{
  "source": "https://id.ob.ing.com.au/cds-au/v1/banking/products/ef0c2da9-0f12-40e9-ad5d-4fce22f5fd9a",
  "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": "ef0c2da9-0f12-40e9-ad5d-4fce22f5fd9a",
    "effectiveFrom": "2010-02-28T22:00:00.000Z",
    "effectiveTo": "9999-12-31T01:00:00.000Z",
    "lastUpdated": "2026-04-20T08:40:47.080Z",
    "productCategory": "TERM_DEPOSITS",
    "name": "Wholesale Term Deposit",
    "description": "Competitive interest rates for a fixed period for Government, Public Company, Charity, Association or Religious Organisations.",
    "brand": "ING",
    "isTailored": true,
    "additionalInformation": {
      "overviewUri": "https://www.ing.com.au/business/wholesale-term-deposit.html"
    },
    "features": [
      {
        "featureType": "OTHER",
        "additionalInfo": "Interest rates are negotiable, based on your business type and volume."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Your Wholesale Term Deposit will be customised to suit your structure and maturity needs. You can select a timeframe as short as 1 month, or as long as 5 years."
      }
    ],
    "constraints": [
      {
        "constraintType": "MIN_BALANCE",
        "additionalValue": "500000.00",
        "additionalInfo": "Minimum balance of $500,000."
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18",
        "additionalInfo": "You must be aged 18 or over."
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "You must be an Australian entity."
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "You must be an account holder using the product for business purposes or with a Self-Managed Super Fund (SMSF)."
      }
    ],
    "fees": [
      {
        "name": "Annual fee",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD",
        "additionalValue": "P1Y",
        "additionalInfo": "There are $0 monthly fees."
      }
    ]
  }
}