{
 "snapshot_at": "2026-10-02T09:49:41Z",
 "brand": "BankVic",
 "brand_slug": "bankvic",
 "product_id": "I20_Term_Deposit_12_months",
 "cdr_url": "https://ib.bankvic.com.au/openbanking/cds-au/v1/banking/products/I20_Term_Deposit_12_months",
 "x_v": 6,
 "how_to_fetch": "curl -H 'x-v: 6' 'https://ib.bankvic.com.au/openbanking/cds-au/v1/banking/products/I20_Term_Deposit_12_months'",
 "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": {
  "features": [
   {
    "featureType": "DIGITAL_BANKING"
   }
  ],
  "constraints": [
   {
    "constraintType": "MIN_BALANCE",
    "additionalValue": "5000.00"
   }
  ],
  "eligibility": [
   {
    "eligibilityType": "OTHER",
    "additionalInfo": "BankVic Member"
   },
   {
    "eligibilityType": "RESIDENCY_STATUS",
    "additionalValue": "Australian Citizen"
   }
  ],
  "fees": [
   {
    "name": "TERM_DEPOSIT_-_EARLY_REDEMPTION_CHARGES",
    "feeType": "WITHDRAWAL",
    "feeMethodUType": "fixedAmount",
    "fixedAmount": {
     "amount": "0.00"
    },
    "currency": "AUD",
    "additionalInfo": "We do not charge a fee for early withdrawal, however, we will reduce the interest rate to the rate payable on the Everyday account."
   }
  ],
  "depositRates": [
   {
    "depositRateType": "FIXED",
    "rate": "0.05",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "tiers": [
     {
      "name": "Term Deposit 12 Months_Tier",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "5000.00",
      "maximumValue": "9999999.99",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "Term Deposit 12 Months_Tier",
      "unitOfMeasure": "MONTH",
      "minimumValue": "12",
      "maximumValue": "12",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P12M",
    "additionalInfo": "Interest paid at maturity"
   }
  ],
  "productId": "I20_Term_Deposit_12_months",
  "lastUpdated": "2026-08-12T16:59:19.000+10:00",
  "productCategory": "TERM_DEPOSITS",
  "name": "Term Deposit 12 Months",
  "description": "Invest with peace of mind knowing your rate is locked in for the term",
  "brand": "BankVic",
  "brandName": "BankVic",
  "applicationUri": "https://www.bankvic.com.au/apply-for-deposit-account",
  "isTailored": false,
  "additionalInformation": {
   "overviewUri": "https://www.bankvic.com.au/savings/?filter=Term-Deposits",
   "termsUri": "https://cdn.intelligencebank.com/au/share/NZw2/RVzr/yzJw/original/BankVic+Terms+%2526+Conditions",
   "eligibilityUri": "https://www.bankvic.com.au/savings/?filter=Term-Deposits",
   "feesAndPricingUri": "https://cdn.intelligencebank.com/au/share/NZw2/RVzr/dwqA/original/Fees+and+Charges"
  }
 }
}