Configure lending rate application types

Every lending rate (and deposit rate) on a product has an application type — the approach used to apply the rate to the account. Setting it correctly matters: in Australia (CDR), product reference data is publicly available, and data recipients and comparison services rely on it being accurate.

The application types

The applicationType field on a rate accepts three values:

• UPFRONT — the rate is applied once, up front, rather than on an ongoing schedule. Typical for one-off or introductory applications of a rate.
• PERIODIC — the rate is applied on a recurring schedule. Pair it with applicationFrequency (how often interest is applied) and calculationFrequency (how often it's calculated).
• MATURITY — the rate is applied when the product reaches maturity.

Rates can also carry applicabilityConditions describing when the rate applies (for example, minimum deposits or online-only), with additionalInfo display text.

Set the application type

1. Open Product Portal in the Fiskil Console and edit the product.
2. In the Rates section, set each rate's application type to match how the rate actually applies to the account.
3. Save and submit the change for approval. Updates only reach your public API after they're approved — see Product changes need re-approval.

Check what your API returns

Use the Test API button in Product Portal to call Get Product Detail and inspect the JSON response — rates, fees, and features are included. Test against Staging to verify a pending change, or Production to confirm what's being served publicly. See Testing your Products API.

For the full rate schema, see the Products API reference.