{
 "snapshot_at": "2026-10-02T09:49:46Z",
 "brand": "Bendigo Bank",
 "brand_slug": "bendigo-bank",
 "product_id": "b85e1a64-ee7f-475d-b2dd-c0de7b5504b7",
 "cdr_url": "https://api.cdr.bendigobank.com.au/cds-au/v1/banking/products/b85e1a64-ee7f-475d-b2dd-c0de7b5504b7",
 "x_v": 7,
 "how_to_fetch": "curl -H 'x-v: 7' 'https://api.cdr.bendigobank.com.au/cds-au/v1/banking/products/b85e1a64-ee7f-475d-b2dd-c0de7b5504b7'",
 "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": {
  "effectiveFrom": "2025-11-24T01:00:00.000Z",
  "lastUpdated": "2026-07-24T01:18:35.447Z",
  "productCategory": "TERM_DEPOSITS",
  "name": "Bendigo Cash Solutions Term Deposit",
  "description": "A term deposit offered exclusively through accredited Financial Planners and Custodians, with each partner offering individual pricing.",
  "productId": "b85e1a64-ee7f-475d-b2dd-c0de7b5504b7",
  "brandName": "Bendigo Bank",
  "isTailored": true,
  "bundles": [],
  "cardArt": [],
  "features": [
   {
    "featureType": "DIGITAL_BANKING"
   }
  ],
  "constraints": [
   {
    "constraintType": "OPENING_BALANCE",
    "additionalValue": "5000.00"
   }
  ],
  "eligibility": [],
  "fees": [
   {
    "name": "Bank Cheque Fee",
    "feeType": "EVENT",
    "feeMethodUType": "fixedAmount",
    "additionalInfo": "Is payable for each Bank Cheque drawn.",
    "discounts": [],
    "fixedAmount": {
     "amount": "10.000000"
    }
   },
   {
    "name": "EFT Transfer Fee",
    "feeType": "EVENT",
    "feeMethodUType": "fixedAmount",
    "discounts": [],
    "fixedAmount": {
     "amount": "4.000000"
    }
   }
  ],
  "lendingRates": [],
  "depositRates": [
   {
    "depositRateType": "FIXED",
    "rate": "0.0090000000000000",
    "calculationFrequency": "P1D",
    "additionalInfo": "$5k and above",
    "additionalValue": "P1M",
    "applicationType": "MATURITY"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0110000000000000",
    "calculationFrequency": "P1D",
    "additionalInfo": "$5k and above",
    "additionalValue": "P2M",
    "applicationType": "MATURITY"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0280000000000000",
    "calculationFrequency": "P1D",
    "additionalInfo": "$5k and above",
    "additionalValue": "P3M",
    "applicationType": "MATURITY"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0210000000000000",
    "calculationFrequency": "P1D",
    "additionalInfo": "$5k and above",
    "additionalValue": "P4M",
    "applicationType": "MATURITY"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0220000000000000",
    "calculationFrequency": "P1D",
    "additionalInfo": "$5k and above",
    "additionalValue": "P5M",
    "applicationType": "MATURITY"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0325000000000000",
    "calculationFrequency": "P1D",
    "additionalInfo": "$5k and above",
    "additionalValue": "P6M",
    "applicationType": "MATURITY"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0320000000000000",
    "calculationFrequency": "P1D",
    "applicationFrequency": "P1M",
    "additionalInfo": "$5k and above",
    "additionalValue": "P6M",
    "applicationType": "PERIODIC"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0250000000000000",
    "calculationFrequency": "P1D",
    "additionalInfo": "$5k and above",
    "additionalValue": "P7M",
    "applicationType": "MATURITY"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0247000000000000",
    "calculationFrequency": "P1D",
    "applicationFrequency": "P1M",
    "additionalInfo": "$5k and above",
    "additionalValue": "P7M",
    "applicationType": "PERIODIC"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0260000000000000",
    "calculationFrequency": "P1D",
    "additionalInfo": "$5k and above",
    "additionalValue": "P8M",
    "applicationType": "MATURITY"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0257000000000000",
    "calculationFrequency": "P1D",
    "applicationFrequency": "P1M",
    "additionalInfo": "$5k and above",
    "additionalValue": "P8M",
    "applicationType": "PERIODIC"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0290000000000000",
    "calculationFrequency": "P1D",
    "additionalInfo": "$5k and above",
    "additionalValue": "P9M",
    "applicationType": "MATURITY"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0286000000000000",
    "calculationFrequency": "P1D",
    "applicationFrequency": "P1M",
    "additionalInfo": "$5k and above",
    "additionalValue": "P9M",
    "applicationType": "PERIODIC"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0280000000000000",
    "calculationFrequency": "P1D",
    "additionalInfo": "$5k and above",
    "additionalValue": "P10M",
    "applicationType": "MATURITY"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0276000000000000",
    "calculationFrequency": "P1D",
    "applicationFrequency": "P1M",
    "additionalInfo": "$5k and above",
    "additionalValue": "P10M",
    "applicationType": "PERIODIC"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0290000000000000",
    "calculationFrequency": "P1D",
    "additionalInfo": "$5k and above",
    "additionalValue": "P11M",
