{
 "snapshot_at": "2026-10-02T09:50:04Z",
 "brand": "CommBank",
 "brand_slug": "commbank",
 "product_id": "78ff8e5eacd64d1ab6ab368b1f0106bc",
 "cdr_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/78ff8e5eacd64d1ab6ab368b1f0106bc",
 "x_v": 7,
 "how_to_fetch": "curl -H 'x-v: 7' 'https://api.commbank.com.au/public/cds-au/v1/banking/products/78ff8e5eacd64d1ab6ab368b1f0106bc'",
 "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",
    "additionalInfo": "Wherever you are in the world, CommBank gives you the choice and control to securely manage all of your accounts on a range of devices, the way you want.",
    "additionalInfoUri": "https://www.commbank.com.au/digital-banking.html"
   }
  ],
  "constraints": [
   {
    "constraintType": "OPENING_BALANCE",
    "additionalValue": "4000.00",
    "additionalInfo": "The deposit amount of this Term Deposit is set by the Australian Government's Assurance of Support requirements.",
    "additionalInfoUri": "https://www.commbank.com.au/content/dam/commbank/personal/apply-online/download-printed-forms/InvInterestRates_ADB1072.pdf"
   }
  ],
  "eligibility": [
   {
    "eligibilityType": "OTHER",
    "additionalInfo": "Only available to applicants who request an Assurance of Support Bank Guarantee and present a letter issued to them by the Australian Government (including its departments or agencies).",
    "additionalInfoUri": "https://www.commbank.com.au/content/dam/tmd/Assurance-of-Support-Term-Deposit/assuranceofsupporttermdeposit-tmd.pdf"
   }
  ],
  "fees": [
   {
    "name": "Prepayment administration fee",
    "feeType": "EVENT",
    "feeMethodUType": "fixedAmount",
    "fixedAmount": {
     "amount": "30.00"
    },
    "currency": "AUD",
    "additionalInfo": "You'll need to give us 31 days' notice to withdraw all or part of your funds if your Term Deposit hasn’t reached the end of the fixed term. A prepayment adjustment (variable amount) and $30 prepayment administration fee may apply if you withdraw your funds early. To see an example of how the Prepayment Interest Adjustment is calculated, please see our Terms & Conditions.",
    "additionalInfoUri": "https://www.commbank.com.au/content/dam/commbank/personal/apply-online/download-printed-forms/TermDeposit_ADB202.pdf"
   },
   {
    "name": "Prepayment interest adjustment",
    "feeType": "EVENT",
    "feeMethodUType": "variable",
    "variable": {},
    "currency": "AUD",
    "additionalInfo": "You'll need to give us 31 days' notice to withdraw all or part of your funds if your Term Deposit hasn’t reached the end of the fixed term. A prepayment adjustment (variable amount) and $30 prepayment administration fee may apply if you withdraw your funds early. To see an example of how the Prepayment Interest Adjustment is calculated, please see our Terms & Conditions.",
    "additionalInfoUri": "https://www.commbank.com.au/content/dam/commbank/personal/apply-online/download-printed-forms/TermDeposit_ADB202.pdf"
   }
  ],
  "depositRates": [
   {
    "depositRateType": "FIXED",
    "rate": "0.039",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P6M",
    "tiers": [
     {
      "name": "Amount",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "1.00",
      "maximumValue": "4999.99",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "Term",
      "unitOfMeasure": "MONTH",
      "minimumValue": "60"
     }
    ],
    "additionalValue": "P60M",
    "additionalInfo": "The term of this term deposit is 60 months and at maturity, it will be auto-rolled over for another 60 months."
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.039",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P6M",
    "tiers": [
     {
      "name": "Amount",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "5000.00",
      "maximumValue": "9999.99",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "Term",
      "unitOfMeasure": "MONTH",
      "minimumValue": "60"
     }
    ],
    "additionalValue": "P60M",
    "additionalInfo": "The term of this term deposit is 60 months and at maturity, it will be auto-rolled over for another 60 months."
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.039",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P6M",
    "tiers": [
     {
      "name": "Amount",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "10000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "Term",
      "unitOfMeasure": "MONTH",
      "minimumValue": "60"
     }
    ],
    "additionalValue": "P60M",
    "additionalInfo": "The term of this term deposit is 60 months and at maturity, it will be auto-rolled over for another 60 months."
   }
  ],
  "productId": "78ff8e5eacd64d1ab6ab368b1f0106bc",
  "lastUpdated": "2026-10-02T01:15:38.000Z",
  "productCategory": "TERM_DEPOSITS",
  "name": "TD Parent Visa Bank Guarantee",
  "description": "A Term Deposit opened for the specific purpose of providing security for a bank guarantee required by the Commonwealth Government in relation to their requirement for an assurance of support.",
  "brand": "CBA",
  "brandName": "CommBank",
  "isTailored": false,
  "additionalInformation": {
   "overviewUri": "https://www.commbank.com.au/content/dam/commbank/personal/apply-online/download-printed-forms/TermDeposit_ADB202.pdf",
   "termsUri": "https://www.commbank.com.au/content/dam/commbank/personal/apply-online/download-printed-forms/TermDeposit_ADB202.pdf",
   "eligibilityUri": "https://www.commbank.com.au/content/dam/tmd/Assurance-of-Support-Term-Deposit/assuranceofsupporttermdeposit-tmd.pdf",
   "feesAndPricingUri": "https://www.commbank.com.au/content/dam/commbank/personal/apply-online/download-printed-forms/InvInterestRates_ADB1072.pdf"
  }
 }
}