{
  "snapshot_at": "2026-10-22T13:24:03Z",
  "brand": "Auswide Bank Ltd",
  "brand_slug": "auswide-bank-ltd",
  "product_id": "6a57ef7d-c05c-4177-8dbb-9e0ce5f55d5f",
  "cdr_url": "https://api.auswidebank.com.au/openbanking/cds-au/v1/banking/products/6a57ef7d-c05c-4177-8dbb-9e0ce5f55d5f",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://api.auswidebank.com.au/openbanking/cds-au/v1/banking/products/6a57ef7d-c05c-4177-8dbb-9e0ce5f55d5f'",
  "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": {
    "features": [
      {
        "featureType": "CARD_ACCESS",
        "additionalValue": "Visa Debit Card",
        "additionalInfo": "Full Access Card - 16 years and older"
      },
      {
        "featureType": "CARD_ACCESS",
        "additionalValue": "Visa Debit Card",
        "additionalInfo": "Limited Accesss Card - 11 years and older"
      },
      {
        "featureType": "BILL_PAYMENT",
        "additionalValue": "BPAY"
      },
      {
        "featureType": "DIGITAL_BANKING"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Up to 99 Sub Accounts"
      },
      {
        "featureType": "NPP_ENABLED"
      },
      {
        "featureType": "NPP_PAYID"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "NATURAL_PERSON",
        "additionalInfo": "Available for personal use only"
      }
    ],
    "fees": [
      {
        "name": "BRANCH_CASH_DEPOSIT_FEE",
        "feeType": "DEPOSIT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "2.50"
        },
        "currency": "AUD",
        "additionalInfo": "Payble when you deposit cash over the counter at an Auswide Bank branch/agency",
        "additionalInfoUri": "https://auswidebank.com.au/help/resources/fees-and-charges/"
      },
      {
        "name": "BRANCH_CASH_WITHDRAWAL_FEE",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "2.50"
        },
        "currency": "AUD",
        "additionalInfo": "Payable when you withdraw cash over the counter at an Auswide Bank branch/agency",
        "additionalInfoUri": "https://auswidebank.com.au/help/resources/fees-and-charges/"
      },
      {
        "name": "BRANCH_INTERNAL_TRANSFER_FEE",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "2.50"
        },
        "currency": "AUD",
        "additionalInfo": "Payable when you request us to process a transfer to another internal account over the counter at an Auswide Bank branch/agency",
        "additionalInfoUri": "https://auswidebank.com.au/help/resources/fees-and-charges/"
      },
      {
        "name": "BRANCH_CHEQUE_DEPOSIT_FEE",
        "feeType": "DEPOSIT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "2.50"
        },
        "currency": "AUD",
        "additionalInfo": "Payable when you deposit a cheque over the counter at an Auswide Bank branch/agency",
        "additionalInfoUri": "https://auswidebank.com.au/help/resources/fees-and-charges/"
      },
      {
        "name": "RTGS_OUTWARD_PAYMENT_FEE",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "currency": "AUD",
        "additionalInfo": "Payable each time you request a high value, time critical payment from your account to another financial institution on a real time basis for    same day    payment",
        "additionalInfoUri": "https://auswidebank.com.au/help/resources/fees-and-charges/"
      },
      {
        "name": "TELEGPRAPHIC_TRANSFER_FEE",
        "feeType": "PAYMENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "50.00"
        },
        "currency": "AUD",
        "additionalInfo": "$AU cuurency $50 per transfer OR foreign currency $30 per transfer. Payable each time you request an electronic transmission of funds to an account at an overseas bank.",
        "additionalInfoUri": "https://auswidebank.com.au/help/resources/fees-and-charges/"
      },
      {
        "name": "ATM_DIRECT_CHARGE_FEE",
        "feeType": "CASH_ADVANCE",
        "feeMethodUType": "variable",
        "variable": {},
        "currency": "AUD",
        "additionalInfo": "Direct charge fee is levied by the ATM owner. May be payable to the ATM owner when using your card to withdraw or check your balance at a non-Auswide Bank ATM network ATM.",
        "additionalInfoUri": "https://auswidebank.com.au/help/resources/fees-and-charges/"
      },
      {
        "name": "FOREIGN_ATM_WITHDRAWAL_FEE",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "currency": "AUD",
        "additionalInfo": "Plus 3% Currency Conversion Fee. Payable when you use your Visa Debit Card at any oversas ATM to withdraw from your account",
        "additionalInfoUri": "https://auswidebank.com.au/help/resources/fees-and-charges/"
      },
      {
        "name": "CURRENCY_CONVERSION_FEE",
        "feeType": "TRANSACTION",
        "feeMethodUType": "rateBased",
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.03"
        },
        "currency": "AUD",
        "additionalInfo": "Payable when you use your card to pay for purchases or withdraw cash at overseas retail outlets or overseas ATM",
        "additionalInfoUri": "https://auswidebank.com.au/help/resources/fees-and-charges/"
      },
      {
        "name": "STATEMENT_FEE",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "2.00"
        },
        "currency": "AUD",
        "additionalValue": "P1M",
        "additionalInfo": "Payable when we issue you with a paper statement of your account",
        "additionalInfoUri": "https://auswidebank.com.au/help/resources/fees-and-charges/"
      },
      {
        "name": "ADDITIONAL_STATEMENT_FEE_-_INSTANT_ACCESS_ACCOUNT",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "2.00"
        },
        "currency": "AUD",
        "additionalInfo": "Payable when you request us to issue you an additional statement of account",
        "additionalInfoUri": "https://auswidebank.com.au/help/resources/fees-and-charges/"
      },
      {
        "name": "DISHONOUR_FEE_-_DIRECT_DEBIT_AND_EXTERNAL_PAYMENT",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "15.00"
        },
        "currency": "AUD",
        "additionalInfo": "Charged per rejection. Payable when you've arranged a direct debit payment or external payment to an account at another financial institution but there are insufficient clear funds in your account",
        "additionalInfoUri": "https://auswidebank.com.au/help/resources/fees-and-charges/"
      }
    ],
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "productId": "6a57ef7d-c05c-4177-8dbb-9e0ce5f55d5f",
    "lastUpdated": "2026-07-01T10:48:16.000+10:00",
    "name": "INSTANT ACCESS ACCOUNT",
    "description": "An everyday transaction account with no monthly fee and some transaction fees",
    "brand": "A-Auswide Bank",
    "brandName": "A-Auswide Bank",
    "applicationUri": "https://apply.auswidebank.com.au/apply/#/apply/new/depositAccounts/productSelection",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://auswidebank.com.au/banking/everyday-accounts/instant-access-account/",
      "termsUri": "https://auswidebank.com.au/help/resources/terms-and-conditions/",
      "eligibilityUri": "https://auswidebank.com.au/help/resources/terms-and-conditions/",
      "feesAndPricingUri": "https://auswidebank.com.au/help/resources/fees-and-charges/"
    }
  }
}