{
  "source": "https://ib.bankvic.com.au/openbanking/cds-au/v1/banking/products/I20_Term_Deposit_24_months",
  "note": "Product Reference Data published by the data holder under the Consumer Data Right, as cached by this site (refreshed every 6 hours).",
  "data": {
    "features": [
      {
        "featureType": "DIGITAL_BANKING"
      }
    ],
    "constraints": [
      {
        "constraintType": "MIN_BALANCE",
        "additionalValue": "5000.00"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "BankVic Member"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "Australian Citizen"
      }
    ],
    "fees": [
      {
        "name": "TERM_DEPOSIT_-_EARLY_REDEMPTION_CHARGES",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD",
        "additionalInfo": "We do not charge a fee for early withdrawal, however, we will reduce the interest rate to the rate payable on the Everyday account."
      }
    ],
    "depositRates": [
      {
        "depositRateType": "FIXED",
        "rate": "0.0525",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P12M",
        "tiers": [
          {
            "name": "Term Deposit 24 Months_Tier",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "5000.00",
            "maximumValue": "9999999.99",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "name": "Term Deposit 24 Months_Tier",
            "unitOfMeasure": "MONTH",
            "minimumValue": "24",
            "maximumValue": "24",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalValue": "P24M",
        "additionalInfo": "Interest Paid Annually"
      }
    ],
    "productId": "I20_Term_Deposit_24_months",
    "lastUpdated": "2026-05-18T16:46:51.000+10:00",
    "productCategory": "TERM_DEPOSITS",
    "name": "Term Deposit 24 Months",
    "description": "Invest with peace of mind knowing your rate is locked in for the term",
    "brand": "BankVic",
    "brandName": "BankVic",
    "applicationUri": "https://www.bankvic.com.au/apply-for-deposit-account",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.bankvic.com.au/savings/?filter=Term-Deposits",
      "termsUri": "https://cdn.intelligencebank.com/au/share/NZw2/RVzr/yzJw/original/BankVic+Terms+%2526+Conditions",
      "eligibilityUri": "https://www.bankvic.com.au/savings/?filter=Term-Deposits",
      "feesAndPricingUri": "https://cdn.intelligencebank.com/au/share/NZw2/RVzr/dwqA/original/Fees+and+Charges"
    }
  }
}