{
  "snapshot_at": "2026-10-22T13:24:14Z",
  "brand": "Bank of Queensland Limited",
  "brand_slug": "bank-of-queensland-limited",
  "product_id": "24906e88-5c03-ee11-8f6e-00224814d330",
  "cdr_url": "https://api.cds.boq.com.au/cds-au/v1/banking/products/24906e88-5c03-ee11-8f6e-00224814d330",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://api.cds.boq.com.au/cds-au/v1/banking/products/24906e88-5c03-ee11-8f6e-00224814d330'",
  "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": "24906e88-5c03-ee11-8f6e-00224814d330",
    "lastUpdated": "2026-10-13T21:57:56Z",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "name": "Everyday Business Account",
    "description": "Our Everyday Business Account is a low fee business transaction account that provides a flexible way to manage business finance and expenses.",
    "brand": "BOQ",
    "brandName": "Bank of Queensland",
    "applicationUri": "https://onlineapplications.boq.com.au/form/5d4b4cf210f87b1518818b1b/app/6993a5b9336d7e211a6bb56d",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.boq.com.au/business/business-bank-accounts/transaction-accounts/everyday-business-account",
      "termsUri": "https://www.boq.com.au/important-information/terms-and-conditions",
      "eligibilityUri": "https://www.boq.com.au/important-information/terms-and-conditions",
      "feesAndPricingUri": "https://www.boq.com.au/content/dam/boq/files/terms-and-conditions/business/business-banking-guide-fees-and-charges.pdf"
    },
    "features": [
      {
        "featureType": "CARD_ACCESS",
        "additionalValue": "Visa Debit Card",
        "additionalInfo": "Shop online, over the phone, locally and worldwide with your linked BOQ Business Visa Debit Card",
        "additionalInfoUri": "https://www.boq.com.au/business/business-bank-accounts/business-visa-debit-card"
      },
      {
        "featureType": "OVERDRAFT",
        "additionalInfo": "Add or link Business Overdraft Facility",
        "additionalInfoUri": "https://www.boq.com.au/business/business-bank-accounts/transaction-accounts/everyday-business-account"
      },
      {
        "featureType": "FRAUD_PROTECTION",
        "additionalInfo": "Protected against fraud by Visa Zero Liability",
        "additionalInfoUri": "https://www.boq.com.au/business/business-bank-accounts/transaction-accounts/everyday-business-account"
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Full account access via Internet and Mobile Banking",
        "additionalInfoUri": "https://www.boq.com.au/personal/online-banking/internet-banking"
      },
      {
        "featureType": "COMPLEMENTARY_PRODUCT_DISCOUNTS",
        "additionalValue": "Google Ads and QuickBooks",
        "additionalInfo": "Cashback on $100 Ad Spend on Google. Receive a 50% discount for QuickBooks Online Simple Start, Essentials or Plus for the first 6 months of service",
        "additionalInfoUri": "https://www.boq.com.au/business/business-bank-accounts/transaction-accounts/everyday-business-account"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Free withdrawals via BOQ branch, BOQ ATMs, atmx by Armaguard ATMs, Direct Debit, EFTPOS, BPAY and Single Pay Anyone",
        "additionalInfoUri": "https://www.boq.com.au/business/business-bank-accounts/transaction-accounts/everyday-business-account"
      },
      {
        "featureType": "UNLIMITED_TXNS",
        "additionalInfo": "Enjoy fee-free deposits via BOQ branches, ATMs and cheque deposits. As well as free withdrawals via our branches and EFTPOS. Some branch based transactions may incur a fee. Refer to the Business Banking Guide to Fees & Charges",
        "additionalInfoUri": "https://www.boq.com.au/business/business-bank-accounts/transaction-accounts/everyday-business-account"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Low account maintenance fees",
        "additionalInfoUri": "https://www.boq.com.au/business/business-bank-accounts/transaction-accounts/everyday-business-account"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Add or link Business WebSavings Account and a Merchant Facility through Fiserv",
        "additionalInfoUri": "https://www.boq.com.au/business/business-bank-accounts/transaction-accounts/everyday-business-account"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "BUSINESS",
        "additionalInfo": "Business customers",
        "additionalInfoUri": "https://www.boq.com.au/important-information/terms-and-conditions"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "General Trust Accounts are available to Accountants only. BOQ does not offer these accounts to customers in any other profession. To be eligible for an Accountants General Trust Account, you must open and maintain another Transaction Account (General Account) from which all fees and charges incurred on your Accountants General Trust Account will be debited.",
        "additionalInfoUri": "https://www.boq.com.au/important-information/terms-and-conditions"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "https://www.boq.com.au/business/business-bank-accounts/industry-specialist-accounts/community-banking-solution",
