{
  "snapshot_at": "2026-11-13T01:41:10Z",
  "brand": "Bankwest",
  "brand_slug": "bankwest",
  "product_id": "b54379a0c72b4129887a85e7b629b3af",
  "cdr_url": "https://open-api.bankwest.com.au/bwpublic/cds-au/v1/banking/products/b54379a0c72b4129887a85e7b629b3af",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://open-api.bankwest.com.au/bwpublic/cds-au/v1/banking/products/b54379a0c72b4129887a85e7b629b3af'",
  "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": "Platinum Debit Mastercard",
        "additionalInfo": "Have easy access to your money with a Platinum Debit Mastercard with no foreign transaction fees and no overseas ATM fees.",
        "additionalInfoUri": "https://www.bankwest.com.au/bank-accounts/over55"
      },
      {
        "featureType": "CARD_ACCESS",
        "additionalValue": "Bankwest Debit Card",
        "additionalInfo": "Effective 28th November 2024, the proprietary Bankwest Debit Card will no longer be issued on new accounts (opened from that date) except to replace or reissue an existing Bankwest Debit Card.",
        "additionalInfoUri": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20040121-155913.pdf"
      },
      {
        "featureType": "CARD_ACCESS",
        "additionalValue": "Virtual Cards",
        "additionalInfo": "You may be able to create a single-use or multi-use virtual card to make purchases without using your regular card details.",
        "additionalInfoUri": "https://www.bankwest.com.au/bank-accounts/over55"
      },
      {
        "featureType": "ADDITIONAL_CARDS",
        "additionalValue": "2",
        "additionalInfo": "You can have a maximum of two cards linked to an account."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "You can bank over the phone.",
        "additionalInfoUri": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20040121-155913.pdf"
      },
      {
        "featureType": "BILL_PAYMENT",
        "additionalValue": "BPAY",
        "additionalInfo": "You can use BPAY to quickly and easily pay your bills online.",
        "additionalInfoUri": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20040121-154653.pdf"
      },
      {
        "featureType": "BILL_PAYMENT",
        "additionalValue": "Direct Debit",
        "additionalInfo": "You can set up direct debits.",
        "additionalInfoUri": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20040121-155913.pdf"
      },
      {
        "featureType": "BILL_PAYMENT",
        "additionalValue": "PayTo",
        "additionalInfo": "PayTo is a service that's been developed by the NPPA (New Payments Platform Australia) that businesses, service providers and merchants can opt in to. Essentially, it's a digital way for customers to pre-authorise payments from their bank accounts in real time, for things like utilities, subscriptions and memberships.",
        "additionalInfoUri": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20040121-155913.pdf"
      },
      {
        "featureType": "NPP_PAYID",
        "additionalInfo": "Get paid faster and easier by sending your mobile number and email address instead of your BSB and account number.",
        "additionalInfoUri": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20040121-155913.pdf"
      },
      {
        "featureType": "NPP_ENABLED",
        "additionalInfo": "Get paid faster and easier by transferring funds using your mobile number and email address instead of your BSB and account number.",
        "additionalInfoUri": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20040121-154653.pdf"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Cheque Access will no longer be available for Retirement Advantage Accounts issued on or after 16 June 2023. After 20 March 2024, new or replacement chequebooks will not be available on any Bankwest Retirement Advantage Account (regardless of when the account was opened).",
        "additionalInfoUri": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20040121-155913.pdf"
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Bank on the go with the Bankwest App. Use Bankwest Online Banking (BOB) to access your money and manage your everyday banking subject to conditions of use. Limits may apply.",
        "additionalInfoUri": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20040121-155913.pdf"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Apple Pay",
        "additionalInfo": "Use Apple Pay for a smart, secure and easy way to pay from your Apple device.",
        "additionalInfoUri": "https://www.bankwest.com.au/bank-accounts/over55"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Google Pay",
        "additionalInfo": "Use Google Pay from any compatible Android device to tap and pay on the go.",
        "additionalInfoUri": "https://www.bankwest.com.au/bank-accounts/over55"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Samsung Pay",
        "additionalInfo": "Use Samsung Pay for a smart, secure and easy way to pay from your Samsung device.",
        "additionalInfoUri": "https://www.bankwest.com.au/bank-accounts/over55"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Create a goal, set up regular deposits and track your progress in the app.",
        "additionalInfoUri": "https://www.bankwest.com.au/savings-accounts"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Backed by Mastercard 24/7 Zero Liability Protection."
