{
  "snapshot_at": "2026-11-13T01:40:46Z",
  "brand": "ANZ",
  "brand_slug": "anz",
  "product_id": "9ee28889-8f88-4299-358c-c485bbedd6db",
  "cdr_url": "https://api.anz/cds-au/v1/banking/products/9ee28889-8f88-4299-358c-c485bbedd6db",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://api.anz/cds-au/v1/banking/products/9ee28889-8f88-4299-358c-c485bbedd6db'",
  "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/business/accounts/transaction-accounts/business-essentials/",
      "feesAndPricingUri": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/transaction-accounts-fees-charges.pdf",
      "overviewUri": "https://www.anz.com.au/business/accounts/transaction-accounts/business-essentials/",
      "termsUri": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/business-transaction-accounts-tcs.pdf"
    },
    "applicationUri": "https://applyapp.anz.com/?producttype=bes&schema=sbola&sourcecode_1=ANP",
    "brand": "ANZ",
    "cardArt": [
      {
        "cardScheme": "VISA",
        "cardType": "DEBIT",
        "imageUri": "https://anz.com.au/content/dam/anzcomau/external/images/open-banking/anz-abvd-blue-open-banking.png"
      }
    ],
    "description": "Business Transaction Product with no monthly account servicing fee",
    "isTailored": false,
    "lastUpdated": "2026-11-12T13:03:00.000Z",
    "name": "ANZ Business Essentials",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "productId": "9ee28889-8f88-4299-358c-c485bbedd6db",
    "bundles": [],
    "constraints": [],
    "depositRates": [
      {
        "additionalInfoUri": "https://www.anz.com.au/business/accounts/transaction-accounts/business-essentials/",
        "applicabilityConditions": [],
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "depositRateType": "VARIABLE",
        "rate": "0.00",
        "tiers": [
          {
            "applicabilityConditions": [],
            "maximumValue": "4999.00",
            "minimumValue": "0.00",
            "name": "Balance",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "DOLLAR"
          }
        ]
      },
      {
        "additionalInfoUri": "https://www.anz.com.au/business/accounts/transaction-accounts/business-essentials/",
        "applicabilityConditions": [],
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "depositRateType": "VARIABLE",
        "rate": "0.0001",
        "tiers": [
          {
            "applicabilityConditions": [],
            "minimumValue": "5000.00",
            "name": "Balance",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "DOLLAR"
          }
        ]
      }
    ],
    "eligibility": [
      {
        "additionalInfo": "You must be 18 years of age or older to apply",
        "additionalValue": "18",
        "eligibilityType": "MIN_AGE"
      },
      {
        "additionalInfo": "An Australian business with valid ABN/ACN.",
        "eligibilityType": "BUSINESS"
      },
      {
        "additionalInfo": "You're an owner/director of the Business",
        "eligibilityType": "OTHER"
      }
    ],
    "features": [
      {
        "additionalInfo": "Access using ANZ Internet Banking or ANZ App",
        "additionalInfoUri": "https://www.anz.com.au/business/products/online-banking/?CID=af:obank:bb",
        "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/business-transaction-accounts-tcs.pdf",
        "featureType": "NPP_ENABLED"
      },
      {
        "additionalInfoUri": "https://www.anz.com.au/ways-to-bank/more/bpay/?CID=af:obank:bb",
        "additionalValue": "BPAY",
        "featureType": "BILL_PAYMENT"
      },
      {
        "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"
      },
      {
        "featureType": "FRAUD_PROTECTION"
      },
      {
        "additionalInfo": "Unlimited ANZ ATM and Electronic Transaction\nUnlimited transactions available using ANZ Internet Banking, ANZ Phone Banking, ANZ ATMs, ANZ Business Visa Debit and EFTPOS. Other transactions may also attract fees. Additional fees and charges apply to certain services, such as overseas ATM fees and international transactions.",
        "additionalInfoUri": "https://www.anz.com.au/business/accounts/transaction-accounts/business-essentials/",
        "featureType": "UNLIMITED_TXNS"
      },
      {
        "additionalInfo": "Get an ANZ Business Visa Debit card at no additional cost, so you can use your own money to pay for business expenses in person, online, over the phone or overseas where Visa is accepted. Eligibility criteria and terms and conditions apply",
        "additionalInfoUri": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/business-transaction-accounts-tcs.pdf",
        "additionalValue": "ANZ Business Visa Debit card",
        "featureType": "CARD_ACCESS"
      },
      {
        "additionalInfo": "New ways to pay and get paid\nUse your compatible smartphone or wearable device to tap and pay with ANZ Business Visa Debit card. (Mobile payments available on compatible devices and eligible ANZ cards. View the full list at anz.com/mobilepayments.) \nCreate a PayID® to get paid easily and securely by sharing your mobile, email or ABN or ACN.  (Eligible accounts and payments only – sending and receiving account must be capable of processing faster payments. Technical interruptions may occur and some payments may be delayed e.g. for security screening.)",
        "additionalInfoUri": "https://www.anz.com.au/business/accounts/transaction-accounts/business-essentials/",
        "featureType": "OTHER"
      },
      {
        "additionalInfo": "Incoming payment notifications\nGet notifications for incoming payments in the ANZ App so you know when you've been paid. Set your own payment value threshold to personalise your payment alerts.",
        "additionalInfoUri": "https://www.anz.com.au/business/accounts/transaction-accounts/business-essentials/",
        "featureType": "OTHER"
      }
    ],
    "fees": [
      {
        "additionalInfoUri": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/transaction-accounts-fees-charges.pdf?CID=af:obank:bb",
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "feeType": "TRANSACTION",
        "fixedAmount": {
          "amount": "4.00"
        },
        "name": "Staff Assisted Transaction"
      },
      {
        "additionalInfoUri": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/transaction-accounts-fees-charges.pdf?CID=af:obank:bb",
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "feeType": "TRANSACTION",
