "AUD"
   },
   {
    "currency": "AUD",
    "additionalInfo": "This fee is charged when you make an International Payment in AUD via a Branch or the Contact Centre. The cost is per transfer.",
    "name": "Staff assisted international payment in AUD",
    "feeType": "PAYMENT",
    "fixedAmount": {
     "amount": "30.00"
    },
    "feeMethodUType": "fixedAmount"
   },
   {
    "feeMethodUType": "fixedAmount",
    "currency": "AUD",
    "name": "Online international payment in foreign currency",
    "feeType": "PAYMENT",
    "additionalInfo": "This fee is charged when you make an International Payment in foreign currency on-line via Internet banking or Bank Australia app. The cost is per transfer.",
    "fixedAmount": {
     "amount": "10.00"
    }
   },
   {
    "fixedAmount": {
     "amount": "0.00"
    },
    "feeMethodUType": "fixedAmount",
    "feeType": "DEPOSIT",
    "name": "Inwards Payment fee",
    "additionalInfo": "International money transfer from overseas (other fees may be charged by participating banks involved in the transaction or settlement). The cost is per transaction.",
    "currency": "AUD"
   }
  ],
  "constraints": [
   {
    "additionalInfo": "Minimum Balance of $500 is required",
    "additionalValue": "500.00",
    "constraintType": "MIN_BALANCE"
   }
  ],
  "eligibility": [
   {
    "additionalInfo": "Sole traders, Pty Ltd, public companies, partnerships or associations",
    "eligibilityType": "BUSINESS"
   },
   {
    "additionalInfo": "Children aged 12 years and younger requires that a parent or guardian is a signatory to the account until the child turns 13 years old. At the age of 13 years old, the parent or guardian may at the child's election, cease to be a signatory.",
    "eligibilityType": "MIN_AGE",
    "additionalValue": "0"
   },
   {
    "additionalInfo": "Natural Person or In trust for a Natural Person or Non-Individual entity",
    "eligibilityType": "NATURAL_PERSON"
   },
   {
    "additionalValue": "AU",
    "additionalInfo": "Be an Australian citizen, permanent resident or have a valid visa; or entity be registered in Australia",
    "eligibilityType": "RESIDENCY_STATUS"
   }
  ]
 }
}