{
  "source": "https://public.ob.business.hsbc.com.au/cds-au/v1/banking/products/ND3",
  "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": "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"
      }
    ]
  }
}