{
  "snapshot_at": "2026-10-22T13:24:14Z",
  "brand": "Bank of Queensland Limited",
  "brand_slug": "bank-of-queensland-limited",
  "product_id": "28906e88-5c03-ee11-8f6e-00224814d330",
  "cdr_url": "https://api.cds.boq.com.au/cds-au/v1/banking/products/28906e88-5c03-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/28906e88-5c03-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": "28906e88-5c03-ee11-8f6e-00224814d330",
    "lastUpdated": "2026-10-21T04:06:00Z",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "name": "Day2Day Plus Account",
    "description": "The Day2Day Plus Account is the everyday account with no monthly fees that frees you to live the way you want, each and every day.",
    "brand": "BOQ",
    "brandName": "Bank of Queensland",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.boq.com.au/personal/banking/transaction-accounts/day2day-plus-account",
      "termsUri": "https://www.boq.com.au/personal/help-and-support/forms-and-important-information/terms-and-conditions/",
      "eligibilityUri": "https://www.boq.com.au/personal/banking/transaction-accounts/day2day-plus-account",
      "feesAndPricingUri": "https://www.boq.com.au/content/dam/boq/files/terms-and-conditions/personal/personal-banking-guide-to-fees-and-charges.pdf"
    },
    "features": [
      {
        "featureType": "CARD_ACCESS",
        "additionalValue": "Visa Debit Card",
        "additionalInfo": "Free Visa Debit Card to shop online, in-store, in Australia and overseas",
        "additionalInfoUri": "https://www.boq.com.au/personal/banking/visa-debit-card"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "All deposits up to $250,000 are protected by the Federal Government's deposit guarantee, so your savings are secure with us",
        "additionalInfoUri": "https://www.boq.com.au/personal/banking/transaction-accounts/day2day-plus-account"
      },
      {
        "featureType": "UNLIMITED_TXNS",
        "additionalInfo": "Unlimited cheques, withdrawals, BOQ balance enquiries, funds transfer and BPAY transactions",
        "additionalInfoUri": "https://www.boq.com.au/personal/banking/transaction-accounts/day2day-plus-account"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Fee free access to over 2,100 atmx by Armaguard ATMs, our preferred ATM network, as well as all BOQ Branch ATMs and some other Australian banks' ATMs",
        "additionalInfoUri": "https://www.boq.com.au/personal/banking/transaction-accounts/day2day-plus-account"
      },
      {
        "featureType": "OVERDRAFT",
        "additionalInfo": "Personal Overdrafts are available on the Day2Day Plus Account",
        "additionalInfoUri": "https://www.boq.com.au/personal/personal-and-car-loans/personal-overdraft"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Deposit as much or as little as you want anytime, into your everyday account",
        "additionalInfoUri": "https://www.boq.com.au/personal/banking/transaction-accounts/day2day-plus-account"
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Access your money at any time via internet and mobile banking",
        "additionalInfoUri": "https://www.boq.com.au/personal/online-banking/internet-banking"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "NATURAL_PERSON",
        "additionalInfo": "Applying for a personal account and not in the name of a business or trust. There should be no more than two account holders for this account",
        "additionalInfoUri": "https://www.boq.com.au/personal/banking/transaction-accounts/day2day-plus-account"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "Resident or Citizen",
        "additionalInfo": "A citizen or permanent resident of Australia",
        "additionalInfoUri": "https://www.boq.com.au/personal/banking/transaction-accounts/day2day-plus-account"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Online applications for the Day2Day Plus Account are no longer accepted. Customers can visit their preferred BOQ branch to discuss their suitability in opening an account. Existing BOQ customers wanting to open a Day2Day Plus Account can also do so through Internet Banking",
        "additionalInfoUri": "https://www.boq.com.au/personal/banking/transaction-accounts/day2day-plus-account"
      },
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "11",
        "additionalInfo": "Customers must be 11 years or older (minors aged 11 – 14 can open this product with the authority of their parent/guardian).",
        "additionalInfoUri": "https://www.boq.com.au/personal/banking/transaction-accounts/day2day-plus-account"
      }
    ],
    "fees": [
      {
        "name": "Agreed Credit Advance Fee",
        "feeType": "PERIODIC",
        "feeMethodUType": "rateBased",
        "rateBased": {
          "rateType": "BALANCE",
          "rate": "0.0025000000000000"
        },
        "currency": "AUD",
        "additionalValue": "P1M",
        "additionalInfo": "0.25% of approved overdraft limit. Applicable only for accounts with an approved overdraft facility",
        "additionalInfoUri": "https://www.boq.com.au/content/dam/boq/files/terms-and-conditions/personal/personal-banking-guide-to-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 Visa Debit Card",
        "additionalInfoUri": "https://www.boq.com.au/content/dam/boq/files/terms-and-conditions/personal/personal-banking-guide-to-fees-and-charges.pdf"
      },
      {
        "name": "Foreign Currency Transaction Fee",
        "feeType": "PURCHASE",
        "feeMethodUType": "rateBased",
        "rateBased": {
          "rateType": "BALANCE",
          "rate": "0.0300000000000000"
        },
        "currency": "AUD",
        "additionalInfo": "Applicable to accounts linked to a Visa Debit Card",
        "additionalInfoUri": "https://www.boq.com.au/content/dam/boq/files/terms-and-conditions/personal/personal-banking-guide-to-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 Visa Debit Card",
        "additionalInfoUri": "https://www.boq.com.au/content/dam/boq/files/terms-and-conditions/personal/personal-banking-guide-to-fees-and-charges.pdf"
      },
      {
        "name": "ATM Operator Fee",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "variable",
        "variable": {},
        "currency": "AUD",
        "additionalInfo": "As disclosed on the ATM screen at the time of the transaction",
        "additionalInfoUri": "https://www.boq.com.au/content/dam/boq/files/terms-and-conditions/personal/personal-banking-guide-to-fees-and-charges.pdf"
      }
    ]
  }
}