{
  "snapshot_at": "2026-11-13T01:41:10Z",
  "brand": "BCU Bank",
  "brand_slug": "bcu-bank",
  "product_id": "304",
  "cdr_url": "https://public.cdr-api.bcu.com.au/cds-au/v1/banking/products/304",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://public.cdr-api.bcu.com.au/cds-au/v1/banking/products/304'",
  "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": "304",
    "effectiveFrom": "2026-03-19T13:30:00.0000000Z",
    "lastUpdated": "2026-11-13T00:00:41.2804876Z",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "name": "Golden Account",
    "description": "A transaction account for customers aged 55 and over, with easy access to funds and variable stepped interest.",
    "brand": "BCU",
    "brandName": "bcu",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "ttps://www.bcu.com.au/everyday-banking/everyday-bank-accounts/golden-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/"
    },
    "cardArt": [
      {
        "cardScheme": "VISA",
        "cardType": "DEBIT",
        "title": "BCU Bank Visa Debit",
        "imageUri": "https://digital.pnbank.com.au/globalassets/internet-banking/onboarding/products/bcu-visa-debit_oct25.png"
      }
    ],
    "features": [
      {
        "featureType": "ADDITIONAL_CARDS",
        "additionalInfo": "Replacement Card can be ordered for a lost, or damaged Visa Debit or Credit card. $50 for an urgent card replacement. $10 for a standard card replacement. An emergency issue of a temporary Visa card can be requested by you to temporarily replace a lost, stolen or damaged Visa Card. If approved $320. If declined $70.",
        "additionalInfoUri": "https://www.bcu.com.au/help-centre/fees-and-charges/everyday-savings-accounts-fees-and-charges/"
      },
      {
        "featureType": "CARD_ACCESS",
        "additionalValue": "Visa Debit card available",
        "additionalInfo": "A Visa Debit Card is available for this account. Make purchases online or in-store using your Visa Debit card, including paywave. Please visit our website for more information.",
        "additionalInfoUri": "https://www.bcu.com.au/cards/visa-debit-card/"
      },
      {
        "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": "DIGITAL_WALLET",
        "additionalValue": "Apple Pay, Google Pay & Samsung Pay",
        "additionalInfo": "Make payments by adding your card to your digital wallet.",
        "additionalInfoUri": "https://www.bcu.com.au/cards/digital-wallets/"
      },
      {
        "featureType": "FRAUD_PROTECTION",
        "additionalInfo": "Shop safely with participating online merchants with Visa Secure and EFTPOS Secure. Please see the terms and conditions for more information.",
        "additionalInfoUri": "https://www.bcu.com.au/important-information/terms-and-conditions/visa-debit-card-terms-and-conditions/"
      },
      {
        "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": "OTHER",
        "additionalInfo": "Eligible customers can deposit foreign cheques in branch. $10 fee for foreign cheque deposits up to $25,000 AUD and $60 fee for foreign cheque deposits over $25,000 AUD. Please contact us on 1300 228 228 or visit your nearest branch for more information.",
        "additionalInfoUri": "https://www.bcu.com.au/help-centre/fees-and-charges/everyday-savings-accounts-fees-and-charges/"
      },
      {
        "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/everyday-banking/everyday-bank-accounts/golden-account/"
      }
    ],
    "constraints": [
      {
        "constraintType": "MAX_BALANCE",
        "additionalValue": "5000000.00",
        "additionalInfo": "Maximum balance is $5,000,000",
        "additionalInfoUri": "https://www.bcu.com.au/everyday-banking/everyday-bank-accounts/golden-account/"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "55",
        "additionalInfoUri": "https://www.bcu.com.au/everyday-banking/everyday-bank-accounts/golden-account/"
      },
      {
        "eligibilityType": "NATURAL_PERSON",
        "additionalInfo": "Member must be a natural person rather than another legal entity.",
        "additionalInfoUri": "https://www.bcu.com.au/everyday-banking/everyday-bank-accounts/golden-account/"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "You must be or become a BCU Bank member",
        "additionalInfoUri": "https://www.bcu.com.au/everyday-banking/everyday-bank-accounts/golden-account/"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Customers may hold up to a total of 3 Golden Account  accounts under single or joint names.",