      },
      {
        "featureType": "NOTIFICATIONS",
        "additionalValue": "Alerts",
        "additionalInfo": "Set up Alerts through the Bankwest App to get notified about important account activity.",
        "additionalInfoUri": "https://www.bankwest.com.au/mobile-banking-app"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "You can set up ongoing payments for things like bills or loan repayments.",
        "additionalInfoUri": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20040121-155913.pdf"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "55",
        "additionalInfo": "A bank account exclusively for those aged 55 and over, for joint accounts one customer must meet this age requirement and additional eligibility rules apply. For applications post 15 April 2025, this product cannot be opened by an individual in their capacity as an executor/administrator of a deceased estate.",
        "additionalInfoUri": "https://www.bankwest.com.au/content/dam/bankwest/documents/tmd/Bank-and-Save/26-05-2026/retirementadvantageaccount-tmd-210520261023.pdf"
      },
      {
        "eligibilityType": "NATURAL_PERSON",
        "additionalInfo": "The Retirement Advantage account is an account for customers who are aged 55 or over.",
        "additionalInfoUri": "https://www.bankwest.com.au/bank-accounts/over55"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "Australian citizen or Australian permanent resident",
        "additionalInfo": "Customer must have a residential address in Australia (limited exceptions may apply subject to conditions)",
        "additionalInfoUri": "https://www.bankwest.com.au/content/dam/bankwest/documents/tmd/Bank-and-Save/26-05-2026/retirementadvantageaccount-tmd-210520261023.pdf"
      }
    ],
    "fees": [
      {
        "name": "Cheque Withdrawal Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD",
        "additionalInfo": "No cheque withdrawal fees apply to this product.",
        "additionalInfoUri": "https://www.bankwest.com.au/bank-accounts/over55"
      },
      {
        "name": "Electronic Withdrawal Fee",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD",
        "additionalInfo": "No electronic withdrawal fees apply to this product. However, you will be required to meet the cost of any Direct Charge levied in respect of a withdrawal at an ATM which is not operated by CommBank.",
        "additionalInfoUri": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20040121-155913.pdf"
      },
      {
        "name": "Maintenance Fee",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD",
        "additionalValue": "P1M",
        "additionalInfo": "No maintenance fees apply to this product.",
        "additionalInfoUri": "https://www.bankwest.com.au/bank-accounts/over55"
      },
      {
        "name": "Overseas ATM Fee",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD",
        "additionalInfo": "No Bankwest-charged overseas ATM access fees. The overseas bank may charge a fee for using their ATM.",
        "additionalInfoUri": "https://www.bankwest.com.au/bank-accounts/over55"
      },
      {
        "name": "Foreign Transaction Fee",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD",
        "additionalInfo": "No foreign transaction fees.",
        "additionalInfoUri": "https://www.bankwest.com.au/bank-accounts/over55"
      },
      {
        "name": "Search Handling Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "40.00"
        },
        "currency": "AUD",
        "additionalInfo": "For completion of any search conducted by the Bank (per search)",
        "additionalInfoUri": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20040121-160125.pdf"
      },
      {
        "name": "Cheque Stop Payment",
        "feeType": "EVENT",
        "feeMethodUType": "variable",
        "variable": {
          "feeMinimum": "15.00",
          "feeMaximum": "25.00"
        },
        "currency": "AUD",
        "additionalInfo": "$15 fee to stop payment on an issued cheque. This fee is $25 when payment is stopped on a range of cheques.",
        "additionalInfoUri": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20040121-160125.pdf"
      },
      {
