{
  "source": "https://public.cdr.prd.policebank.com.au/cds-au/v1/banking/products/2d24914e-144d-46be-bb8b-ae9e2c8207e7",
  "note": "Product Reference Data published by the data holder under the Consumer Data Right, as cached by this site (refreshed every 6 hours).",
  "data": {
    "brand": "Police Bank",
    "description": "Learning to save has never been so easy with Police Bank’s Dynamo children’s saving account. Receive a bonus rate of interest if no withdrawals are made and and a minimum of $20 is deposited per month.",
    "isTailored": false,
    "lastUpdated": "2026-05-28T04:52:28.254Z",
    "name": "Dynamo/Flex Account",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "productId": "2d24914e-144d-46be-bb8b-ae9e2c8207e7",
    "additionalInformation": {
      "overviewUri": "https://www.policebank.com.au/forms/dynamo-flex-application",
      "termsUri": null,
      "eligibilityUri": null,
      "feesAndPricingUri": null,
      "bundleUri": null,
      "additionalOverviewUris": null,
      "additionalTermsUris": null,
      "additionalEligibilityUris": null,
      "additionalFeesAndPricingUris": null,
      "additionalBundleUris": null
    },
    "applicationUri": "https://www.policebank.com.au/forms/dynamo-flex-application",
    "brandName": null,
    "brandGroup": null,
    "cardArt": null,
    "effectiveFrom": "2020-09-24T02:02:00Z",
    "effectiveTo": null,
    "bundles": null,
    "constraints": null,
    "depositRates": [
      {
        "depositRateType": "BONUS",
        "rate": "0.0225",
        "additionalInfo": null,
        "additionalInfoUri": "https://www.policebank.com.au/interest-rates/#",
        "additionalValue": "Whole Balance Monthly. Bonus Interest rate applies if no withdrawals and a minimum deposit of $20 are made within a month",
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "tiers": null,
        "applicationType": "PERIODIC",
        "applicabilityConditions": [
          {
            "additionalInfo": null,
            "additionalInfoUri": null,
            "rateApplicabilityType": "MAX_WITHDRAWALS",
            "additionalValue": "0"
          },
          {
            "additionalInfo": null,
            "additionalInfoUri": null,
            "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
            "additionalValue": "20.00"
          }
        ]
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0",
        "additionalInfo": "Balance $50,000 or more Interest payable is capped to a maximum deposit amount of $49,999.99",
        "additionalInfoUri": "https://www.policebank.com.au/interest-rates/#",
        "additionalValue": null,
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "tiers": [
          {
            "minimumValue": "50000.00",
            "name": "S24 T2",
            "unitOfMeasure": "DOLLAR",
            "additionalInfo": null,
            "additionalInfoUri": null,
            "applicabilityConditions": null,
            "maximumValue": null,
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "applicationType": "PERIODIC",
        "applicabilityConditions": null
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.004",
        "additionalInfo": "Balance $0.00 to $49,999.99",
        "additionalInfoUri": "https://www.policebank.com.au/interest-rates/#",
        "additionalValue": null,
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "tiers": [
          {
            "minimumValue": "0.00",
            "name": "S24 T1",
            "unitOfMeasure": "DOLLAR",
            "additionalInfo": null,
            "additionalInfoUri": null,
            "applicabilityConditions": null,
            "maximumValue": "50000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "applicationType": "PERIODIC",
        "applicabilityConditions": null
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "MIN_AGE",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "0"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "Australian Citizen"
      },
      {
        "eligibilityType": "NATURAL_PERSON",
        "additionalInfo": "Individuals",
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "eligibilityType": "MAX_AGE",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "18"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "Australian Residents"
      }
    ],
    "features": [
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Internet banking. You can check your account details or make transfers anytime or anywhere using our online with Internet Banking – service is free.",
        "additionalInfoUri": "https://www.policebank.com.au/pdf/financial_services_guide.pdf",
        "additionalValue": null,
        "isActivated": "UNKNOWN"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Contributes to Reduced Fees Program. Simply maintain a combined monthly balance of $5000 or more worth of savings, investments or loans and you will receive more fee free ATM and EFTPOS transactions as well as qualify for fee rebates.",
        "additionalInfoUri": null,
        "additionalValue": null,
        "isActivated": "UNKNOWN"
      },
