{ "snapshot_at": "2026-10-22T13:24:02Z", "brand": "ANZ", "brand_slug": "anz", "product_id": "dbc12167-d706-13e3-14bd-190a25356ddb", "cdr_url": "https://api.anz/cds-au/v1/banking/products/dbc12167-d706-13e3-14bd-190a25356ddb", "x_v": 7, "how_to_fetch": "curl -H 'x-v: 7' 'https://api.anz/cds-au/v1/banking/products/dbc12167-d706-13e3-14bd-190a25356ddb'", "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-basic/#apply", "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-basic/", "termsUri": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/saving-transaction-products-tcs.pdf" }, "applicationUri": "https://www.anz.com.au/personal/bank-accounts/everyday-accounts/access-basic/#apply", "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": "Offers affordable and convenient banking for Concession and Health Care card holders.", "isTailored": false, "lastUpdated": "2026-10-02T03:00:00.000Z", "name": "ANZ Access Basic", "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS", "productId": "dbc12167-d706-13e3-14bd-190a25356ddb", "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" }, { "additionalInfo": "Eligible Concession and Health Care cards include: Seniors Concession card Pensioner Concession card Centrelink Health Care card Repatriation Health card (Department of Veterans' Affairs)", "additionalValue": "Eligible Concession and Health Care cards include: Seniors Concession card Pensioner Concession card Centrelink Health Care card Repatriation Health card (Department of Veterans' Affairs)", "eligibilityType": "PENSION_RECIPIENT" }, { "additionalInfo": "The customer must be a natural person rather than another legal entity.", "eligibilityType": "NATURAL_PERSON" } ], "features": [ { "additionalInfo": "Access using ANZ Internet Banking or ANZ App", "additionalInfoUri": "https://www.anz.com.au/support/online-banking/", "featureType": "DIGITAL_BANKING" }, { "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" }, { "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/support/online-banking/payments/bpay/", "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" }, { "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" }, { "additionalInfo": "Pay no monthly account service fee. Access your money whenever you need it with unlimited ANZ Transactions. Bank 24/7 with ANZ ATMs, EFTPOS, ANZ Internet Banking, ANZ App and ANZ Phone Banking.", "additionalInfoUri": "https://www.anz.com.au/personal/bank-accounts/everyday-accounts/access-basic/", "featureType": "OTHER" }, { "additionalInfoUri": "https://www.anz.com.au/personal/bank-accounts/everyday-accounts/access-basic/", "additionalValue": "ANZ Visa Debit card", "featureType": "CARD_ACCESS" }, { "additionalInfo": "Tap & Pay\nSet up mobile payment on your compatible devices with eligible ANZ cards so you can tap and pay.", "additionalInfoUri": "https://www.anz.com.au/personal/bank-accounts/everyday-accounts/access-basic/", "featureType": "OTHER" }, { "additionalInfoUri": "https://www.anz.com.au/personal/ways-to-bank/more/pay-to/", "additionalValue": "PayTo", "featureType": "BILL_PAYMENT" } ], "fees": [ { "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", "currency": "AUD", "discounts": [], "feeMethodUType": "rateBased", "feeType": "TRANSACTION", "name": "Overseas Transaction Fee", "rateBased": { "rate": "0.03", "rateType": "TRANSACTION" } }, { "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" } ], "lendingRates": [] } }