{
 "snapshot_at": "2026-10-02T09:51:11Z",
 "brand": "Westpac",
 "brand_slug": "westpac",
 "product_id": "TDTermDeposit",
 "cdr_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/TDTermDeposit",
 "x_v": 7,
 "how_to_fetch": "curl -H 'x-v: 7' 'https://digital-api.westpac.com.au/cds-au/v1/banking/products/TDTermDeposit'",
 "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": "TDTermDeposit",
  "lastUpdated": "2026-09-21T00:44:33Z",
  "productCategory": "TERM_DEPOSITS",
  "name": "Term Deposit",
  "description": "Term Deposit Fixed Rate Savings. After a fixed return on your investment? Open or renew a Term Deposit now online or in-branch.",
  "brand": "Westpac",
  "isTailored": false,
  "additionalInformation": {
   "overviewUri": "https://www.westpac.com.au/bank-accounts/term-deposit",
   "termsUri": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/TermDeposits-tandc.pdf",
   "eligibilityUri": "https://www.westpac.com.au/bank-accounts/term-deposit",
   "feesAndPricingUri": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/TermDeposits-tandc.pdf"
  },
  "features": [
   {
    "featureType": "OTHER",
    "additionalInfo": "Fixed return: With a fixed interest rate over a fixed term, you?ll know exactly how much you?re going to earn"
   },
   {
    "featureType": "OTHER",
    "additionalInfo": "Choice of terms: Pick a term from 1 month to 5 years, knowing your money will be invested securely."
   },
   {
    "featureType": "DIGITAL_BANKING",
    "additionalInfo": "Easy to manage: Easily view and manage your investment in Online Banking and the Westpac App."
   },
   {
    "featureType": "OTHER",
    "additionalInfo": "Options at maturity: Choose whether to withdraw funds or reinvest, or set up instructions in advance."
   },
   {
    "featureType": "OTHER",
    "additionalInfo": "On Term Deposits opened or renewed by a Westpac customer. T&Cs apply."
   },
   {
    "featureType": "OTHER",
    "additionalInfo": "For deposits of $5,000 to $2,000,000 on terms of 12 months."
   },
   {
    "featureType": "OTHER",
    "additionalInfo": "Personal Customers can open account either by Branch, Phone or Online."
   },
   {
    "featureType": "OTHER",
    "additionalInfo": "Statements sent includes confirmation, maturity, renewal and repayment advices"
   },
   {
    "featureType": "FRAUD_PROTECTION",
    "additionalInfo": "The product includes limited fraud protection features."
   },
   {
    "featureType": "RELATIONSHIP_MANAGEMENT",
    "additionalInfo": "Relationship management is available for eligible customers."
   },
   {
    "featureType": "OTHER",
    "additionalInfo": "For 12-month terms: interest can be paid monthly, half yearly or at maturity."
   },
   {
    "featureType": "OTHER",
    "additionalInfo": "Add 0.10% p.a. online bonus rate to these rates if you?re already with Westpac and opening or renewing online"
   },
   {
    "featureType": "OTHER",
    "additionalInfo": "Online, Term Deposits can only be opened with a minimum term of one month, however once matured they can be renewed for terms ranging from 7 days to 5 years: if opened through a staff member, they can be established for terms as short as 7 days."
   }
  ],
  "constraints": [
   {
    "constraintType": "MIN_BALANCE",
    "additionalValue": "5000.00"
   },
   {
    "constraintType": "MAX_BALANCE",
    "additionalValue": "2000000.00"
   }
  ],
  "eligibility": [
   {
    "eligibilityType": "OTHER",
    "additionalInfo": "Personal customers of all ages. If the Account Holder is under 14, the account must be opened by an adult authorised signatory. Account Holders under 12 are not eligible for electronic access."
   },
   {
    "eligibilityType": "RESIDENCY_STATUS",
    "additionalValue": "Those with an Australian residential address and who are currently in Australia."
