{
 "snapshot_at": "2026-10-02T09:50:33Z",
 "brand": "HSBC Bank Australia Limited – Wholesale Banking",
 "brand_slug": "hsbc-bank-australia-limited-wholesale-banking",
 "product_id": "ND3",
 "cdr_url": "https://public.ob.business.hsbc.com.au/cds-au/v1/banking/products/ND3",
 "x_v": 7,
 "how_to_fetch": "curl -H 'x-v: 7' 'https://public.ob.business.hsbc.com.au/cds-au/v1/banking/products/ND3'",
 "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": "ND3",
  "lastUpdated": "2026-02-18T04:13:33.940Z",
  "productCategory": "TERM_DEPOSITS",
  "name": "31 Day Notice Account",
  "description": "HSBC’s 31 Day Notice Account (31DNA) is a deposit available in AUD and USD that rewards long term behavior by paying an enhanced yield on funds held prior to notice of withdrawal. Withdrawals are subject to a notice period during which the credit interest rate applied will reflect the reducing residual term.",
  "brand": "HSBC",
  "brandName": "Corporate and Institutional Banking",
  "isTailored": false,
  "features": [
   {
    "featureType": "RELATIONSHIP_MANAGEMENT"
   },
   {
    "featureType": "DIGITAL_BANKING",
    "additionalInfo": "Enablement to view account information over HSBCnet"
   },
   {
    "featureType": "OTHER",
    "additionalInfo": "Redirection of Credit Interest - Ability to direct enhanced credit interest to either the Notice account itself or to a business operating account."
   }
  ],
  "constraints": [
   {
    "constraintType": "MIN_BALANCE",
    "additionalValue": "1000000.00"
   },
   {
    "constraintType": "OPENING_BALANCE",
    "additionalValue": "1000000.00"
   }
  ],
  "eligibility": [
   {
    "eligibilityType": "BUSINESS",
    "additionalInfo": "Corporate and Financial Institution customers."
   }
  ],
  "depositRates": [
   {
    "depositRateType": "MARKET_LINKED",
    "rate": "0.001",
    "calculationFrequency": "P1M",
    "applicationFrequency": "P1D",
    "additionalValue": "Enhanced interest over a benchmark credit interest rate where the rate is a negotiated margin of the external floating benchmark.",
    "applicationType": "MATURITY"
   }
  ]
 }
}