{
  "source": "https://public.cdr.onlinebanking.capricornian.com.au/cds-au/v1/banking/products/33563233-c746-4110-b19e-2dbe984248fd",
  "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": "THE CAPRICORNIAN",
    "description": "An internet-based savings account to help reach your saving goals faster.\n\nThis online account provides anytime access and rewards you with interest. As an added bonus, the iSaver can be used as an offset account for eligible home loan products to help reduce the monthly interest on your loan.",
    "isTailored": false,
    "lastUpdated": "2026-03-11T23:01:17.669998Z",
    "name": "iSaver",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "productId": "33563233-c746-4110-b19e-2dbe984248fd",
    "additionalInformation": {
      "overviewUri": "https://www.capricornian.com.au/banking/i-saver-banking-account/",
      "termsUri": "https://www.capricornian.com.au/conditions-of-use/",
      "eligibilityUri": "https://www.capricornian.com.au/banking/i-saver-banking-account/",
      "feesAndPricingUri": "https://www.capricornian.com.au/about-us/product-rate-fee-disclosures/",
      "bundleUri": null,
      "additionalOverviewUris": null,
      "additionalTermsUris": null,
      "additionalEligibilityUris": null,
      "additionalFeesAndPricingUris": null,
      "additionalBundleUris": null
    },
    "applicationUri": "https://www.capricornian.com.au/about-us/contact-us/",
    "brandName": "TCL PM Production",
    "brandGroup": null,
    "cardArt": [],
    "effectiveFrom": "2024-10-31T14:00:00Z",
    "effectiveTo": null,
    "bundles": [],
    "constraints": [],
    "depositRates": [
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0035",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null,
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "tiers": [
          {
            "minimumValue": "5000.00",
            "name": "ISAVER_Tier_2",
            "unitOfMeasure": "DOLLAR",
            "additionalInfo": null,
            "additionalInfoUri": "https://www.capricornian.com.au/banking/i-saver-banking-account/",
            "applicabilityConditions": [],
            "maximumValue": "49999.99",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "applicationType": "PERIODIC",
        "applicabilityConditions": [
          {
            "additionalInfo": "Account to be operated online in order to avoid transaction fees.",
            "additionalInfoUri": null,
            "rateApplicabilityType": "ONLINE_ONLY",
            "additionalValue": null
          }
        ]
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.00",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null,
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "tiers": [
          {
            "minimumValue": "0.00",
            "name": "ISAVER_Tier_1",
            "unitOfMeasure": "DOLLAR",
            "additionalInfo": null,
            "additionalInfoUri": "https://www.capricornian.com.au/banking/i-saver-banking-account/",
            "applicabilityConditions": [],
            "maximumValue": "4999.99",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "applicationType": "PERIODIC",
        "applicabilityConditions": [
          {
            "additionalInfo": "Account to be operated online in order to avoid transaction fees.",
            "additionalInfoUri": null,
            "rateApplicabilityType": "ONLINE_ONLY",
            "additionalValue": null
          }
        ]
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.005",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null,
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "tiers": [
          {
            "minimumValue": "50000.00",
            "name": "ISAVER_Tier_3",
            "unitOfMeasure": "DOLLAR",
            "additionalInfo": null,
            "additionalInfoUri": "https://www.capricornian.com.au/banking/i-saver-banking-account/",
            "applicabilityConditions": [],
            "maximumValue": null,
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "applicationType": "PERIODIC",
        "applicabilityConditions": [
          {
            "additionalInfo": "Account to be operated online in order to avoid transaction fees.",
            "additionalInfoUri": null,
            "rateApplicabilityType": "ONLINE_ONLY",
            "additionalValue": null
          }
        ]
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "You will need to become a member of the Credit Union before we can issue The Capricornian Account and Access Facility to you",
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "Individuals must be citizens or permanent residents of Australia"
      }
    ],
    "features": [
      {
        "featureType": "OFFSET",
        "additionalInfo": "For eligible The Capricornian Ltd, Mortgage Loan products",
        "additionalInfoUri": null,
        "additionalValue": null,
        "isActivated": "UNKNOWN"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Account sweep available\nOur sweep service automatically transfers funds from certain savings accounts to cover most transactions which would otherwise exceed your transaction account's available balance",
        "additionalInfoUri": null,
        "additionalValue": null,
        "isActivated": "UNKNOWN"
      },
      {
        "featureType": "NPP_PAYID",
        "additionalInfo": "An account of this product type can be used as the target of an NPP PayID. Osko by BPAY available",
        "additionalInfoUri": null,
        "additionalValue": null,
        "isActivated": "UNKNOWN"
      },
      {
        "featureType": "NPP_ENABLED",
        "additionalInfo": "An account of this product type can be used to receive funds as a result of a BSB/Number based NPP payment. Osko by BPAY available",
        "additionalInfoUri": null,
        "additionalValue": null,
        "isActivated": "UNKNOWN"
      },
      {
        "featureType": "NOTIFICATIONS",
        "additionalInfo": "SMS and/or email notifications available",
        "additionalInfoUri": null,
        "additionalValue": "Notification via email, SMS or secure message in online banking.",
        "isActivated": "UNKNOWN"
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Online banking and mobile app",
        "additionalInfoUri": null,
        "additionalValue": null,
        "isActivated": "UNKNOWN"
      },
      {
        "featureType": "BILL_PAYMENT",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "BPAY Transaction",
        "isActivated": "UNKNOWN"
      }
    ],
    "fees": [
      {
        "feeType": "TRANSACTION",
        "name": "Direct Debits",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "1.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "TRANSACTION",
        "name": "BPAY",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "1.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "TRANSACTION",
        "name": "External Funds Transfer",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "1.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      }
    ],
    "lendingRates": [],
    "instalments": null
  }
}