        "additionalInfoUri": "https://www.bcu.com.au/everyday-banking/everyday-bank-accounts/golden-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/everyday-banking/everyday-bank-accounts/golden-account/"
      }
    ],
    "fees": [
      {
        "name": "Overseas Telegraphic Transfer",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "45.00"
        },
        "currency": "AUD",
        "additionalInfo": "$45 per staff assisted telegraphic transfer sent in AUD currency. $30 per staff assisted telegraphic transfer sent in a foreign currency.",
        "additionalInfoUri": "https://www.bcu.com.au/help-centre/fees-and-charges/everyday-savings-accounts-fees-and-charges/"
      },
      {
        "name": "International Transfer Fee",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "15.00"
        },
        "currency": "AUD",
        "additionalInfo": "Per online banking transfer sent in a foreign currency.",
        "additionalInfoUri": "https://www.bcu.com.au/help-centre/fees-and-charges/everyday-savings-accounts-fees-and-charges/"
      },
      {
        "name": "Cash Handling Fee",
        "feeType": "TRANSACTION",
        "feeMethodUType": "variable",
        "variable": {},
        "currency": "AUD",
        "additionalInfo": "Coin and note deposits are available at BCU branches. Coin deposits must be counted and bagged by customers or you will be charged 5% of the coin amount. Note deposits more than $10,000 per day will be charged at 0.25% of the deposit amount.",
        "additionalInfoUri": "https://www.bcu.com.au/help-centre/fees-and-charges/everyday-savings-accounts-fees-and-charges/"
      },
      {
        "name": "Bank Cheque Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        },
        "currency": "AUD",
        "additionalInfo": "Per bank cheque requested by you.",
        "additionalInfoUri": "https://www.bcu.com.au/help-centre/fees-and-charges/everyday-savings-accounts-fees-and-charges/"
      },
      {
        "name": "Manual Trace Fee",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "40.00"
        },
        "currency": "AUD",
        "additionalInfo": "Charged for your request to manually trace a payment to confirm receipt of payment.",
        "additionalInfoUri": "https://www.bcu.com.au/help-centre/fees-and-charges/everyday-savings-accounts-fees-and-charges/"
      },
      {
        "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": "Visa Chargeback Request Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "25.00"
        },
        "currency": "AUD",
        "additionalInfo": "When a cardholder raises a dispute relating to a card transaction.",
        "additionalInfoUri": "https://www.bcu.com.au/help-centre/fees-and-charges/everyday-savings-accounts-fees-and-charges/"
      },
      {
        "name": "Statement Retrieval Fee",
        "feeType": "REPLACEMENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "2.50"
        },
        "currency": "AUD",
        "additionalInfo": "Fee applies for statements over 12 months old. Payable on request to issue a copy of a previously issued statement.",
        "additionalInfoUri": "https://www.bcu.com.au/help-centre/fees-and-charges/everyday-savings-accounts-fees-and-charges/"
      },
      {
        "name": "Declined Emergency Card Fee",
        "feeType": "REPLACEMENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "70.00"
        },
        "currency": "AUD",
        "additionalInfo": "If your request for a temporary emergency Visa Debit or Credit card to temporarily replace a lost or stolen Visa Debit or Credit card is declined.",
        "additionalInfoUri": "https://www.bcu.com.au/help-centre/fees-and-charges/everyday-savings-accounts-fees-and-charges/"
      },
      {
        "name": "Audit Certificate Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "30.00"
        },
        "currency": "AUD",
        "additionalInfo": "Charged per audit certificate request.",
        "additionalInfoUri": "https://www.bcu.com.au/help-centre/fees-and-charges/everyday-savings-accounts-fees-and-charges/"
      },
      {
        "name": "RTGS From Another Bank",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "8.00"
        },
        "currency": "AUD",
