{
  "snapshot_at": "2026-10-22T13:24:05Z",
  "brand": "Bank Australia",
  "brand_slug": "bank-australia",
  "product_id": "2c4feb40-55f1-4b95-bec4-4e78ec0d530f",
  "cdr_url": "https://public.cdr.bankaust.com.au/cds-au/v1/banking/products/2c4feb40-55f1-4b95-bec4-4e78ec0d530f",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://public.cdr.bankaust.com.au/cds-au/v1/banking/products/2c4feb40-55f1-4b95-bec4-4e78ec0d530f'",
  "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.bankaust.com.au/business/commercial-access/",
      "feesAndPricingUri": "https://cdn.bfldr.com/1R31Y8GR/as/ttcjnnjsvnsm9k5gx5qpmwbp/Fees_charges_and_transaction_limits",
      "overviewUri": "https://www.bankaust.com.au/business/commercial-access/",
      "termsUri": "https://www.bankaust.com.au/support/disclosures"
    },
    "applicationUri": "https://www.bankaust.com.au/support/business-account-forms-and-checklists",
    "brand": "Bank Australia",
    "description": "Business transaction account for companies, SMEs and sole traders.",
    "effectiveFrom": "2001-07-02T14:30:00.000Z",
    "isTailored": false,
    "lastUpdated": "2026-07-03T01:22:55.208Z",
    "name": "Commercial Access",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "productId": "2c4feb40-55f1-4b95-bec4-4e78ec0d530f",
    "fees": [
      {
        "name": "Visa emergency card/cash overseas fee",
        "additionalInfo": "A fee charged when you need an emergency replacement card or cash delivered to you on an urgent basis to an address overseas.",
        "currency": "USD",
        "fixedAmount": {
          "amount": "175.00"
        },
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount"
      },
      {
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.03"
        },
        "name": "International transaction fee (ITF)",
        "additionalInfo": "When you undertake an International transaction on a Bank Australia Visa Debit Card you will be charged the fee. An International transaction is any purchase, withdrawal or credit in a currency other than Australian Dollars or where the merchant or financial institution accepting the transaction is outside of Australia or where there is a currency conversion.",
        "currency": "AUD",
        "feeType": "TRANSACTION",
        "feeMethodUType": "rateBased"
      },
      {
        "name": "Dishonour Fee",
        "additionalInfo": "A fee charged where a debit presented to us is dishonoured because there aren't enough available funds in your account.",
        "currency": "AUD",
        "fixedAmount": {
          "amount": "0.00"
        },
        "feeType": "DISHONOUR",
        "feeMethodUType": "fixedAmount"
      },
      {
        "name": "Domestic (\"press credit\") cash withdrawal fee",
        "additionalInfo": "A fee that applies to any cash withdrawal transaction within Australia made using the \"credit\" option on a Bank Australia Visa Debit card.",
        "currency": "AUD",
        "fixedAmount": {
          "amount": "0.00"
        },
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "fixedAmount"
      },
      {
        "name": "Visa foreign cash withdrawal fee",
        "additionalInfo": "A fee that applies to any cash withdrawal transaction made with your Bank Australia Visa Debit Card outside Australia.",
        "currency": "AUD",
        "fixedAmount": {
          "amount": "0.00"
        },
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "fixedAmount"
      },
      {
        "discounts": [
          {
            "additionalInfo": "Waived if you have a Offset loan or Clean Energy loan in the same name.",
            "discountMethodUType": "fixedAmount",
            "description": "Fee waiver",
            "eligibility": [
              {
                "additionalInfo": "Waived if you have a Offset loan or Clean Energy loan in the same name.",
                "discountEligibilityType": "OTHER"
              }
            ],
            "discountType": "ELIGIBILITY_ONLY",
            "fixedAmount": {
              "amount": "8.00"
            }
          }
        ],
        "name": "Commercial Access Monthly Account Fee",
        "additionalInfo": "A flat fee payable on the last day of each month.",
        "currency": "AUD",
        "additionalValue": "P1M",
        "fixedAmount": {
          "amount": "8.00"
        },
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount"
      },
      {
        "name": "Exceeding available funds fee",
        "additionalInfo": "A fee charged when you exceed the actual balance or authorised limit of your savings account, transaction account, or overdraft facility greater than $100 payable on the day the event occurs or next day.",
        "currency": "AUD",
        "fixedAmount": {
          "amount": "0.00"
        },
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount"
      },
      {
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.1239"
        },
        "discounts": [],
        "name": "Debit interest charge rate",
        "additionalInfo": "Additional interest charged on overdrawn account.",
        "currency": "AUD",
        "feeType": "EVENT",
        "feeMethodUType": "rateBased"
      },
      {
        "name": "Staff assisted withdrawal fee",
