{
 "snapshot_at": "2026-10-02T09:50:36Z",
 "brand": "ING BANK (Australia) Ltd",
 "brand_slug": "ing-bank-australia-ltd",
 "product_id": "26ab99ae-81ed-44d0-933f-b6d9f0f4b004",
 "cdr_url": "https://id.ob.ing.com.au/cds-au/v1/banking/products/26ab99ae-81ed-44d0-933f-b6d9f0f4b004",
 "x_v": 7,
 "how_to_fetch": "curl -H 'x-v: 7' 'https://id.ob.ing.com.au/cds-au/v1/banking/products/26ab99ae-81ed-44d0-933f-b6d9f0f4b004'",
 "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": "26ab99ae-81ed-44d0-933f-b6d9f0f4b004",
  "effectiveFrom": "2008-01-29T22:00:00.000Z",
  "effectiveTo": "9999-12-31T01:00:00.000Z",
  "lastUpdated": "2026-09-13T14:00:00.000Z",
  "productCategory": "TERM_DEPOSITS",
  "name": "Personal Term Deposits",
  "description": "A high interest rate guaranteed for the term. You choose the timeframe.",
  "brand": "ING",
  "isTailored": false,
  "additionalInformation": {
   "overviewUri": "https://www.ing.com.au/savings/term-deposit.html"
  },
  "features": [
   {
    "featureType": "DIGITAL_BANKING"
   }
  ],
  "constraints": [
   {
    "constraintType": "MIN_BALANCE",
    "additionalValue": "10000.00",
    "additionalInfo": "Minimum balance of $10,000."
   },
   {
    "constraintType": "OPENING_BALANCE",
    "additionalValue": "10000.00",
    "additionalInfo": "Minimum balance of $10,000."
   },
   {
    "constraintType": "MAX_BALANCE",
    "additionalValue": "5000000.00",
    "additionalInfo": "We may not accept a deposit to your Personal Term Deposit if it would result in the combined deposits of all your Personal Term Deposit(s) (whether in individual or joint names) exceeding $5,000,000."
   }
  ],
  "eligibility": [
   {
    "eligibilityType": "MIN_AGE",
    "additionalValue": "18",
    "additionalInfo": "You must be aged 18 or over."
   },
   {
    "eligibilityType": "OTHER",
    "additionalInfo": "You must be an Australian resident for taxation purposes."
   }
  ],
  "fees": [
   {
    "name": "Account fee",
    "feeType": "PERIODIC",
    "feeMethodUType": "fixedAmount",
    "fixedAmount": {
     "amount": "0.00"
    },
    "currency": "AUD",
    "additionalValue": "P1M",
    "additionalInfo": "There are $0 monthly fees."
   },
   {
    "name": "Early withdrawal",
    "feeType": "EXIT",
    "feeMethodUType": "fixedAmount",
    "fixedAmount": {
     "amount": "0.00"
    },
    "currency": "AUD",
    "additionalInfo": "You may withdraw all (but not part) of your deposit before the end of the term. A reduced rate of interest will apply in these circumstances. You'll need to give us at least 31 days' advance notice (except in the case of hardship)."
   }
  ],
  "depositRates": [
   {
    "depositRateType": "FIXED",
    "rate": "0.0505",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "additionalValue": "P90D"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0500",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "additionalValue": "P120D",
    "additionalInfo": "Get a fixed interest rate guaranteed for your timeframe of choice on deposits of $10,000 or more."
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0520",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "additionalValue": "P180D"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0500",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "additionalValue": "P210D"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0510",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "additionalValue": "P270D"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0535",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "additionalValue": "P330D"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0530",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "additionalValue": "P1Y"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0525",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "additionalValue": "P2Y",
    "additionalInfo": "For terms of more than one year, interest is credited to your account on the Anniversary Date and on the day prior to the maturity date."
   }
  ]
 }
}