        "additionalInfo": "Per payment received into your account. To cover the cost of processing 'SWIFT' payments from overseas and same day local payments through 'RTGS' (Real Time Gross Settlement) systems.",
        "additionalInfoUri": "https://www.bcu.com.au/help-centre/fees-and-charges/everyday-savings-accounts-fees-and-charges/"
      },
      {
        "name": "Manual External Transfer Fee",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "2.50"
        },
        "currency": "AUD"
      },
      {
        "name": "RTGS To Another Bank",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "25.00"
        },
        "currency": "AUD",
        "additionalInfo": "Per payment sent from your account. To cover the cost of processing 'SWIFT' payments as same day local payments through 'RTGS' (Real Time Gross Settlement) systems.",
        "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/",
        "discounts": [
          {
            "description": "On a fee for maintaining a set balance",
            "discountType": "BALANCE",
            "discountMethodUType": "rateBased",
            "rateBased": {
              "rateType": "FEE",
              "rate": "1.0",
              "amountRange": {}
            },
            "additionalValue": "50.00"
          }
        ]
      },
      {
        "name": "Visa Foreign Currency Conversion Fee",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD",
        "additionalInfo": "3% of the transaction value in AUD. When you use your Visa Credit or Debit card in a foreign currency either online or at a merchant point of sale outside or in Australia. Please refer to our website for more information.",
        "additionalInfoUri": "https://www.bcu.com.au/help-centre/fees-and-charges/everyday-savings-accounts-fees-and-charges/"
      },
      {
        "name": "Card Replacement - Standard Fee",
        "feeType": "REPLACEMENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        },
        "currency": "AUD",
        "additionalInfo": "For the replacement of a lost or damaged Visa Debit card.",
        "additionalInfoUri": "https://www.bcu.com.au/help-centre/fees-and-charges/everyday-savings-accounts-fees-and-charges/"
      },
      {
        "name": "Card Replacement - Urgent Fee",
        "feeType": "REPLACEMENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "50.00"
        },
        "currency": "AUD",
        "additionalInfo": "For the urgent replacement of a lost or damaged Visa Debit card.",
        "additionalInfoUri": "https://www.bcu.com.au/help-centre/fees-and-charges/everyday-savings-accounts-fees-and-charges/"
      },
      {
        "name": "Emergency Card Replacement - Approved Fee",
        "feeType": "REPLACEMENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "320.00"
        },
        "currency": "AUD",
        "additionalInfo": "For the issue of a temporary emergency Visa Debit card, to temporarily replace a lost, stolen or damaged Visa Debit card.",
        "additionalInfoUri": "https://www.bcu.com.au/help-centre/fees-and-charges/everyday-savings-accounts-fees-and-charges/"
      },
      {
        "name": "Foreign Cheque Deposit <$25,000 Fee",
        "feeType": "DEPOSIT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        },
        "currency": "AUD",
        "additionalInfo": "$10 fee for foreign cheque deposits up to $25,000 AUD. Eligible members can deposit foreign cheques in branch.",
        "additionalInfoUri": "https://www.bcu.com.au/help-centre/fees-and-charges/everyday-savings-accounts-fees-and-charges/"
      },
      {
        "name": "Foreign Cheque Deposit $25,000+ Fee",
        "feeType": "DEPOSIT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "60.00"
        },
        "currency": "AUD",
        "additionalInfo": "$60 fee for foreign cheque deposits of $25,000 AUD or more. Eligible members can deposit foreign cheques in branch.",
        "additionalInfoUri": "https://www.bcu.com.au/help-centre/fees-and-charges/everyday-savings-accounts-fees-and-charges/"
      }
    ],
    "depositRates": [
      {
        "depositRateType": "VARIABLE",
        "rate": "0.003",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "Stepped Balance Tier 1",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "0.00",
            "maximumValue": "9999.99",
            "rateApplicationMethod": "PER_TIER"
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "EXISTING_CUST",
            "additionalInfo": "Rate available to existing customers.",