        "additionalInfoUri": "https://www.boq.com.au/important-information/terms-and-conditions"
      }
    ],
    "fees": [
      {
        "name": "Multi Payment",
        "feeType": "PAYMENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "1.5000"
        },
        "currency": "AUD",
        "additionalInfo": "$1.50 for up to 10 payments then $0.19 for each additional transaction",
        "additionalInfoUri": "https://www.boq.com.au/content/dam/boq/files/terms-and-conditions/business/business-banking-guide-fees-and-charges.pdf"
      },
      {
        "name": "Emergency Limit Fee",
        "feeType": "VARIATION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "300.0000"
        },
        "currency": "AUD",
        "additionalInfo": "Payable for the establishment of a temporary increase to your business overdraft facility limit. Applicable only if you operate an approved overdraft as part of this account",
        "additionalInfoUri": "https://www.boq.com.au/content/dam/boq/files/terms-and-conditions/business/business-banking-guide-fees-and-charges.pdf"
      },
      {
        "name": "Agreed Credit Advance Fee",
        "feeType": "PERIODIC",
        "feeMethodUType": "rateBased",
        "rateBased": {
          "rateType": "BALANCE",
          "rate": "0.0030000000000000"
        },
        "currency": "AUD",
        "additionalValue": "P3M",
        "additionalInfo": "0.30% of the approved limit, with a minimum of $70.00. The fee will be charged quarterly on the last day of March, June, September and December. Applicable only if you operate an approved overdraft as part of this account",
        "additionalInfoUri": "https://www.boq.com.au/content/dam/boq/files/terms-and-conditions/business/business-banking-guide-fees-and-charges.pdf"
      },
      {
        "name": "Application Fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "rateBased",
        "rateBased": {
          "rateType": "BALANCE",
          "rate": "0.0075000000000000"
        },
        "currency": "AUD",
        "additionalInfo": "0.75% of the approved limit applies (minimum $750). A higher fee may be payable where the transaction or corporate structure of the borrower is more complex than usual and therefore requires additional consideration beyond normal assessment work. Applicable only if you operate an approved overdraft as part of this account",
        "additionalInfoUri": "https://www.boq.com.au/content/dam/boq/files/terms-and-conditions/business/business-banking-guide-fees-and-charges.pdf"
      },
      {
        "name": "Overseas Bank ATM Withdrawal",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.0000"
        },
        "currency": "AUD",
        "additionalInfo": "Overseas ATM access is only available if an Account is linked to a Full Access Visa Debit Card",
        "additionalInfoUri": "https://www.boq.com.au/content/dam/boq/files/terms-and-conditions/business/business-banking-guide-fees-and-charges.pdf"
      },
      {
        "name": "Overseas Bank ATM Balance Enquiry",
        "feeType": "ENQUIRY",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "2.0000"
        },
        "currency": "AUD",
        "additionalInfo": "Overseas ATM access is only available if an Account is linked to a Full Access Visa Debit Card",
        "additionalInfoUri": "https://www.boq.com.au/content/dam/boq/files/terms-and-conditions/business/business-banking-guide-fees-and-charges.pdf"
      },
      {
        "name": "Account Maintenance Fee",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.0000"
        },
        "currency": "AUD",
        "additionalValue": "P1M",
        "additionalInfoUri": "https://www.boq.com.au/content/dam/boq/files/terms-and-conditions/business/business-banking-guide-fees-and-charges.pdf",
        "discounts": [
          {
            "description": "Account maintenance fee waived",
            "discountType": "ELIGIBILITY_ONLY",
            "discountMethodUType": "fixedAmount",
            "fixedAmount": {
              "amount": "10.0000"
            },
            "eligibility": [
              {
                "discountEligibilityType": "OTHER",
                "additionalInfo": "Account maintenance fee waived for Not-for-profit organisations or if you operate an approved overdraft with an Everyday Business Account."
              }
            ]
          }
        ]
      },
      {
        "name": "Foreign Currency Transaction Fee",
        "feeType": "PURCHASE",
        "feeMethodUType": "rateBased",
        "rateBased": {
          "rateType": "BALANCE",
          "rate": "0.0300000000000000"
        },
        "currency": "AUD",
        "additionalInfo": "Applicable to accounts linked to a Business",
        "additionalInfoUri": "https://www.boq.com.au/content/dam/boq/files/terms-and-conditions/business/business-banking-guide-fees-and-charges.pdf"
      }
    ]
  }
}