   },
   {
    "eligibilityType": "OTHER",
    "additionalInfo": "Online Application - To open a Term Deposit online, you need to be an Existing customer with a Westpac Choice account, Individual or sole trader. "
   }
  ],
  "fees": [
   {
    "name": "Bank cheque",
    "feeType": "TRANSACTION",
    "feeMethodUType": "fixedAmount",
    "fixedAmount": {
     "amount": "10.00"
    }
   },
   {
    "name": "Bank cheque Online",
    "feeType": "TRANSACTION",
    "feeMethodUType": "fixedAmount",
    "fixedAmount": {
     "amount": "0.00"
    }
   },
   {
    "name": "Refunding a Bank cheque no longer required - original presented",
    "feeType": "TRANSACTION",
    "feeMethodUType": "fixedAmount",
    "fixedAmount": {
     "amount": "0.00"
    }
   },
   {
    "name": "Refunding / Replacing a Bank cheque - original lost, stolen or destroyed",
    "feeType": "REPLACEMENT",
    "feeMethodUType": "fixedAmount",
    "fixedAmount": {
     "amount": "0.00"
    }
   }
  ],
  "depositRates": [
   {
    "depositRateType": "FIXED",
    "rate": "0.014",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "tiers": [
     {
      "name": "1 Month",
      "unitOfMeasure": "MONTH",
      "minimumValue": "1",
      "maximumValue": "1",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicabilityConditions": [
     {
      "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
      "additionalValue": "5000.00"
     }
    ],
    "additionalValue": "P1M",
    "additionalInfo": "Interest paid at maturity"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0165",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "tiers": [
     {
      "name": "2 Month",
      "unitOfMeasure": "MONTH",
      "minimumValue": "2",
      "maximumValue": "2",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicabilityConditions": [
     {
      "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
      "additionalValue": "5000.00"
     }
    ],
    "additionalValue": "P2M",
    "additionalInfo": "Interest paid at maturity"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0325",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "tiers": [
     {
      "name": "3 Month",
      "unitOfMeasure": "MONTH",
      "minimumValue": "3",
      "maximumValue": "3",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicabilityConditions": [
     {
      "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
      "additionalValue": "5000.00"
     }
    ],
    "additionalValue": "P3M",
    "additionalInfo": "Interest paid at maturity"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.034",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "tiers": [
     {
      "name": "4 Month",
      "unitOfMeasure": "MONTH",
      "minimumValue": "4",
      "maximumValue": "4",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicabilityConditions": [
     {
      "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
      "additionalValue": "5000.00"
     }
    ],
    "additionalValue": "P4M",
    "additionalInfo": "Interest paid at maturity"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0345",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "tiers": [
     {
      "name": "5 Month",
      "unitOfMeasure": "MONTH",
      "minimumValue": "5",
      "maximumValue": "5",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicabilityConditions": [
     {
      "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
      "additionalValue": "5000.00"
     }
    ],
    "additionalValue": "P5M",
    "additionalInfo": "Interest paid at maturity"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.034",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "tiers": [
     {
      "name": "6 Month",
      "unitOfMeasure": "MONTH",
      "minimumValue": "6",
      "maximumValue": "6",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicabilityConditions": [
     {
      "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
      "additionalValue": "5000.00"
     }
    ],
    "additionalValue": "P6M",
    "additionalInfo": "Interest paid at maturity"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0355",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "tiers": [
     {
      "name": "7 Month",
      "unitOfMeasure": "MONTH",
      "minimumValue": "7",
      "maximumValue": "7",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicabilityConditions": [
     {
      "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
      "additionalValue": "5000.00"
     }
    ],
    "additionalValue": "P7M",
    "additionalInfo": "Interest paid at maturity"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.036",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "tiers": [
     {
      "name": "8 Month",
      "unitOfMeasure": "MONTH",
      "minimumValue": "8",
      "maximumValue": "8",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicabilityConditions": [
     {
      "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
      "additionalValue": "5000.00"
     }
    ],
    "additionalValue": "P8M",
    "additionalInfo": "Interest paid at maturity"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0365",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "tiers": [
     {
      "name": "9 Month",
      "unitOfMeasure": "MONTH",
      "minimumValue": "9",
      "maximumValue": "9",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicabilityConditions": [
     {
      "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
      "additionalValue": "5000.00"
     }
    ],
    "additionalValue": "P9M",
    "additionalInfo": "Interest paid at maturity"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.037",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "tiers": [
     {
      "name": "10 Month",
      "unitOfMeasure": "MONTH",
