{ "snapshot_at": "2026-10-22T13:24:29Z", "brand": "Beyond Bank Australia", "brand_slug": "beyond-bank-australia", "product_id": "8", "cdr_url": "https://public.cdr.api.beyondbank.com.au/cds-au/v1/banking/products/8", "x_v": 7, "how_to_fetch": "curl -H 'x-v: 7' 'https://public.cdr.api.beyondbank.com.au/cds-au/v1/banking/products/8'", "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": "8", "effectiveFrom": "2004-04-04T14:30:00.0000000Z", "lastUpdated": "2026-09-23T04:00:31.7116313Z", "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS", "name": "Business Transaction Account", "description": "Business Transaction Account is a simple flexible everyday banking account with no monthly account fees and low transaction fees.", "brand": "BYD", "brandName": "Beyond Bank Australia", "applicationUri": "https://www.beyondbank.com.au/business/banking/business-transaction-account/", "isTailored": false, "additionalInformation": { "overviewUri": "https://www.beyondbank.com.au/business/banking/business-transaction-account/", "termsUri": "https://www.beyondbank.com.au/business/banking/business-transaction-account/", "eligibilityUri": "https://www.beyondbank.com.au/business/banking/business-transaction-account/", "feesAndPricingUri": "https://www.beyondbank.com.au/business/banking/business-transaction-account/" }, "features": [ { "featureType": "ADDITIONAL_CARDS" }, { "featureType": "BILL_PAYMENT", "additionalInfo": "BPAY available.", "additionalInfoUri": "https://www.beyondbank.com.au/help-and-contact/faqs/internet-banking/how-do-i-use-bpay-on-internet-banking/" }, { "featureType": "CARD_ACCESS", "additionalValue": "Visa Debit Card available" }, { "featureType": "DIGITAL_BANKING", "additionalInfo": "Access your money 24/7 through Internet Banking, Telephone Banking or Mobile Banking services", "additionalInfoUri": "https://www.beyondbank.com.au/bank-and-save/switch-to-beyond-bank/" }, { "featureType": "DIGITAL_WALLET", "additionalValue": "Mobile Wallet", "additionalInfo": "Load your Beyond Bank Visa Debit card to your phone to make fast and easy transactions.", "additionalInfoUri": "https://www.beyondbank.com.au/bank-and-save/switch-to-beyond-bank/mobile-wallet/" }, { "featureType": "FREE_TXNS_ALLOWANCE", "additionalValue": "0.00", "additionalInfo": "Some transaction fees are covered by your monthly. Business Banking fee allowance. Check the Fees & Charges guide to see what your allowance includes and what other fees may apply.", "additionalInfoUri": "https://brand.beyondbank.com.au/business/banking/business-transaction-account/" }, { "featureType": "NPP_ENABLED", "additionalInfo": "New Payments Platform (NPP) available. Allows you to send and receive money instantly between eligible accounts with your PayID.", "additionalInfoUri": "https://www.beyondbank.com.au/bank-and-save/switch-to-beyond-bank/osko/" }, { "featureType": "NPP_PAYID", "additionalInfo": "New Payments Platform (NPP) is available. Use your mobile number or email as your PayID to send and receive money instantly between eligible accounts.", "additionalInfoUri": "https://www.beyondbank.com.au/bank-and-save/switch-to-beyond-bank/osko/" }, { "featureType": "OVERDRAFT", "additionalInfo": "Overdraft - Optional. Normal lending criteria applies." } ], "eligibility": [ { "eligibilityType": "BUSINESS", "additionalInfo": "This account is only available to business members." }, { "eligibilityType": "OTHER", "additionalInfo": "Membership: You must be or become a Beyond Bank Australia member" } ], "fees": [ { "name": "Business Acct Visa Cash Out", "feeType": "TRANSACTION", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "0.90" }, "currency": "AUD", "additionalInfo": "This fee is payable each time you make a purchase with your visa card and choose to withdraw cash in the same transaction." }, { "name": "Business Acct EFTPOS Fee", "feeType": "TRANSACTION", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "0.90" }, "currency": "AUD", "additionalInfo": "This fee is payable for each EFTPOS transaction you make with your card on this account." }, { "name": "Business AcctTransfer Fee", "feeType": "TRANSACTION", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "3.00" }, "currency": "AUD", "additionalInfo": "This fee is payable for each time a staff member completes a transfer from your account." }, { "name": "Bus Acct Over The Counter Fee", "feeType": "TRANSACTION", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "3.00" }, "currency": "AUD", "additionalInfo": "This fee is payable for each time a staff member completes a transaction in a branch on your account." }, { "name": "Direct Debit Fee", "feeType": "TRANSACTION", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "0.50" }, "currency": "AUD", "additionalInfo": "This fee is payable each time a direct debit is deducted from your account." }, { "name": "IB External/PayID Transfer Fee", "feeType": "TRANSACTION", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "1.00" }, "currency": "AUD", "additionalInfo": "This fee is payable for each transfer you make to another Financial Institution using PayID via Internet Banking." } ], "depositRates": [ { "depositRateType": "VARIABLE", "rate": "0.0001", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "tiers": [ { "name": "Floating Balance Tier 1", "unitOfMeasure": "DOLLAR", "minimumValue": "0.00", "maximumValue": "19999.99", "rateApplicationMethod": "WHOLE_BALANCE" } ], "additionalInfo": "Interest is calculated daily and paid on the last day of each month." }, { "depositRateType": "VARIABLE", "rate": "0.0005", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "tiers": [ { "name": "Floating Balance Tier 2", "unitOfMeasure": "DOLLAR", "minimumValue": "20000.00", "maximumValue": "49999.99", "rateApplicationMethod": "WHOLE_BALANCE" } ], "additionalInfo": "Interest is calculated daily and paid on the last day of each month." }, { "depositRateType": "VARIABLE", "rate": "0.0005", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "tiers": [ { "name": "Floating Balance Tier 3", "unitOfMeasure": "DOLLAR", "minimumValue": "50000.00", "maximumValue": "99999.99", "rateApplicationMethod": "WHOLE_BALANCE" } ], "additionalInfo": "Interest is calculated daily and paid on the last day of each month." }, { "depositRateType": "VARIABLE", "rate": "0.0005", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "tiers": [ { "name": "Floating Balance Tier 4", "unitOfMeasure": "DOLLAR", "minimumValue": "100000.00", "maximumValue": "249999.99", "rateApplicationMethod": "WHOLE_BALANCE" } ], "additionalInfo": "Interest is calculated daily and paid on the last day of each month." }, { "depositRateType": "VARIABLE", "rate": "0.0005", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "tiers": [ { "name": "Floating Balance Tier 5", "unitOfMeasure": "DOLLAR", "minimumValue": "250000.00", "rateApplicationMethod": "WHOLE_BALANCE" } ], "additionalInfo": "Interest is calculated daily and paid on the last day of each month." } ] } }