      {
        "featureType": "NPP_PAYID",
        "additionalInfo": "Email Address. Select the Contact Method that you would like to use for your PayID i.e. your mobile number or email address.",
        "additionalInfoUri": null,
        "additionalValue": null,
        "isActivated": "UNKNOWN"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Direct Credits. Make regular credits like your pay into this account",
        "additionalInfoUri": "https://www.policebank.com.au/pdf/financial_services_guide.pdf",
        "additionalValue": null,
        "isActivated": "UNKNOWN"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Bonus Interest Rate available. Minimum of $20 to be deposited each month in order to achieve bonus interest. If a withdrawal is made in a month then no bonus interest will be paid. ",
        "additionalInfoUri": "https://www.policebank.com.au/pdf/financial_services_guide.pdf",
        "additionalValue": null,
        "isActivated": "UNKNOWN"
      },
      {
        "featureType": "NPP_PAYID",
        "additionalInfo": "Mobile Number. Select the Contact Method that you would like to use for your PayID i.e. your mobile number or email address.",
        "additionalInfoUri": null,
        "additionalValue": null,
        "isActivated": "UNKNOWN"
      },
      {
        "featureType": "NPP_ENABLED",
        "additionalInfo": "NPP allows participating banks and financial institutions to process, clear and settle Osko® Fast Payments (which are payments made and received in near real-time) and NPP Quick Payments. ",
        "additionalInfoUri": null,
        "additionalValue": null,
        "isActivated": "UNKNOWN"
      }
    ],
    "fees": [
      {
        "feeType": "EVENT",
        "name": "Default Notice Fee",
        "additionalInfo": "Payable if and when we send you a default notice for an overdrawn account where an arrears remains\r\nunremedied after we have sent you an arrears letter ",
        "additionalInfoUri": "https://www.policebank.com.au/schedule-of-fees-and-charges",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "21.50"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Document Retrieval Fee",
        "additionalInfo": "Minimum $22.77 per hour retrieval fee and minimum $30 per hour administrative fee. Payable on request for documents to be retrieved",
        "additionalInfoUri": "https://www.policebank.com.au/schedule-of-fees-and-charges",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Additional Statement Fee",
        "additionalInfo": "$1.50 per page. Payable if and when you request an additional statement.",
        "additionalInfoUri": "https://www.policebank.com.au/schedule-of-fees-and-charges",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Third Party Costs",
        "additionalInfo": "At Cost. Any costs charged to us from a third party will be passed on to you. Information on these costs is\navailable on request.",
        "additionalInfoUri": "https://www.policebank.com.au/schedule-of-fees-and-charges",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "TRANSACTION",
        "name": "Counter Cash withdrawal $25,000 and over",
        "additionalInfo": "Per cash withdrawal $25,000 or over",
        "additionalInfoUri": "https://www.policebank.com.au/schedule-of-fees-and-charges",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "50.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Overdrawn Savings Account Fee",
        "additionalInfo": "Payable when any Savings Account is overdrawn by $75 or more within a calendar month\r\nInterest will also be charged at the then current Overdraft interest rate",
        "additionalInfoUri": "https://www.policebank.com.au/schedule-of-fees-and-charges",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "15.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Dormant Accounts fee",
        "additionalInfo": "After 3 years an account is classed as dormant if no Member transactions occur. Interest, fees\r\nand government charges are not classed as transactions.",
        "additionalInfoUri": "https://www.policebank.com.au/schedule-of-fees-and-charges",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "TRANSACTION",
        "name": "Counter Cash withdrawal fee up to $24,999",
        "additionalInfo": "First 3 free if part of Reduced Fees program",
        "additionalInfoUri": "https://www.policebank.com.au/schedule-of-fees-and-charges",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "2.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.1196",
        "additionalInfo": "May be applicable if your account becomes overdrawn",
        "additionalInfoUri": "https://www.policebank.com.au/pdf/financial_services_guide.pdf",
        "additionalValue": null,
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "comparisonRate": null,
        "interestPaymentDue": "IN_ARREARS",
        "loanPurpose": "OTHER",
        "repaymentType": "OTHER",
        "tiers": null,
        "applicabilityConditions": null,
        "applicationType": "PERIODIC"
      }
    ],
    "instalments": null
  }
}