{ "snapshot_at": "2026-11-05T03:30:48Z", "brand": "BCU Bank", "brand_slug": "bcu-bank", "product_id": "150", "cdr_url": "https://public.cdr-api.bcu.com.au/cds-au/v1/banking/products/150", "x_v": 7, "how_to_fetch": "curl -H 'x-v: 7' 'https://public.cdr-api.bcu.com.au/cds-au/v1/banking/products/150'", "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": "150", "effectiveFrom": "2020-04-15T14:30:00.0000000Z", "lastUpdated": "2026-11-01T00:00:40.9636848Z", "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS", "name": "Business iSaver", "description": "A secure online savings account that pays a high rate of interest for your savings.", "brand": "BCU", "brandName": "bcu", "isTailored": false, "additionalInformation": { "overviewUri": "https://www.bcu.com.au/business-banking/bank-accounts/business-isaver-account/", "termsUri": "https://www.bcu.com.au/important-information/terms-and-conditions/savings-accounts--access-channels/", "feesAndPricingUri": "https://www.bcu.com.au/help-centre/fees-and-charges/everyday-savings-accounts-fees-and-charges/" }, "features": [ { "featureType": "DIGITAL_BANKING", "additionalInfo": "Transfer or make payments using our mobile app or internet banking. Payments made with PayID or using Osko are received in near real-time.", "additionalInfoUri": "https://www.bcu.com.au/everyday-banking/digital-banking/mobile-app/" }, { "featureType": "NPP_ENABLED", "additionalInfo": "Transfer or make payments using our mobile app or internet banking. Payments made with PayID or using Osko are received in near real-time.", "additionalInfoUri": "https://www.bcu.com.au/everyday-banking/ways-to-pay/" }, { "featureType": "NPP_PAYID", "additionalInfo": "Use your phone or email address as your PayID to securely send payments to and from banks almost instantly.", "additionalInfoUri": "https://www.bcu.com.au/everyday-banking/ways-to-pay/" }, { "featureType": "UNLIMITED_TXNS", "additionalInfo": "Save money with no monthly, minimum balance or transaction fees. Other fees and charges may apply. Please visit our website for full information.", "additionalInfoUri": "https://www.bcu.com.au/business-banking/bank-accounts/business-isaver-account/" } ], "constraints": [ { "constraintType": "MAX_BALANCE", "additionalValue": "5000000.00", "additionalInfo": "Maximum balance is $5,000,000", "additionalInfoUri": "https://www.bcu.com.au/business-banking/bank-accounts/business-isaver-account/" } ], "eligibility": [ { "eligibilityType": "BUSINESS", "additionalInfo": "Only business may apply for the account.", "additionalInfoUri": "https://www.bcu.com.au/business-banking/bank-accounts/business-isaver-account/" }, { "eligibilityType": "OTHER", "additionalInfo": "You must be or become a BCU Bank member", "additionalInfoUri": "https://www.bcu.com.au/business-banking/bank-accounts/business-isaver-account/" }, { "eligibilityType": "RESIDENCY_STATUS", "additionalValue": "You must be an Australian citizen and/or resident or a non-resident with a qualifying visa evidencing 12 months or longer residency. A valid Australian address is required to open an account. Membership eligibility applies.", "additionalInfoUri": "https://www.bcu.com.au/business-banking/bank-accounts/business-isaver-account/" } ], "fees": [ { "name": "Cash Passport Fee", "feeType": "EVENT", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "10.00" }, "currency": "AUD", "additionalInfo": "For the initial activation and each currency top-up requested in branch.", "additionalInfoUri": "https://www.bcu.com.au/help-centre/fees-and-charges/everyday-savings-accounts-fees-and-charges/" }, { "name": "Referral Fee", "feeType": "EVENT", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "3.50" }, "currency": "AUD", "additionalInfo": "Where an account has insufficient available funds to cover a direct debit transaction, and the transaction is honoured by BCU Bank.", "additionalInfoUri": "https://www.bcu.com.au/help-centre/fees-and-charges/everyday-savings-accounts-fees-and-charges/" }, { "name": "Dishonour Fee", "feeType": "DISHONOUR", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "6.00" }, "currency": "AUD", "additionalInfo": "Where a direct debit is dishonoured due to insufficient funds.", "additionalInfoUri": "https://www.bcu.com.au/help-centre/fees-and-charges/everyday-savings-accounts-fees-and-charges/" }, { "name": "Auto Transfer Dishonour Fee", "feeType": "DISHONOUR", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "6.00" }, "currency": "AUD", "additionalInfo": "Charged where there are insufficient funds in your account when an external auto transfer or BPAY payment is due to be made.", "additionalInfoUri": "https://www.bcu.com.au/help-centre/fees-and-charges/everyday-savings-accounts-fees-and-charges/" }, { "name": "Overdrawn Account Management Fee", "feeType": "EVENT", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "10.00" }, "currency": "AUD", "additionalInfo": "A fee applied in relation to any month where we allow the approved credit limit on your account to be exceeded by more than $50 or, if your account does not have an approved credit limit, if we allow you to overdraw your account by more than $50.", "additionalInfoUri": "https://www.bcu.com.au/help-centre/fees-and-charges/everyday-savings-accounts-fees-and-charges/" } ], "depositRates": [ { "depositRateType": "VARIABLE", "rate": "0.016", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "tiers": [ { "name": "Floating Balance Tier 1", "unitOfMeasure": "DOLLAR", "minimumValue": "0.00", "maximumValue": "4999.99", "rateApplicationMethod": "WHOLE_BALANCE" } ], "applicabilityConditions": [ { "rateApplicabilityType": "EXISTING_CUST", "additionalInfo": "Rate available to existing customers.\r\n", "additionalInfoUri": "https://www.bcu.com.au/business-banking/bank-accounts/business-isaver-account/" }, { "rateApplicabilityType": "NEW_ACCOUNTS", "additionalInfo": "Rate available for new accounts.", "additionalInfoUri": "https://www.bcu.com.au/business-banking/bank-accounts/business-isaver-account/" }, { "rateApplicabilityType": "NEW_CUSTOMER", "additionalInfo": "Rate available to new customers.", "additionalInfoUri": "https://www.bcu.com.au/business-banking/bank-accounts/business-isaver-account/" } ] }, { "depositRateType": "VARIABLE", "rate": "0.0185", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "tiers": [ { "name": "Floating Balance Tier 2", "unitOfMeasure": "DOLLAR", "minimumValue": "5000.00", "rateApplicationMethod": "WHOLE_BALANCE" } ], "applicabilityConditions": [ { "rateApplicabilityType": "EXISTING_CUST", "additionalInfo": "Rate available to existing customers.\r\n", "additionalInfoUri": "https://www.bcu.com.au/business-banking/bank-accounts/business-isaver-account/" }, { "rateApplicabilityType": "NEW_ACCOUNTS", "additionalInfo": "Rate available for new accounts.", "additionalInfoUri": "https://www.bcu.com.au/business-banking/bank-accounts/business-isaver-account/" }, { "rateApplicabilityType": "NEW_CUSTOMER", "additionalInfo": "Rate available to new customers.\r\n", "additionalInfoUri": "https://www.bcu.com.au/business-banking/bank-accounts/business-isaver-account/" } ] } ] } }