        "additionalInfo": "A fee charged for taking money out of your account with the assistance of a staff member, charged on the day the service is provided.",
        "currency": "AUD",
        "fixedAmount": {
          "amount": "0.00"
        },
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount"
      },
      {
        "name": "Company/business name searches",
        "additionalInfo": "When we conduct a search of the ASIC register to obtain information about the ownership of a company in administration of an account. The cost is per search.",
        "currency": "AUD",
        "fixedAmount": {
          "amount": "40.00"
        },
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount"
      },
      {
        "name": "Certificates supplied by the bank",
        "additionalInfo": "A fee for comprehensive certificates supplied for audit. The cost is $5 per page and $25 per hour.",
        "currency": "AUD",
        "fixedAmount": {
          "amount": "5.00"
        },
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount"
      },
      {
        "name": "Dormancy Fee",
        "additionalInfo": "Administration fee where account has been transferred to dormancy status. ",
        "currency": "AUD",
        "additionalValue": "P1Y",
        "fixedAmount": {
          "amount": "10.00"
        },
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount"
      },
      {
        "name": "Duplicate statement fee",
        "additionalInfo": "$5 per statement (for period more than 3 months before request). A fee that may be charged if you order a copy of a statement that has already been issued on your account. This fee per statement and is charged on or after the day you order the duplicate statement.",
        "currency": "AUD",
        "fixedAmount": {
          "amount": "5.00"
        },
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount"
      },
      {
        "name": "Security token fee",
        "additionalInfo": "When you request that we provide you with a physical Token to provide an additional layer of security when you engage in transactions that carry a higher risk. We do not charge for the virtual token.",
        "currency": "AUD",
        "fixedAmount": {
          "amount": "50.00"
        },
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount"
      },
      {
        "name": "SMS alert fee",
        "additionalInfo": "This fee is charged when you elect to receive notifications about your account via SMS messages to a mobile telephone number you have given us for contacting you. The cost is per SMS.",
        "currency": "AUD",
        "fixedAmount": {
          "amount": "0.25"
        },
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount"
      },
      {
        "name": "Inwards Payment fee",
        "additionalInfo": "International money transfer from overseas (other fees may be charged by participating banks involved in the transaction or settlement). The cost is per transaction.",
        "currency": "AUD",
        "fixedAmount": {
          "amount": "0.00"
        },
        "feeType": "DEPOSIT",
        "feeMethodUType": "fixedAmount"
      },
      {
        "name": "Same day funds transfers within Australia fee (RTGS)",
        "additionalInfo": "This fee is for a Real Time Gross Settlement (RTGS) payment which refers to the process of transferring money from one bank to another in Australia on a real time and gross basis. The cost is per transfer.",
        "currency": "AUD",
        "fixedAmount": {
          "amount": "20.00"
        },
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount"
      },
      {
        "name": "Staff assisted international payment in foreign currency",
        "additionalInfo": "This fee is charged when you make an International Payment in foreign currency via a Branch or the Contact Centre.  The cost is per transfer.",
        "currency": "AUD",
        "fixedAmount": {
          "amount": "30.00"
        },
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount"
      },
      {
        "name": "Staff assisted international payment in AUD",
        "additionalInfo": "This fee is charged when you make an International Payment in AUD via a Branch or the Contact Centre. The cost is per transfer.",
        "currency": "AUD",
        "fixedAmount": {
          "amount": "30.00"
        },
        "feeType": "PAYMENT",
        "feeMethodUType": "fixedAmount"
      },
      {
        "name": "Online international payment in foreign currency",
        "additionalInfo": "This fee is charged when you make an International Payment in foreign currency on-line via Internet banking or Bank Australia app. The cost is per transfer.",
        "currency": "AUD",
        "fixedAmount": {
          "amount": "10.00"
        },
        "feeType": "PAYMENT",
        "feeMethodUType": "fixedAmount"
      }
    ],
    "eligibility": [
      {
        "additionalInfo": "Sole traders, Pty Ltd, public companies, partnerships or associations",
        "eligibilityType": "BUSINESS",
        "additionalInfoUri": "https://www.bankaust.com.au/business-and-community/manage/transaction-accounts/commercial-access/"
      },
      {
        "additionalInfo": "18+years",
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18"
      },
      {
