{
  "snapshot_at": "2026-11-13T01:40:46Z",
  "brand": "ANZ",
  "brand_slug": "anz",
  "product_id": "5eb62ffc-51f0-6ac0-2abf-d81b260ee260",
  "cdr_url": "https://api.anz/cds-au/v1/banking/products/5eb62ffc-51f0-6ac0-2abf-d81b260ee260",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://api.anz/cds-au/v1/banking/products/5eb62ffc-51f0-6ac0-2abf-d81b260ee260'",
  "note": "Verbatim `data` object of the bank's CDR product detail response, as fetched. The live endpoint needs the x-v header shown in how_to_fetch and will not open in a browser.",
  "data": {
    "additionalInformation": {
      "eligibilityUri": "https://www.anz.com.au/personal/bank-accounts/everyday-accounts/access-advantage/",
      "feesAndPricingUri": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/personal-account-fees-charges.pdf",
      "overviewUri": "https://www.anz.com.au/personal/bank-accounts/everyday-accounts/access-advantage/",
      "termsUri": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/saving-transaction-products-tcs.pdf"
    },
    "applicationUri": "https://applyapp.anz.com/?producttype=aa&sourcecode_1=QMV&schema=sola",
    "brand": "ANZ",
    "cardArt": [
      {
        "cardScheme": "VISA",
        "cardType": "DEBIT",
        "imageUri": "https://www.anz.com.au/content/dam/scfe/external/app/cards/Debit_ANZ_Access_Visa_Debit_Blue.png",
        "title": "ANZ Access Visa Debit Card"
      }
    ],
    "description": "An everyday account with easy and secure banking, unlimited ANZ Transactions and Visa Debit card",
    "isTailored": false,
    "lastUpdated": "2026-11-12T13:03:00.000Z",
    "name": "ANZ Access Advantage",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "productId": "5eb62ffc-51f0-6ac0-2abf-d81b260ee260",
    "bundles": [],
    "constraints": [],
    "depositRates": [],
    "eligibility": [
      {
        "additionalInfo": "You must be 12 years of age or older to apply",
        "additionalValue": "12",
        "eligibilityType": "MIN_AGE"
      },
      {
        "additionalValue": "You must be an Australian resident with an Australian residential and mailing address.",
        "eligibilityType": "RESIDENCY_STATUS"
      }
    ],
    "features": [
      {
        "additionalValue": "ANZ Visa Debit card",
        "featureType": "CARD_ACCESS"
      },
      {
        "additionalInfo": "Access using ANZ Internet Banking or ANZ App",
        "additionalInfoUri": "https://www.anz.com.au/support/online-banking/",
        "featureType": "DIGITAL_BANKING"
      },
      {
        "additionalInfoUri": "https://www.anz.com.au/support/online-banking/payments/pay-id/",
        "featureType": "NPP_PAYID"
      },
      {
        "additionalInfoUri": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/saving-transaction-products-tcs.pdf",
        "featureType": "NPP_ENABLED"
      },
      {
        "additionalInfoUri": "https://www.anz.com.au/ways-to-bank/digital-wallets/apple-pay/",
        "additionalValue": "Apple Pay",
        "featureType": "DIGITAL_WALLET"
      },
      {
        "additionalInfoUri": "https://www.anz.com.au/ways-to-bank/digital-wallets/google-pay/",
        "additionalValue": "Google Pay",
        "featureType": "DIGITAL_WALLET"
      },
      {
        "additionalInfoUri": "https://www.anz.com.au/ways-to-bank/digital-wallets/samsung-pay/",
        "additionalValue": "Samsung Pay",
        "featureType": "DIGITAL_WALLET"
      },
      {
        "additionalInfoUri": "https://www.anz.com.au/ways-to-bank/digital-wallets/",
        "additionalValue": "Fitbit Pay",
        "featureType": "DIGITAL_WALLET"
      },
      {
        "additionalInfoUri": "https://www.anz.com.au/ways-to-bank/digital-wallets/garmin-pay/",
        "additionalValue": "Garmin Pay",
        "featureType": "DIGITAL_WALLET"
      },
      {
        "additionalInfoUri": "https://www.anz.com.au/ways-to-bank/more/bpay/",
        "additionalValue": "BPAY",
        "featureType": "BILL_PAYMENT"
      },
      {
        "additionalInfo": "Unlimited ANZ transactions available using ANZ Internet Banking, ANZ Phone Banking, ANZ ATMs, ANZ Access Visa Debit Card and EFTPOS. Also includes any deposit, withdrawal or transfer at ANZ branches, cheques drawn by you and any cheque or manual merchant slip deposited to your account.",
