{ "snapshot_at": "2026-10-22T13:24:20Z", "brand": "BankVic", "brand_slug": "bankvic", "product_id": "S1_Txn_Everyday", "cdr_url": "https://ib.bankvic.com.au/openbanking/cds-au/v1/banking/products/S1_Txn_Everyday", "x_v": 6, "how_to_fetch": "curl -H 'x-v: 6' 'https://ib.bankvic.com.au/openbanking/cds-au/v1/banking/products/S1_Txn_Everyday'", "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", "additionalInfo": "Access to your funds" }, { "featureType": "ADDITIONAL_CARDS", "additionalInfo": "Additional card on another Everyday Account" }, { "featureType": "UNLIMITED_TXNS", "additionalInfo": "Unlimited Visa or eftpos transactions" }, { "featureType": "DIGITAL_BANKING", "additionalInfo": "Bank 24/7 wherever you are and whenever you want with BankVic mobile and internet banking" }, { "featureType": "NPP_PAYID", "additionalInfo": "PayID is the new way to make online payments that's faster, easier, smarter and more secure. A PayID is a smart address for payments which is securely linked to a bank account. It can be an email address or mobile phone number. Your PayID makes life much easier as you won't need to remember your BSB and account number anymore. Then when someone needs to pay you, you simply give them your PayID." }, { "featureType": "NPP_ENABLED", "additionalInfo": "Osko (NPP Faster Payment) is utilised across participating banks and financial institutions with funds received within seconds. You can use up to 280 characters to describe an Osko transaction. Plus you ll see the description instantly in your transaction record. Now that s a better way to understand your payments." }, { "featureType": "BILL_PAYMENT", "additionalInfo": "Pay bills using BPAY which is a fast, convenient and easy to use, enabling you to make payments to over 22,000 organisations." }, { "featureType": "OFFSET", "additionalInfo": "May be linked to the BankVic offset variable home loan to reduce the interest charged on your mortage" }, { "featureType": "OTHER", "additionalInfo": "checkbook available upon request" }, { "featureType": "DIGITAL_WALLET", "additionalValue": "Apple Pay", "additionalInfo": "Add your BankVic Visa credit card to a compatible device and pay securely with Apple Pay* TM" }, { "featureType": "DIGITAL_WALLET", "additionalValue": "Google Pay", "additionalInfo": "Add your BankVic Visa credit card to a compatible device and pay securely with Google Pay* TM" }, { "featureType": "DIGITAL_WALLET", "additionalValue": "Fitbit Pay", "additionalInfo": "Add your BankVic Visa credit card to a compatible device and pay securely with Fitbit Pay* TM" }, { "featureType": "DIGITAL_WALLET", "additionalValue": "Garmin Pay", "additionalInfo": "Add your BankVic Visa credit card to a compatible device and pay securely with Garmin Pay* TM" }, { "featureType": "DIGITAL_WALLET", "additionalValue": "eftpos", "additionalInfo": "Add your BankVic Visa credit card to a compatible device and pay securely with eftpos * TM" }, { "featureType": "DIGITAL_WALLET", "additionalValue": "Samsung Pay", "additionalInfo": "Add your BankVic Visa credit card to a compatible device and pay securely with Samsung Pay* TM" } ], "eligibility": [ { "eligibilityType": "OTHER", "additionalInfo": "BankVic Member" }, { "eligibilityType": "RESIDENCY_STATUS", "additionalInfo": "Australian citizen" } ], "fees": [ { "name": "CARD_REPLACEMENT_FEE", "feeType": "EVENT", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "10.00" }, "currency": "AUD", "additionalInfo": "There is a $10 replacement fee for members ordering a replacement card except if it is a faulty card, the card has worn out prematurely or the member is going on holidays at the time of renewal." }, { "name": "DIRECT_DEBIT_DISHONOUR_FEE", "feeType": "EVENT", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "9.00" }, "currency": "AUD", "additionalInfo": "Insufficient Funds in account" }, { "name": "DISPUTED_CARD_TRANSACTION_FEE", "feeType": "EVENT", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "25.00" }, "currency": "AUD", "additionalInfo": "Disputed transactions - fee not charged if found to be merchant error" }, { "name": "EMERGENCY_OVERSEAS_CARD_REPLACEMENT_FEE", "feeType": "UPFRONT", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "175.00" }, "currency": "AUD", "additionalInfoUri": "https://cdn.intelligencebank.com/au/share/NZw2/RVzr/dwqA/original/Fees+and+Charges" }, { "name": "EMERGENCY_OVERSEAS_CASH_FEE", "feeType": "UPFRONT", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "175.00" }, "currency": "AUD" }, { "name": "PERSONAL_CHEQUE_BOOK_FEE", "feeType": "UPFRONT", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "10.00" }, "currency": "AUD" }, { "name": "ARCHIVED_RECORDS_UP_TO_30_DAYS_SINCE_TRANSACTION", "feeType": "EVENT", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "6.00" }, "currency": "AUD", "additionalInfo": "Fee applies to each record" }, { "name": "ARCHIVED_RECORDS_30-90_DAYS_SINCE_TRANSACTION", "feeType": "EVENT", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "7.50" }, "currency": "AUD", "additionalInfo": "Fee applies to each record" }, { "name": "ARCHIVED_RECORDS_OVER_90_DAYS_SINCE_TRANSACTIO", "feeType": "EVENT", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "10.00" }, "currency": "AUD", "additionalInfo": "Fee applies to each record" }, { "name": "EXPRESS_POSTAGE_FEE", "feeType": "EVENT", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "7.50" }, "currency": "AUD" }, { "name": "INTERNATIONAL_TRANSACTION_CURRENCY_CONVERSION_FEE", "feeType": "WITHDRAWAL", "feeMethodUType": "rateBased", "rateBased": { "rateType": "TRANSACTION", "rate": "0.0365", "accrualFrequency": "D" }, "currency": "AUD", "additionalInfo": "International transaction currency conversion fee" }, { "name": "COMPANY_SEARCH_FEES", "feeType": "UPFRONT", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "25.00" }, "currency": "AUD", "additionalInfo": "Company search fee to open account." }, { "name": "MISCELLANEOUS_FEES", "feeType": "EVENT", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "50.00" }, "currency": "AUD", "additionalInfo": "$50 per transaction and $15 per charge for services not otherwise provided in this guide. We will seek your permission before proceeding." }, { "name": "RTGS", "feeType": "TRANSACTION", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "15.00" }, "currency": "AUD", "additionalInfo": "RTGS (Real Time Gross Settlement)" } ], "depositRates": [ { "depositRateType": "VARIABLE", "rate": "0.0001", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "additionalInfoUri": "https://www.bankvic.com.au/savings/?filter=Savings" } ], "productId": "S1_Txn_Everyday", "lastUpdated": "2026-10-09T15:46:55.000+11:00", "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS", "name": "Everyday Account", "description": "A day to day bank account that gives you easy access to your money", "brand": "BankVic", "brandName": "BankVic", "applicationUri": "https://www.bankvic.com.au/apply-for-deposit-account/", "isTailored": false, "additionalInformation": { "overviewUri": "https://www.bankvic.com.au/savings/", "termsUri": "https://cdn.intelligencebank.com/au/share/NZw2/RVzr/yzJw/original/BankVic+Terms+%2526+Conditions", "eligibilityUri": "https://www.bankvic.com.au/savings/", "feesAndPricingUri": "https://www.bankvic.com.au/savings/?filter=Savings" } } }