    "applicationType": "MATURITY"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0286000000000000",
    "calculationFrequency": "P1D",
    "applicationFrequency": "P1M",
    "additionalInfo": "$5k and above",
    "additionalValue": "P11M",
    "applicationType": "PERIODIC"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0350000000000000",
    "calculationFrequency": "P1D",
    "additionalInfo": "$5k and above",
    "additionalValue": "P1Y",
    "applicationType": "MATURITY"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0345000000000000",
    "calculationFrequency": "P1D",
    "applicationFrequency": "P1M",
    "additionalInfo": "$5k and above",
    "additionalValue": "P1Y",
    "applicationType": "PERIODIC"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0345000000000000",
    "calculationFrequency": "P1D",
    "applicationFrequency": "P3M",
    "additionalInfo": "$5k and above",
    "additionalValue": "P1Y",
    "applicationType": "PERIODIC"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0347000000000000",
    "calculationFrequency": "P1D",
    "applicationFrequency": "P6M",
    "additionalInfo": "$5k and above",
    "additionalValue": "P1Y",
    "applicationType": "PERIODIC"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0378000000000000",
    "calculationFrequency": "P1D",
    "applicationFrequency": "P1M",
    "additionalInfo": "$5k and above",
    "additionalValue": "P2Y",
    "applicationType": "PERIODIC"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0380000000000000",
    "calculationFrequency": "P1D",
    "applicationFrequency": "P3M",
    "additionalInfo": "$5k and above",
    "additionalValue": "P2Y",
    "applicationType": "PERIODIC"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0381000000000000",
    "calculationFrequency": "P1D",
    "applicationFrequency": "P6M",
    "additionalInfo": "$5k and above",
    "additionalValue": "P2Y",
    "applicationType": "PERIODIC"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0385000000000000",
    "calculationFrequency": "P1D",
    "applicationFrequency": "P1Y",
    "additionalInfo": "$5k and above",
    "additionalValue": "P2Y",
    "applicationType": "PERIODIC"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0378000000000000",
    "calculationFrequency": "P1D",
    "applicationFrequency": "P1M",
    "additionalInfo": "$5k and above",
    "additionalValue": "P3Y",
    "applicationType": "PERIODIC"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0380000000000000",
    "calculationFrequency": "P1D",
    "applicationFrequency": "P3M",
    "additionalInfo": "$5k and above",
    "additionalValue": "P3Y",
    "applicationType": "PERIODIC"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0381000000000000",
    "calculationFrequency": "P1D",
    "applicationFrequency": "P6M",
    "additionalInfo": "$5k and above",
    "additionalValue": "P3Y",
    "applicationType": "PERIODIC"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0385000000000000",
    "calculationFrequency": "P1D",
    "applicationFrequency": "P1Y",
    "additionalInfo": "$5k and above",
    "additionalValue": "P3Y",
    "applicationType": "PERIODIC"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0378000000000000",
    "calculationFrequency": "P1D",
    "applicationFrequency": "P1M",
    "additionalInfo": "$5k and above",
    "additionalValue": "P4Y",
    "applicationType": "PERIODIC"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0380000000000000",
    "calculationFrequency": "P1D",
    "applicationFrequency": "P3M",
    "additionalInfo": "$5k and above",
    "additionalValue": "P4Y",
    "applicationType": "PERIODIC"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0381000000000000",
    "calculationFrequency": "P1D",
    "applicationFrequency": "P6M",
    "additionalInfo": "$5k and above",
    "additionalValue": "P4Y",
    "applicationType": "PERIODIC"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0385000000000000",
    "calculationFrequency": "P1D",
    "applicationFrequency": "P1Y",
    "additionalInfo": "$5k and above",
    "additionalValue": "P4Y",
    "applicationType": "PERIODIC"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0378000000000000",
    "calculationFrequency": "P1D",
    "applicationFrequency": "P1M",
    "additionalInfo": "$5k and above",
    "additionalValue": "P5Y",
    "applicationType": "PERIODIC"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0380000000000000",
    "calculationFrequency": "P1D",
    "applicationFrequency": "P3M",
    "additionalInfo": "$5k and above",
    "additionalValue": "P5Y",
    "applicationType": "PERIODIC"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0381000000000000",
    "calculationFrequency": "P1D",
    "applicationFrequency": "P6M",
    "additionalInfo": "$5k and above",
    "additionalValue": "P5Y",
    "applicationType": "PERIODIC"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0385000000000000",
    "calculationFrequency": "P1D",
    "applicationFrequency": "P1Y",
    "additionalInfo": "$5k and above",
    "additionalValue": "P5Y",
    "applicationType": "PERIODIC"
   }
  ],
  "brand": "BENDIGO"
 }
}