        "name": "ATM Fee",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD",
        "additionalInfo": "No ATM fees when you use major bank ATMs Australia-wide. Other ATM operators may charge fees. Other fees and charges may apply.",
        "additionalInfoUri": "https://www.bankwest.com.au/bank-accounts/over55"
      }
    ],
    "depositRates": [
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0005",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "Amount",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "0.00",
            "maximumValue": "9999.99",
            "rateApplicationMethod": "PER_TIER"
          }
        ],
        "additionalInfo": "Variable Credit Interest.",
        "additionalInfoUri": "https://www.bankwest.com.au/bank-accounts/over55"
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0155",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "Amount",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "10000.00",
            "maximumValue": "49999.99",
            "rateApplicationMethod": "PER_TIER"
          }
        ],
        "additionalInfo": "Variable Credit Interest.",
        "additionalInfoUri": "https://www.bankwest.com.au/bank-accounts/over55"
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0205",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "Amount",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "50000.00",
            "maximumValue": "249999.99",
            "rateApplicationMethod": "PER_TIER"
          }
        ],
        "additionalInfo": "Variable Credit Interest.",
        "additionalInfoUri": "https://www.bankwest.com.au/bank-accounts/over55"
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0255",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "Amount",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "250000.00",
            "rateApplicationMethod": "PER_TIER"
          }
        ],
        "additionalInfo": "Variable Credit Interest.",
        "additionalInfoUri": "https://www.bankwest.com.au/bank-accounts/over55"
      }
    ],
    "productId": "b54379a0c72b4129887a85e7b629b3af",
    "effectiveTo": "9999-12-31T00:00:00.000Z",
    "lastUpdated": "2026-11-13T01:15:05.000Z",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "name": "Retirement Advantage Account",
    "description": "An everyday bank account with no maintenance fees that rewards you with interest. For those aged 55 and over.",
    "brand": "Bankwest",
    "brandName": "Bankwest",
    "applicationUri": "https://www.bankwest.com.au/bank-accounts/over55",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.bankwest.com.au/bank-accounts/over55",
      "termsUri": "https://www.bankwest.com.au/bank-accounts/over55",
      "eligibilityUri": "https://www.bankwest.com.au/bank-accounts/over55",
      "feesAndPricingUri": "https://www.bankwest.com.au/bank-accounts/over55"
    },
    "cardArt": [
      {
        "cardScheme": "MASTERCARD",
        "cardType": "DEBIT",
        "title": "Platinum Debit Mastercard - Powder",
        "imageUri": "https://www.bankwest.com.au/content/dam/bankwest/bwapps/openbanking/cards-platinum-debit-mastercard-powder.png"
      },
      {
        "cardScheme": "MASTERCARD",
        "cardType": "DEBIT",
        "title": "Platinum Debit Mastercard - Teal",
        "imageUri": "https://www.bankwest.com.au/content/dam/bankwest/bwapps/openbanking/cards-platinum-debit-mastercard-teal.png"
      },
      {
        "cardScheme": "MASTERCARD",
        "cardType": "DEBIT",
        "title": "Platinum Debit Mastercard - Piglet",
        "imageUri": "https://www.bankwest.com.au/content/dam/bankwest/bwapps/openbanking/cards-platinum-debit-mastercard-piglet.png"
      },
      {
        "cardScheme": "MASTERCARD",
        "cardType": "DEBIT",
        "title": "Platinum Debit Mastercard - Chocolate",
        "imageUri": "https://www.bankwest.com.au/content/dam/bankwest/bwapps/openbanking/cards-platinum-debit-mastercard-chocolate.png"
      },
      {
        "cardScheme": "MASTERCARD",
        "cardType": "DEBIT",
        "title": "Platinum Debit Mastercard - Lavender",
        "imageUri": "https://www.bankwest.com.au/content/dam/bankwest/bwapps/openbanking/cards-platinum-debit-mastercard-lavender.png"
      }
    ]
  }
}