      "minimumValue": "10",
      "maximumValue": "10",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicabilityConditions": [
     {
      "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
      "additionalValue": "5000.00"
     }
    ],
    "additionalValue": "P10M",
    "additionalInfo": "Interest paid at maturity"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0375",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "tiers": [
     {
      "name": "11 Month",
      "unitOfMeasure": "MONTH",
      "minimumValue": "11",
      "maximumValue": "11",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicabilityConditions": [
     {
      "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
      "additionalValue": "5000.00"
     }
    ],
    "additionalValue": "P11M",
    "additionalInfo": "Interest paid at maturity"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.014",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P1M",
    "tiers": [
     {
      "name": "1 Month",
      "unitOfMeasure": "MONTH",
      "minimumValue": "1",
      "maximumValue": "1",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicabilityConditions": [
     {
      "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
      "additionalValue": "5000.00"
     }
    ],
    "additionalValue": "P1M",
    "additionalInfo": "Interest paid monthly"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.016",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P1M",
    "tiers": [
     {
      "name": "2 Month",
      "unitOfMeasure": "MONTH",
      "minimumValue": "2",
      "maximumValue": "2",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicabilityConditions": [
     {
      "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
      "additionalValue": "5000.00"
     }
    ],
    "additionalValue": "P2M",
    "additionalInfo": "Interest paid monthly"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.032",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P1M",
    "tiers": [
     {
      "name": "3 Month",
      "unitOfMeasure": "MONTH",
      "minimumValue": "3",
      "maximumValue": "3",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicabilityConditions": [
     {
      "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
      "additionalValue": "5000.00"
     }
    ],
    "additionalValue": "P3M",
    "additionalInfo": "Interest paid monthly"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0335",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P1M",
    "tiers": [
     {
      "name": "4 Month",
      "unitOfMeasure": "MONTH",
      "minimumValue": "4",
      "maximumValue": "4",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicabilityConditions": [
     {
      "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
      "additionalValue": "5000.00"
     }
    ],
    "additionalValue": "P4M",
    "additionalInfo": "Interest paid monthly"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.034",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P1M",
    "tiers": [
     {
      "name": "5 Month",
      "unitOfMeasure": "MONTH",
      "minimumValue": "5",
      "maximumValue": "5",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicabilityConditions": [
     {
      "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
      "additionalValue": "5000.00"
     }
    ],
    "additionalValue": "P5M",
    "additionalInfo": "Interest paid monthly"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0335",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P1M",
    "tiers": [
     {
      "name": "6 Month",
      "unitOfMeasure": "MONTH",
      "minimumValue": "6",
      "maximumValue": "6",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicabilityConditions": [
     {
      "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
      "additionalValue": "5000.00"
     }
    ],
    "additionalValue": "P6M",
    "additionalInfo": "Interest paid monthly"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.035",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P1M",
    "tiers": [
     {
      "name": "7 Month",
      "unitOfMeasure": "MONTH",
      "minimumValue": "7",
      "maximumValue": "7",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicabilityConditions": [
     {
      "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
      "additionalValue": "5000.00"
     }
    ],
    "additionalValue": "P7M",
    "additionalInfo": "Interest paid monthly"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0355",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P1M",
    "tiers": [
     {
      "name": "8 Month",
      "unitOfMeasure": "MONTH",
      "minimumValue": "8",
      "maximumValue": "8",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicabilityConditions": [
     {
      "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
      "additionalValue": "5000.00"
     }
    ],
    "additionalValue": "P8M",
    "additionalInfo": "Interest paid monthly"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.036",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P1M",
    "tiers": [
     {
      "name": "9 Month",
      "unitOfMeasure": "MONTH",
      "minimumValue": "9",
      "maximumValue": "9",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicabilityConditions": [
     {
      "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
      "additionalValue": "5000.00"
     }
    ],
    "additionalValue": "P9M",
    "additionalInfo": "Interest paid monthly"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0365",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P1M",
    "tiers": [
     {
      "name": "10 Month",
      "unitOfMeasure": "MONTH",
      "minimumValue": "10",
      "maximumValue": "10",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicabilityConditions": [