        "fixedAmount": {
          "amount": "4.00"
        },
        "name": "Cheque Transaction"
      },
      {
        "additionalInfoUri": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/transaction-accounts-fees-charges.pdf?CID=af:obank:bb",
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "feeType": "TRANSACTION",
        "fixedAmount": {
          "amount": "4.00"
        },
        "name": "Manual Merchant Deposit"
      },
      {
        "additionalInfoUri": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/transaction-accounts-fees-charges.pdf",
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "feeType": "TRANSACTION",
        "fixedAmount": {
          "amount": "0.00"
        },
        "name": "ANZ ATM Transaction"
      },
      {
        "additionalInfoUri": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/transaction-accounts-fees-charges.pdf",
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "feeType": "TRANSACTION",
        "fixedAmount": {
          "amount": "0.00"
        },
        "name": "Electronic Transaction"
      },
      {
        "additionalInfoUri": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/transaction-accounts-fees-charges.pdf",
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "feeType": "EVENT",
        "fixedAmount": {
          "amount": "80.00"
        },
        "name": "Arrangement to Cash ANZ Cheques - Establishment Fee"
      },
      {
        "additionalInfoUri": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/transaction-accounts-fees-charges.pdf",
        "additionalValue": "P1M",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "feeType": "PERIODIC",
        "fixedAmount": {
          "amount": "10.00"
        },
        "name": "Arrangement to Cash ANZ Cheques - Renewal"
      },
      {
        "additionalInfoUri": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/transaction-accounts-fees-charges.pdf",
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "feeType": "EVENT",
        "fixedAmount": {
          "amount": "80.00"
        },
        "name": "Automatic Funds Transfer - for Each Subsidiary Account - Establishment Fee"
      },
      {
        "additionalInfo": "Cheques reported stolen are exempt from this fee when a copy of the police report is provided\"",
        "additionalInfoUri": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/transaction-accounts-fees-charges.pdf",
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "feeType": "EVENT",
        "fixedAmount": {
          "amount": "15.00"
        },
        "name": "Stop Payment Fee"
      },
      {
        "additionalInfo": "50 deposit slips  per book",
        "additionalInfoUri": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-business-general-service-fees-charges.pdf",
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "feeType": "EVENT",
        "fixedAmount": {
          "amount": "4.00"
        },
        "name": "Agent Deposit Books"
      },
      {
        "additionalInfo": "100 deposit slips per book",
        "additionalInfoUri": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-business-general-service-fees-charges.pdf",
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "feeType": "EVENT",
        "fixedAmount": {
          "amount": "6.00"
        },
        "name": "Agent Deposit Books"
      },
      {
        "additionalInfoUri": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-business-general-service-fees-charges.pdf",
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "feeType": "EVENT",
        "fixedAmount": {
          "amount": "10.00"
        },
        "name": "Bank Cheque via ANZ Branch Network"
      },
      {
        "additionalInfoUri": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-business-general-service-fees-charges.pdf",
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "feeType": "EVENT",
        "fixedAmount": {
          "amount": "25.00"
        },
        "name": "Repurchase of ANZ customer’s Bank Cheque"
      },
      {
        "additionalInfo": "Each item  plus transfer fee where applicable",
        "additionalInfoUri": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-business-general-service-fees-charges.pdf",
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "feeType": "EVENT",
        "fixedAmount": {
          "amount": "3.50"
        },
        "name": "Payment from List"
      },
      {
        "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/transaction-accounts-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/transaction-accounts-fees-charges.pdf",
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "rateBased",
        "feeType": "TRANSACTION",
        "name": "Overseas Transaction Fee",
        "rateBased": {
          "rate": "0.03",
          "rateType": "TRANSACTION"
        }
      },
      {
        "additionalInfo": "Debited to your account for determining whether to process a debit to your account using the Informal Overdraft facility, where that debit is declined as a result of our credit criteria not being satisfied.",
        "additionalInfoUri": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/transaction-accounts-fees-charges.pdf",
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "feeType": "DISHONOUR",
        "fixedAmount": {
          "amount": "37.70"
        },
        "name": "Outward Dishonour Fee"
      },
      {
        "additionalInfo": "Replacement of lost/stolen Bank Cheque (ANZ may require appropriate indemnity)",
        "additionalInfoUri": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-business-general-service-fees-charges.pdf",
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "feeType": "REPLACEMENT",
        "fixedAmount": {
          "amount": "32.50"
        },
        "name": "Replacement of lost/stolen Bank Cheque"
      },
      {
        "additionalInfo": "Debited to your account for processing a debit using the Informal Overdraft facility, where the outstanding balance of your Informal Overdraft facility is more than $50 after processing.",
        "additionalInfoUri": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/transaction-accounts-fees-charges.pdf",
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "feeType": "EVENT",
        "fixedAmount": {
          "amount": "37.70"
        },
        "name": "Honour 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": []
      }
    ]
  }
}