{
  "source": "https://api-gateway.bankofchina.com.au/cds-au/v1/banking/products/55078005",
  "note": "Product Reference Data published by the data holder under the Consumer Data Right, as cached by this site (refreshed every 6 hours).",
  "data": {
    "productId": "55078005",
    "effectiveFrom": "2012-02-10T00:00:00.000+11:00",
    "effectiveTo": "9999-12-31T00:00:00.000+11:00",
    "lastUpdated": "2026-03-10T06:00:00.000+11:00",
    "productCategory": "TERM_DEPOSITS",
    "name": "Special Term Deposit CNY 12M",
    "description": "Special Term Deposit CNY 12M",
    "brand": "BCA",
    "brandName": "Bank of China",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.bankofchina.com/au/en/pbservice/pb1/201712/t20171214_10912803.html",
      "termsUri": "https://www.bankofchina.com/au/en/bocinfo/bi3/201610/t20161020_10963641.html",
      "eligibilityUri": "https://www.bankofchina.com/au/en/bocinfo/bi3/201610/t20161020_10963641.html",
      "feesAndPricingUri": "https://www.bankofchina.com/au/en/bocinfo/bi2/201706/t20170629_10963936.html"
    },
    "bundles": [],
    "features": [
      {
        "featureType": "DIGITAL_BANKING"
      }
    ],
    "constraints": [
      {
        "constraintType": "OPENING_BALANCE",
        "additionalValue": "100000",
        "additionalInfo": "minimal opening balance CNY 10000"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "16",
        "additionalInfo": "accepted visa required"
      }
    ],
    "fees": [],
    "depositRates": [
      {
        "depositRateType": "FIXED",
        "rate": "0.017",
        "calculationFrequency": "P1D",
        "applicationType": "MATURITY",
        "additionalValue": "Special Term Deposit CNY 12M"
      }
    ],
    "lendingRates": []
  }
}