     {
      "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
      "additionalValue": "5000.00"
     }
    ],
    "additionalValue": "P10M",
    "additionalInfo": "Interest paid monthly"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.037",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P1M",
    "tiers": [
     {
      "name": "11 Month",
      "unitOfMeasure": "MONTH",
      "minimumValue": "11",
      "maximumValue": "11",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicabilityConditions": [
     {
      "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
      "additionalValue": "5000.00"
     }
    ],
    "additionalValue": "P11M",
    "additionalInfo": "Interest paid monthly"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0475",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "tiers": [
     {
      "name": "12 Month",
      "unitOfMeasure": "MONTH",
      "minimumValue": "12",
      "maximumValue": "12",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicabilityConditions": [
     {
      "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
      "additionalValue": "5000.00"
     }
    ],
    "additionalValue": "P12M",
    "additionalInfo": "Interest paid at maturity"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0475",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "tiers": [
     {
      "name": "13 Month",
      "unitOfMeasure": "MONTH",
      "minimumValue": "13",
      "maximumValue": "23",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicabilityConditions": [
     {
      "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
      "additionalValue": "5000.00"
     }
    ],
    "additionalValue": "P23M",
    "additionalInfo": "Interest paid at maturity (Annually)"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.045",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "tiers": [
     {
      "name": "24 Month",
      "unitOfMeasure": "MONTH",
      "minimumValue": "24",
      "maximumValue": "35",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicabilityConditions": [
     {
      "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
      "additionalValue": "5000.00"
     }
    ],
    "additionalValue": "P35M",
    "additionalInfo": "Interest paid at maturity (Annually)"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.04",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "tiers": [
     {
      "name": "36 Month",
      "unitOfMeasure": "MONTH",
      "minimumValue": "36",
      "maximumValue": "47",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicabilityConditions": [
     {
      "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
      "additionalValue": "5000.00"
     }
    ],
    "additionalValue": "P47M",
    "additionalInfo": "Interest paid at maturity (Annually)"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.04",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "tiers": [
     {
      "name": "48 Month",
      "unitOfMeasure": "MONTH",
      "minimumValue": "48",
      "maximumValue": "59",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicabilityConditions": [
     {
      "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
      "additionalValue": "5000.00"
     }
    ],
    "additionalValue": "P59M",
    "additionalInfo": "Interest paid at maturity (Annually)"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.04",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "tiers": [
     {
      "name": "60 Month",
      "unitOfMeasure": "MONTH",
      "minimumValue": "60",
      "maximumValue": "60",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicabilityConditions": [
     {
      "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
      "additionalValue": "5000.00"
     }
    ],
    "additionalValue": "P60M",
    "additionalInfo": "Interest paid at maturity (Annually)"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.047",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P1M",
    "tiers": [
     {
      "name": "12 Month",
      "unitOfMeasure": "MONTH",
      "minimumValue": "12",
      "maximumValue": "12",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicabilityConditions": [
     {
      "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
      "additionalValue": "5000.00"
     }
    ],
    "additionalValue": "P12M",
    "additionalInfo": "Interest paid monthly"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.047",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P1M",
    "tiers": [
     {
      "name": "13 Month",
      "unitOfMeasure": "MONTH",
      "minimumValue": "13",
      "maximumValue": "23",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicabilityConditions": [
     {
      "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
      "additionalValue": "5000.00"
     }
    ],
    "additionalValue": "P23M",
    "additionalInfo": "Interest paid monthly"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0445",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P1M",
    "tiers": [
     {
      "name": "24 Month",
      "unitOfMeasure": "MONTH",
      "minimumValue": "24",
      "maximumValue": "35",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicabilityConditions": [
     {
      "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
      "additionalValue": "5000.00"
     }
    ],
    "additionalValue": "P35M",
    "additionalInfo": "Interest paid monthly"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0395",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P1M",
    "tiers": [
     {
      "name": "36 Month",
      "unitOfMeasure": "MONTH",
      "minimumValue": "36",
      "maximumValue": "47",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicabilityConditions": [