        "additionalInfoUri": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/personal-account-fees-charges.pdf",
        "featureType": "UNLIMITED_TXNS"
      },
      {
        "featureType": "FRAUD_PROTECTION"
      },
      {
        "additionalInfoUri": "https://www.anz.com.au/personal/ways-to-bank/more/pay-to/",
        "additionalValue": "PayTo",
        "featureType": "BILL_PAYMENT"
      },
      {
        "additionalInfo": "Do more with your banking\nYou can easily set up mobile payment on your compatible devices with your eligible ANZ cards so you can tap and pay on the go or make faster payments using PayID.",
        "additionalInfoUri": "https://www.anz.com.au/personal/bank-accounts/everyday-accounts/access-advantage/",
        "featureType": "OTHER"
      },
      {
        "additionalInfo": "Create a PayID® on your eligible account (PDF) using your mobile phone, email or ABN/ACN (if eligible). With PayID, it's easier to receive payments or set up a PayTo agreement by sharing your PayID instead of your BSB and account number.",
        "additionalInfoUri": "https://www.anz.com.au/support/online-banking/payments/pay-id/",
        "featureType": "NPP_PAYID"
      },
      {
        "additionalInfo": "Take care of the day to day with the ANZ App\nDownload the ANZ App for iPhone or Android and view, make or schedule payments and transfers, temporarily block and unblock your card change your profile details, set a savings goal and so much more",
        "additionalInfoUri": "https://www.anz.com.au/personal/bank-accounts/everyday-accounts/access-advantage/",
        "featureType": "OTHER"
      }
    ],
    "fees": [
      {
        "additionalInfo": "No monthly account service fee if you deposit at least $2,000 by the last business day of the month, are under 25 or meet other eligibility criteria",
        "additionalInfoUri": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/personal-account-fees-charges.pdf?CID=af:obank:tv",
        "additionalValue": "P1M",
        "currency": "AUD",
        "discounts": [
          {
            "additionalInfo": "Account holders may apply to waive the monthly account service fee on one nominated ANZ Access Advantage account if you meet the eligibility criteria",
            "description": "Account Service waiver",
            "discountMethodUType": "fixedAmount",
            "discountType": "ELIGIBILITY_ONLY",
            "eligibility": [
              {
                "additionalInfo": "Receive a disability support pension or mobility allowance from Centrelink",
                "additionalValue": "Receive a disability support pension or mobility allowance from Centrelink",
                "discountEligibilityType": "PENSION_RECIPIENT"
              },
              {
                "additionalInfo": "Over 60 years of age",
                "additionalValue": "60",
                "discountEligibilityType": "MIN_AGE"
              },
              {
                "additionalInfo": "Under 25 years of age",
                "additionalValue": "25",
                "discountEligibilityType": "MAX_AGE"
              },
              {
                "additionalInfo": "A full-time student at an Australian educational institution",
                "additionalValue": "A full-time student at an Australian educational institution",
                "discountEligibilityType": "STUDENT"
              },
              {
                "additionalInfo": "Deposit $2,000 or more by the last business day of the calendar month. You must satisfy this requirement to be eligible for the waiver in a particular month.",
                "discountEligibilityType": "OTHER"
              },
              {
                "additionalInfo": "You have an eligible ANZ Home Loan, or ANZ Residential Investment Loan and have your wages or salary paid into your ANZ account. Loans not eligible include ANZ Simplicity PLUS and ANZ Interest-in-Advance Residential Investment Loans.",
                "discountEligibilityType": "OTHER"
              },
              {
