{
  "snapshot_at": "2026-10-22T13:24:03Z",
  "brand": "Australian Mutual Bank LTD",
  "brand_slug": "australian-mutual-bank-ltd",
  "product_id": "15360d80-4521-11f1-bb7b-325096b39f47",
  "cdr_url": "https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/15360d80-4521-11f1-bb7b-325096b39f47",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/15360d80-4521-11f1-bb7b-325096b39f47'",
  "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": {
    "productId": "15360d80-4521-11f1-bb7b-325096b39f47",
    "lastUpdated": "2026-09-09T14:58:05.000+10:00",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "name": "Everyday Business Account",
    "description": "An easy and efficient way to manage your business.",
    "brand": "AMB",
    "brandName": "Australian Mutual Bank",
    "applicationUri": "https://australianmutual.bank/business/accounts/premier-business-account/",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://australianmutual.bank/business/accounts/premier-business-account/",
      "termsUri": "https://australianmutual.bank/about-us/disclosures-and-reports/",
      "eligibilityUri": "https://australianmutual.bank/business/accounts/premier-business-account/",
      "feesAndPricingUri": "https://australianmutual.bank/media/4629/ambl_feeschargesandtransactionlimits_25-nov25.pdf"
    },
    "cardArt": [
      {
        "cardScheme": "VISA",
        "cardType": "DEBIT",
        "title": "Visa Debit",
        "imageUri": "https://www.tmbank.com.au/content/dam/channels/websites/common-assets/open-banking/amb-mozo.jpg"
      }
    ],
    "features": [
      {
        "featureType": "CARD_ACCESS",
        "additionalValue": "Visa Debit with payWave (amb have Visa Debit Card)",
        "additionalInfo": "Link to a Visa Debit Card at any time."
      },
      {
        "featureType": "ADDITIONAL_CARDS",
        "additionalInfo": "Add additional cards at any time"
      },
      {
        "featureType": "UNLIMITED_TXNS"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Apple Pay",
        "additionalInfo": "Tap and Pay with your phone using Apple Pay, Google Pay, Samsung Pay, Garmin Pay or Fit Bit Pay it's easy."
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Google Pay",
        "additionalInfo": "Tap and Pay with your phone using Apple Pay, Google Pay, Samsung Pay, Garmin Pay or Fit Bit Pay it's easy."
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Samsung Pay",
        "additionalInfo": "Tap and Pay with your phone using Apple Pay, Google Pay, Samsung Pay, Garmin Pay or Fit Bit Pay it's easy."
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Check your accounts and transact online 24/7"
      },
      {
        "featureType": "NPP_PAYID",
        "additionalInfo": "Link your payID to make instant payments"
      },
      {
        "featureType": "NPP_ENABLED",
        "additionalInfo": "Make instant payments from your account via Osko."
      },
      {
        "featureType": "BILL_PAYMENT",
        "additionalValue": "BPAY",
        "additionalInfo": "Pay all those tiresome bills in one hit - via Internet banking"
      },
      {
        "featureType": "NOTIFICATIONS",
        "additionalValue": "Track payments with SMS and email alerts"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Make deposits and withdrawals through a Bank@Post facility at Australia Post outlets. For full details refer to our Conditions of Use. Fees and charges apply"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Membership is open to everyone. Visit our website for more details.",
        "additionalInfoUri": "https://australianmutual.bank/business/accounts/premier-business-account/"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "Individuals must be citizens or permanent residents of Australia."
      },
      {
        "eligibilityType": "BUSINESS",
        "additionalInfo": "Only business clients may apply for the account"
      }
    ],
    "fees": [
      {
        "name": "CASH_ADVANCES_FEE",
        "feeType": "CASH_ADVANCE",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "4.00"
        },
        "currency": "AUD",
        "additionalInfo": "Visa Debit and Visa Credit card cash advances at other financial institutions in Australia and overseas. Individual bank branches may not offer this service and may charge additional fees (at cost)."
      },
      {
        "name": "INTERNATIONAL_CONVERSION_FEE",
        "feeType": "TRANSACTION",
        "feeMethodUType": "rateBased",
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.029"
        },
        "currency": "AUD",
        "additionalInfo": "2.90% of transaction value in $AUD collected by Cuscal Limited - 0.90% paid to Us; 1.00% retained by Cuscal; 1.00% paid to Visa International. Payable when you transact in a foreign currency using your Visa card either online or at a merchant point of sale (irrespective of where the transaction occurs; performed not in Australian Dollar; or overseas merchants transact in a foreign currency.)"
      },
      {
        "name": "TELE_TRANSFER",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "13.00"
        },
        "currency": "AUD",
        "additionalInfo": "Tele transfer within Australia to an account at another financial institution."
      },
      {
        "name": "COMPANY_SEARCH",
        "feeType": "UPFRONT",
        "feeMethodUType": "variable",
        "variable": {
          "feeMinimum": "0.00",
          "feeMaximum": "9999999.00"
        },
        "currency": "AUD",
        "additionalInfo": "Company Search (included at account opening)"
      },
      {
        "name": "ATM_WITHDRAWAL_OVERSEAS",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "4.50"
        },
        "currency": "AUD"
      }
    ],
    "depositRates": [
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "Everyday Business Account_Tier_1",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "0.00",
            "maximumValue": "4999.99",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ]
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "Everyday Business Account_Tier_2",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "5000.00",
            "maximumValue": "9999.99",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ]
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0001",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "Everyday Business Account_Tier_3",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "10000.00",
            "maximumValue": "24999.99",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ]
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0001",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "Everyday Business Account_Tier_4",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "25000.00",
            "maximumValue": "49999.99",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ]
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0001",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "Everyday Business Account_Tier_5",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "50000.00",
            "maximumValue": "99999.99",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ]
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0001",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "Everyday Business Account_Tier_6",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "100000.00",
            "maximumValue": "249999.99",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ]
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0001",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "Everyday Business Account_Tier_7",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "250000.00",
            "maximumValue": "499999.99",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ]
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0001",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "Everyday Business Account_Tier_8",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "500000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ]
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.1451",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "OTHER",
        "loanPurpose": "OTHER",
        "additionalInfo": "Unsecured Commercial Overdraft Interest rate"
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0805",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "OTHER",
        "loanPurpose": "OTHER",
        "additionalInfo": "Secured Commercial Overdraft Interest rate"
      }
    ]
  }
}