     {
      "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
      "additionalValue": "5000.00"
     }
    ],
    "additionalValue": "P47M",
    "additionalInfo": "Interest paid monthly"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0395",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P1M",
    "tiers": [
     {
      "name": "48 Month",
      "unitOfMeasure": "MONTH",
      "minimumValue": "48",
      "maximumValue": "59",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicabilityConditions": [
     {
      "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
      "additionalValue": "5000.00"
     }
    ],
    "additionalValue": "P59M",
    "additionalInfo": "Interest paid monthly"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0395",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P1M",
    "tiers": [
     {
      "name": "60 Month",
      "unitOfMeasure": "MONTH",
      "minimumValue": "60",
      "maximumValue": "60",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicabilityConditions": [
     {
      "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
      "additionalValue": "5000.00"
     }
    ],
    "additionalValue": "P60M",
    "additionalInfo": "Interest paid monthly"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.047",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P6M",
    "tiers": [
     {
      "name": "12 Month",
      "unitOfMeasure": "MONTH",
      "minimumValue": "12",
      "maximumValue": "12",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicabilityConditions": [
     {
      "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
      "additionalValue": "5000.00"
     }
    ],
    "additionalValue": "P12M",
    "additionalInfo": "Interest paid half-yearly"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.047",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P6M",
    "tiers": [
     {
      "name": "13 Month",
      "unitOfMeasure": "MONTH",
      "minimumValue": "13",
      "maximumValue": "23",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicabilityConditions": [
     {
      "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
      "additionalValue": "5000.00"
     }
    ],
    "additionalValue": "P23M",
    "additionalInfo": "Interest paid half-yearly"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0445",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P6M",
    "tiers": [
     {
      "name": "24 Month",
      "unitOfMeasure": "MONTH",
      "minimumValue": "24",
      "maximumValue": "35",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicabilityConditions": [
     {
      "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
      "additionalValue": "5000.00"
     }
    ],
    "additionalValue": "P35M",
    "additionalInfo": "Interest paid half-yearly"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0395",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P6M",
    "tiers": [
     {
      "name": "36 Month",
      "unitOfMeasure": "MONTH",
      "minimumValue": "36",
      "maximumValue": "47",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicabilityConditions": [
     {
      "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
      "additionalValue": "5000.00"
     }
    ],
    "additionalValue": "P47M",
    "additionalInfo": "Interest paid half-yearly"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0395",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P6M",
    "tiers": [
     {
      "name": "48 Month",
      "unitOfMeasure": "MONTH",
      "minimumValue": "48",
      "maximumValue": "59",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicabilityConditions": [
     {
      "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
      "additionalValue": "5000.00"
     }
    ],
    "additionalValue": "P59M",
    "additionalInfo": "Interest paid half-yearly"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0395",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P6M",
    "tiers": [
     {
      "name": "60 Month",
      "unitOfMeasure": "MONTH",
      "minimumValue": "60",
      "maximumValue": "60",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicabilityConditions": [
     {
      "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
      "additionalValue": "5000.00"
     }
    ],
    "additionalValue": "P60M",
    "additionalInfo": "Interest paid half-yearly"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.052",
    "calculationFrequency": "P12M",
    "applicationType": "MATURITY",
    "tiers": [
     {
      "name": "12 Month",
      "unitOfMeasure": "MONTH",
      "minimumValue": "12",
      "maximumValue": "12",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicabilityConditions": [
     {
      "rateApplicabilityType": "ONLINE_ONLY"
     }
    ],
    "additionalValue": "P12M",
    "additionalInfo": "Offer available for a limited time only on Term Deposits opened or renewed by Westpac personal and business customers. Terms and conditions apply."
   },
   {
    "depositRateType": "BONUS",
    "rate": "0.001",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "tiers": [
     {
      "name": "12 Month",
      "unitOfMeasure": "MONTH",
      "minimumValue": "12",
      "maximumValue": "12",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicabilityConditions": [
     {
      "rateApplicabilityType": "ONLINE_ONLY"
     }
    ],
    "additionalValue": "P1D",
    "additionalInfo": "An additional online bonus rate will be added when you open or renew online. Applies across any rate and term, as well as on our special rate offer for terms mentioned above. Rate applies for a single term. Higher or lower rates may apply for subsequent terms. Rate will not be automatically applied to a renewing Term Deposit"
   }
  ]
 }
}