        "additionalInfo": "Business must be registered in Australia",
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "AU"
      }
    ],
    "depositRates": [
      {
        "applicationType": "PERIODIC",
        "tiers": [
          {
            "name": "$0 to $4,999.99",
            "minimumValue": "0.00",
            "unitOfMeasure": "DOLLAR",
            "maximumValue": "4999.99",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "rate": "0",
        "applicationFrequency": "P3M",
        "depositRateType": "VARIABLE",
        "calculationFrequency": "P1D"
      },
      {
        "applicationType": "PERIODIC",
        "tiers": [
          {
            "name": "$10,000 to $19,999.99",
            "minimumValue": "10000.00",
            "unitOfMeasure": "DOLLAR",
            "maximumValue": "19999.99",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "rate": "0",
        "applicationFrequency": "P3M",
        "additionalInfo": "Interest Calculated Daily and paid quarterly",
        "depositRateType": "VARIABLE",
        "calculationFrequency": "P1D"
      },
      {
        "applicationType": "PERIODIC",
        "tiers": [
          {
            "name": "$100,000 and above",
            "minimumValue": "100000.00",
            "unitOfMeasure": "DOLLAR",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "rate": "0",
        "applicationFrequency": "P3M",
        "additionalInfo": "Interest Calculated Daily and paid quarterly",
        "depositRateType": "VARIABLE",
        "calculationFrequency": "P1D"
      },
      {
        "applicationType": "PERIODIC",
        "tiers": [
          {
            "name": "$20,000 to $49,999.99",
            "minimumValue": "20000.00",
            "unitOfMeasure": "DOLLAR",
            "maximumValue": "49999.99",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "rate": "0",
        "applicationFrequency": "P3M",
        "additionalInfo": "Interest Calculated Daily and paid quarterly",
        "depositRateType": "VARIABLE",
        "calculationFrequency": "P1D"
      },
      {
        "applicationType": "PERIODIC",
        "tiers": [
          {
            "name": "$5,000 to $9,999.99",
            "minimumValue": "5000.00",
            "unitOfMeasure": "DOLLAR",
            "maximumValue": "9999.99",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "rate": "0",
        "applicationFrequency": "P3M",
        "additionalInfo": "Interest Calculated Daily and paid quarterly",
        "depositRateType": "VARIABLE",
        "calculationFrequency": "P1D"
      },
      {
        "applicationType": "PERIODIC",
        "tiers": [
          {
            "name": "$50,000 to $99,999.99",
            "minimumValue": "50000.00",
            "unitOfMeasure": "DOLLAR",
            "maximumValue": "99999.99",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "rate": "0",
        "applicationFrequency": "P3M",
        "additionalInfo": "Interest Calculated Daily and paid quarterly",
        "depositRateType": "VARIABLE",
        "calculationFrequency": "P1D"
      }
    ],
    "features": [
      {
        "featureType": "BILL_PAYMENT",
        "additionalInfo": "You can pay bills with the BPAY logo via Bank Australia App or Internet Banking.",
        "additionalValue": "BPAY"
      },
      {
        "featureType": "CARD_ACCESS",
        "additionalInfo": "Use instore, online and withdraw local currency at millions of locations, everywhere Visa is accepted. Cards are enabled to support diverse needs with raised bumps on the left hand-side on the front face of the card.",
        "additionalValue": "Visa Debit Card"
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "You can self-serve your day-to-day banking needs via Bank Australia's App or Internet Banking.\r\n"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalInfo": "Leave your wallet behind and pay for the things you need with Google Pay/ Samsung Pay/ Apple Pay.",
        "additionalValue": "Google, Samsung and Apple Pay available"
      },
      {
        "featureType": "NOTIFICATIONS",
        "additionalInfo": "Notifications can be enabled in the App or through Internet Banking, allowing you to be alerted either by email, sms or through the App about your card/account activity.",
        "additionalValue": "Card and Account Notifications"
      },
      {
        "featureType": "NPP_ENABLED",
        "additionalInfo": "Move money and pay people instantly with Osko."
      },
      {
        "featureType": "NPP_PAYID",
        "additionalInfo": "With PayID you can forget your BSB and account number - simply use your mobile, email or ABN to receive payments. This account can be linked to a PayID."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "PayTo Payments: You can make recurring and one-off payments with any participating PayTo merchant, business or service provider and keep track of all the payments in the Bank Australia app or Internet Banking.\r\n"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Bank@Post: Customers with a Bank Australia Visa debit card can make cash deposits up to $9,999.95 per day."
      },
      {
        "featureType": "UNLIMITED_TXNS",
        "additionalInfo": "There is no limit to the number of online, EFTPOS, ATM or staff assisted transactions you can make."
      }
    ]
  }
}