            "additionalInfoUri": "https://www.bcu.com.au/everyday-banking/everyday-bank-accounts/golden-account/"
          },
          {
            "rateApplicabilityType": "NEW_ACCOUNTS",
            "additionalInfo": "Rate available for new accounts.",
            "additionalInfoUri": "https://www.bcu.com.au/everyday-banking/everyday-bank-accounts/golden-account/"
          },
          {
            "rateApplicabilityType": "NEW_CUSTOMER",
            "additionalInfo": "Rate available to new customers.",
            "additionalInfoUri": "https://www.bcu.com.au/everyday-banking/everyday-bank-accounts/golden-account/"
          }
        ],
        "additionalInfoUri": "https://www.bcu.com.au/help-centre/interest-rates/transaction-account-interest-rates/"
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0185",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "Stepped Balance Tier 2",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "10000.00",
            "maximumValue": "49999.99",
            "rateApplicationMethod": "PER_TIER"
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "EXISTING_CUST",
            "additionalInfo": "Rate available to existing customers.",
            "additionalInfoUri": "https://www.bcu.com.au/everyday-banking/everyday-bank-accounts/golden-account/"
          },
          {
            "rateApplicabilityType": "NEW_ACCOUNTS",
            "additionalInfo": "Rate available for new accounts.",
            "additionalInfoUri": "https://www.bcu.com.au/everyday-banking/everyday-bank-accounts/golden-account/"
          },
          {
            "rateApplicabilityType": "NEW_CUSTOMER",
            "additionalInfo": "Rate available to new customers.",
            "additionalInfoUri": "https://www.bcu.com.au/everyday-banking/everyday-bank-accounts/golden-account/"
          }
        ],
        "additionalInfoUri": "https://www.bcu.com.au/help-centre/interest-rates/transaction-account-interest-rates/"
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0235",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "Stepped Balance Tier 3",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "50000.00",
            "maximumValue": "99999.99",
            "rateApplicationMethod": "PER_TIER"
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "EXISTING_CUST",
            "additionalInfo": "Rate available to existing customers.",
            "additionalInfoUri": "https://www.bcu.com.au/everyday-banking/everyday-bank-accounts/golden-account/"
          },
          {
            "rateApplicabilityType": "NEW_ACCOUNTS",
            "additionalInfo": "Rate available for new accounts.",
            "additionalInfoUri": "https://www.bcu.com.au/everyday-banking/everyday-bank-accounts/golden-account/"
          },
          {
            "rateApplicabilityType": "NEW_CUSTOMER",
            "additionalInfo": "Rate available to new customers.",
            "additionalInfoUri": "https://www.bcu.com.au/everyday-banking/everyday-bank-accounts/golden-account/"
          }
        ],
        "additionalInfoUri": "https://www.bcu.com.au/help-centre/interest-rates/transaction-account-interest-rates/"
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.027",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "Stepped Balance Tier 4",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "100000.00",
            "maximumValue": "999999999.99",
            "rateApplicationMethod": "PER_TIER"
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "EXISTING_CUST",
            "additionalInfo": "Rate available to existing customers.",
            "additionalInfoUri": "https://www.bcu.com.au/everyday-banking/everyday-bank-accounts/golden-account/"
          },
          {
            "rateApplicabilityType": "NEW_ACCOUNTS",
            "additionalInfo": "Rate available for new accounts.",
            "additionalInfoUri": "https://www.bcu.com.au/everyday-banking/everyday-bank-accounts/golden-account/"
          },
          {
            "rateApplicabilityType": "NEW_CUSTOMER",
            "additionalInfo": "Rate available to new customers.",
            "additionalInfoUri": "https://www.bcu.com.au/everyday-banking/everyday-bank-accounts/golden-account/"
          }
        ],
        "additionalInfoUri": "https://www.bcu.com.au/help-centre/interest-rates/transaction-account-interest-rates/"
      }
    ]
  }
}