                "additionalInfo": "You have a total of $50,000 or more in one or more of the following personal accounts – ANZ Access Advantage, ANZ Passbook Savings, ANZ Premium Cash Management, ANZ Progress Saver, an ANZ Term deposit, ANZ Online Saver or ANZ V2 PLUS (this does not include ANZ V2 PLUS accounts opened through approved ANZ intermediaries or ANZ V2+Broking accounts).",
                "discountEligibilityType": "OTHER"
              }
            ],
            "fixedAmount": {
              "amount": "5.00"
            }
          }
        ],
        "feeMethodUType": "fixedAmount",
        "feeType": "PERIODIC",
        "fixedAmount": {
          "amount": "5.00"
        },
        "name": "Account Service"
      },
      {
        "additionalInfo": "Providing bank cheques (Australian dollars only) This is a charge for issuing a bank cheque to an ANZ account holder.",
        "additionalInfoUri": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/personal-banking-general-fees-charges.pdf",
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "feeType": "EVENT",
        "fixedAmount": {
          "amount": "10.00"
        },
        "name": "Bank Cheque Request at ANZ Branch"
      },
      {
        "additionalInfoUri": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/personal-banking-general-fees-charges.pdf",
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "feeType": "EVENT",
        "fixedAmount": {
          "amount": "28.00"
        },
        "name": "Telegraphic transfer within Australia from your ANZ account to another account"
      },
      {
        "additionalInfoUri": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/personal-banking-general-fees-charges.pdf",
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "feeType": "EVENT",
        "fixedAmount": {
          "amount": "25.00"
        },
        "name": "Bank Cheque Repurchase Fee"
      },
      {
        "additionalInfoUri": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/personal-banking-general-fees-charges.pdf",
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "feeType": "EVENT",
        "fixedAmount": {
          "amount": "32.50"
        },
        "name": "Replacement for lost or stolen bank cheque"
      },
      {
        "additionalInfo": "Applicable for a withdrawal from a non-ANZ ATM outside Australia (per withdrawal), and debited to your account at the same time as the withdrawal is debited",
        "additionalInfoUri": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/personal-account-fees-charges.pdf",
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "feeType": "TRANSACTION",
        "fixedAmount": {
          "amount": "5.00"
        },
        "name": "Overseas ATM Transaction Fee"
      },
      {
        "additionalInfo": "ANZ will charge 3% of the value of any International Transaction charged or credited to an ANZ account.",
        "additionalInfoUri": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/personal-account-fees-charges.pdf",
        "discounts": [],
        "feeMethodUType": "rateBased",
        "feeType": "TRANSACTION",
        "name": "Overseas Transaction Fee",
        "rateBased": {
          "rate": "0.03",
          "rateType": "TRANSACTION"
        }
      },
      {
        "additionalInfo": "Debited to your account on the day of the dishonour for determining whether to process a debit to your account using the Informal Overdraft facility, where that debit is declined. A Dishonour Fee is only debited when the payment from your account that is declined was attempted via cheque or direct debit",
        "additionalInfoUri": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/personal-account-fees-charges.pdf",
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "feeType": "DISHONOUR",
        "fixedAmount": {
          "amount": "6.00"
        },
        "name": "Dishonour Fee"
      }
    ],
    "lendingRates": [
      {
        "additionalValue": "Retail Index Rate +  8.5%",
        "applicabilityConditions": [],
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "PENALTY",
        "loanPurpose": "OTHER",
        "rate": "0.212",
        "repaymentType": "OTHER",
        "tiers": []
      }
    ]
  }
}