{
  "source": "https://openbanking.themutual.com.au/OpenBanking/cds-au/v1/banking/products/Internet_Saver_S1",
  "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"
      },
      {
        "featureType": "NPP_PAYID"
      },
      {
        "featureType": "NPP_ENABLED"
      },
      {
        "featureType": "UNLIMITED_TXNS"
      },
      {
        "featureType": "NOTIFICATIONS",
        "additionalValue": "Mutual Alerts - Balance, low and high balance, deposit, withdrawal"
      },
      {
        "featureType": "BILL_PAYMENT",
        "additionalValue": "BPAY",
        "additionalInfo": "Pay bills using BPAY"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Up to 3 sub accounts"
      }
    ],
    "constraints": [
      {
        "constraintType": "OPENING_BALANCE",
        "additionalValue": "0.00"
      },
      {
        "constraintType": "MIN_BALANCE",
        "additionalValue": "0.00"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "Australian citizen or a permanent resident of Australia or otherwise approved"
      },
      {
        "eligibilityType": "NATURAL_PERSON",
        "additionalInfo": "Available for personal use only"
      },
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "12"
      }
    ],
    "fees": [
      {
        "name": "DIRECT_ENTRY_DISHONOUR",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "9.00"
        },
        "feeCap": "0.00",
        "currency": "AUD",
        "additionalInfo": "Payable when a direct entry (inward and outward) is dishonoured.",
        "additionalInfoUri": "https://www.themutual.com.au/help-support/important-documents/"
      },
      {
        "name": "DOCUMENT_FEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "60.00"
        },
        "feeCap": "0.00",
        "currency": "AUD",
        "additionalInfo": "$60.00 per hour (subject to minimum $10.00 per copy). Payable if you request copies of documents such as withdrawal forms or statements, or you ask us to verify a transaction performed on your Account e.g. evidence of a Visa Debit Card purchase.",
        "additionalInfoUri": "https://www.themutual.com.au/help-support/important-documents/"
      },
      {
        "name": "MISCELLANEOUS_SERVICE_FEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "60.00"
        },
        "feeCap": "0.00",
        "currency": "AUD",
        "additionalInfo": "$60.00 per hour. Payable if you request information not covered by the Document Fee.",
        "additionalInfoUri": "https://www.themutual.com.au/help-support/important-documents/"
      },
      {
        "name": "UNCLAIMED_MONIES_FEE",
        "feeType": "CASH_ADVANCE",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "feeCap": "0.00",
        "currency": "AUD",
        "additionalInfo": "The lessor $20.00 or account balance. Payable when an account is classified as dormant.",
        "additionalInfoUri": "https://www.themutual.com.au/help-support/important-documents/"
      },
      {
        "name": "ONLINE_INTERNATIONAL_TRANSFER_(OUTWARD)",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "30.00"
        },
        "feeCap": "0.00",
        "currency": "AUD",
        "additionalInfo": "Payable if you use online banking to transfer funds internationally.",
        "additionalInfoUri": "https://www.themutual.com.au/help-support/important-documents/"
      },
      {
        "name": "OVERDRAWN_FEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "9.00"
        },
        "feeCap": "0.00",
        "currency": "AUD",
        "additionalInfo": "If your Account is overdrawn, without our prior agreement, a fee will be charged each time this occurs. Penalty interest (at the rate disclosed on the Deposit Interest Rate Schedule) will also be charged until the Account is brought back in order.",
        "additionalInfoUri": "https://www.themutual.com.au/help-support/important-documents/"
      },
      {
        "name": "DORMANT_ACCOUNT_FEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "feeCap": "0.00",
        "currency": "AUD",
        "additionalInfo": "This fee is charged to each of your Deposit Accounts closed due to dormancy. The lesser of $20.00 or the account balance.",
        "additionalInfoUri": "https://www.themutual.com.au/help-support/important-documents/"
      }
    ],
    "depositRates": [
      {
        "depositRateType": "BONUS",
        "rate": "0.024",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "Earn bonus interest by depositing new money to The Mutual Bank (excluding funds you currently have in existing accounts) between 13 Apr 26 to 31 May 26. Refer to website for full bonus T&Cs.",
        "additionalInfoUri": "https://www.themutual.com.au/help-support/tools-services/interest-rates/"
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0325",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "Internet Saver_Tier_1",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "0.00",
            "maximumValue": "25000.00",
            "rateApplicationMethod": "PER_TIER"
          }
        ],
        "additionalInfoUri": "https://www.themutual.com.au/help-support/tools-services/interest-rates/"
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0325",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "Internet Saver_Tier_2",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "25000.01",
            "maximumValue": "50000.00",
            "rateApplicationMethod": "PER_TIER"
          }
        ],
        "additionalInfoUri": "https://www.themutual.com.au/help-support/tools-services/interest-rates/"
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0325",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "Internet Saver_Tier_3",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "50000.01",
            "maximumValue": "100000.00",
            "rateApplicationMethod": "PER_TIER"
          }
        ],
        "additionalInfoUri": "https://www.themutual.com.au/help-support/tools-services/interest-rates/"
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0325",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "Internet Saver_Tier_4",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "100000.01",
            "maximumValue": "250000.00",
            "rateApplicationMethod": "PER_TIER"
          }
        ],
        "additionalInfoUri": "https://www.themutual.com.au/help-support/tools-services/interest-rates/"
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0325",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "Internet Saver_Tier_5",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "250000.01",
            "rateApplicationMethod": "PER_TIER"
          }
        ],
        "additionalInfoUri": "https://www.themutual.com.au/help-support/tools-services/interest-rates/"
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.2",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "repaymentType": "OTHER",
        "loanPurpose": "OTHER",
        "additionalInfo": "Penalty Interest will be charged on overdrawn accounts."
      }
    ],
    "productId": "Internet_Saver_S1",
    "lastUpdated": "2026-07-03T15:52:37.000+10:00",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "name": "Internet Saver",
    "description": "An online savings account.",
    "brand": "TheMutualBank",
    "brandName": "The Mutual Bank",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.themutual.com.au/everyday-banking/savings-investment-accounts/internet-saver/",
      "termsUri": "https://www.themutual.com.au/help-support/important-documents/",
      "eligibilityUri": "https://www.themutual.com.au/help-support/important-documents/",
      "feesAndPricingUri": "https://www.themutual.com.au/help-support/important-documents/"
    }
  }
}