{
  "snapshot_at": "2026-11-05T03:30:53Z",
  "brand": "BNK Bank (Goldfields Money/BCHL)",
  "brand_slug": "bnk-bank-goldfields-money-bchl",
  "product_id": "1001",
  "cdr_url": "https://public.cdr.bnk.com.au/cds-au/v1/banking/products/1001",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://public.cdr.bnk.com.au/cds-au/v1/banking/products/1001'",
  "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": {
    "brand": "BNK Bank (Goldfields Money/BCHL)",
    "description": "An everyday transaction account for savvy savers.",
    "isTailored": false,
    "lastUpdated": "2026-04-20T01:20:00.4038Z",
    "name": "Goldfields Essential Account",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "productId": "1001",
    "additionalInformation": {
      "overviewUri": null,
      "termsUri": null,
      "eligibilityUri": null,
      "feesAndPricingUri": null,
      "bundleUri": null,
      "additionalOverviewUris": [],
      "additionalTermsUris": [],
      "additionalEligibilityUris": [],
      "additionalFeesAndPricingUris": [],
      "additionalBundleUris": []
    },
    "applicationUri": null,
    "brandName": "BNK Bank (Goldfields Money/BCHL)",
    "brandGroup": null,
    "cardArt": [],
    "effectiveFrom": "2020-09-29T14:00:00Z",
    "effectiveTo": "9999-09-29T13:00:00Z",
    "bundles": [],
    "constraints": [],
    "depositRates": [
      {
        "depositRateType": "VARIABLE",
        "rate": "0.00",
        "additionalInfo": "The interest rate applied to Essential and Team zone Accounts ",
        "additionalInfoUri": "https://www.bnk.com.au/everyday-banking/transaction-account/",
        "additionalValue": null,
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "tiers": [],
        "applicationType": "PERIODIC",
        "applicabilityConditions": [
          {
            "additionalInfo": "The interest rate applied to existing transaction and team zone customer accounts ",
            "additionalInfoUri": null,
            "rateApplicabilityType": "EXISTING_CUST",
            "additionalValue": null
          },
          {
            "additionalInfo": "The interest rate applied to new transaction Accounts only",
            "additionalInfoUri": null,
            "rateApplicabilityType": "NEW_ACCOUNTS",
            "additionalValue": null
          }
        ]
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Have access to an electronic device with a working internet connection ",
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalInfo": "be in Australia and have an Australian residential address and phone number",
        "additionalInfoUri": null,
        "additionalValue": "An Australian citizen, permanent resident or Australian resident for tax purposes"
      },
      {
        "eligibilityType": "NATURAL_PERSON",
        "additionalInfo": "To open a deposit account as a personal customer, you must: - be an individual (or up to 4 individuals) - be an Australian resident for tax purposes - have a residential postal address in Australia - maintain a current email address, an Australian mobile number and always have access to an electronic device with a working internet connection",
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "eligibilityType": "MIN_AGE",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "18"
      }
    ],
    "features": [
      {
        "featureType": "DIGITAL_WALLET",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "Apple Pay"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "Google Pay"
      },
      {
        "featureType": "CARD_ACCESS",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "Yes"
      },
      {
        "featureType": "BILL_PAYMENT",
        "additionalInfo": "There is a BPAY daily limit of $10,000 per day",
        "additionalInfoUri": null,
        "additionalValue": "BPAY"
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "featureType": "UNLIMITED_TXNS",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "featureType": "ADDITIONAL_CARDS",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "ATM withdrawals - There is an ATM daily limit of $1,000",
        "additionalInfoUri": null,
        "additionalValue": null
      }
    ],
    "fees": [
      {
        "feeType": "TRANSACTION",
        "name": "RTGS/IPEX (outgoing)",
        "additionalInfo": null,
        "additionalInfoUri": "https://www.bnk.com.au/wp-content/uploads/2025/05/BNK-Goldfields-Transaction-Accounts-Fees-Charges-251112.pdf",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "35.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "TRANSACTION",
        "name": "RTGS/IPEX (incoming)",
        "additionalInfo": null,
        "additionalInfoUri": "https://www.bnk.com.au/wp-content/uploads/2025/05/BNK-Goldfields-Transaction-Accounts-Fees-Charges-251112.pdf",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Direct Debit Double Handling Fee",
        "additionalInfo": null,
        "additionalInfoUri": "https://www.bnk.com.au/wp-content/uploads/2025/05/BNK-Goldfields-Transaction-Accounts-Fees-Charges-251112.pdf",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "WITHDRAWAL",
        "name": "Overseas VISA debit card ATM withdrawal",
        "additionalInfo": null,
        "additionalInfoUri": "https://www.bnk.com.au/wp-content/uploads/2025/05/BNK-Goldfields-Transaction-Accounts-Fees-Charges-251112.pdf",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "PAYMENT",
        "name": "Direct Debit Facility Dishonour ",
        "additionalInfo": null,
        "additionalInfoUri": "https://www.bnk.com.au/wp-content/uploads/2025/05/BNK-Goldfields-Transaction-Accounts-Fees-Charges-251112.pdf",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "25.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Payment Dishonour",
        "additionalInfo": null,
        "additionalInfoUri": "https://www.bnk.com.au/wp-content/uploads/2025/05/BNK-Goldfields-Transaction-Accounts-Fees-Charges-251112.pdf",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "25.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Formal Overdraft Product Fee (Quarterly)",
        "additionalInfo": null,
        "additionalInfoUri": "https://www.bnk.com.au/wp-content/uploads/2025/05/BNK-Goldfields-Transaction-Accounts-Fees-Charges-251112.pdf",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "27.50"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "PAYMENT",
        "name": "Payment Honour",
        "additionalInfo": null,
        "additionalInfoUri": "https://www.bnk.com.au/wp-content/uploads/2025/05/BNK-Goldfields-Transaction-Accounts-Fees-Charges-251112.pdf",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "VISA or EFT Chargeback Request",
        "additionalInfo": null,
        "additionalInfoUri": "https://www.bnk.com.au/wp-content/uploads/2025/05/BNK-Goldfields-Transaction-Accounts-Fees-Charges-251112.pdf",
        "additionalValue": null,
        "currency": null,
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "25.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      }
    ],
    "lendingRates": [],
    "instalments": null
  }
}