{
  "snapshot_at": "2026-11-13T01:41:27Z",
  "brand": "CommBank",
  "brand_slug": "commbank",
  "product_id": "07546f4ac1d4455d8dd2f3954d33ca68",
  "cdr_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/07546f4ac1d4455d8dd2f3954d33ca68",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://api.commbank.com.au/public/cds-au/v1/banking/products/07546f4ac1d4455d8dd2f3954d33ca68'",
  "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": "Business Visa Debit Card",
        "additionalInfo": "Access your own business funds to pay bills and suppliers online, over the phone or in person.",
        "additionalInfoUri": "https://www.commbank.com.au/business/bank-accounts/business-visa-debit-card.html"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Streamline your business banking and save time with automatic data feeds from your online banking to your accounting software.",
        "additionalInfoUri": "https://www.commbank.com.au/business/automated-bank-feeds-to-accounting-software.html"
      },
      {
        "featureType": "NPP_PAYID",
        "additionalInfo": "Rather than wait hours or days for payments from another bank to clear, receive money almost instantly, so you know exactly where your business stands financially.",
        "additionalInfoUri": "https://www.commbank.com.au/digital-banking/pay-id.html"
      },
      {
        "featureType": "BILL_PAYMENT",
        "additionalValue": "BPAY View",
        "additionalInfo": "See, track and easily pay your bills online in NetBank or on the go in the CommBank app.",
        "additionalInfoUri": "https://www.commbank.com.au/digital-banking/bpay-view.html"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Access a range of travel benefits through Travel Booking (provided by Hopper) for eligible customers.",
        "additionalInfoUri": "https://www.commbank.com.au/travel/travel-booking.html"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Obtain Cheque Books."
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Regardless of your business structure and needs, we have an online banking solution that will suit you.",
        "additionalInfoUri": "https://www.commbank.com.au/business/online-banking/compare-netbank-and-commbiz.html"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Your free business insights tool available in CommBiz and NetBank.",
        "additionalInfoUri": "https://www.commbank.com.au/business/online-banking/commbiz/daily-iq.html"
      },
      {
        "featureType": "NPP_ENABLED",
        "additionalInfo": "Pay and receive payments in realtime."
      },
      {
        "featureType": "OVERDRAFT",
        "additionalInfo": "You may apply to establish an overdraft limit on an eligible account. Applications are subject to our normal credit approval.",
        "additionalInfoUri": "https://www.commbank.com.au/business/loans-and-finance/business-overdraft.html"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Use QR Cardless to withdraw cash or deposit notes, coins and cheques (subject to product eligibility) by using the latest version of the CommBank app to scan a QR code at a compatible CommBank ATM.",
        "additionalInfoUri": "https://www.commbank.com.au/digital-banking/qr-cardless.html"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Relationship managed"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "BUSINESS"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "To be eligible you need to have a valid ABN, ACN, or an association created and operating in Australia. Further Eligibility depends on your specific organisation structure. Please see CommBank website below for more information.",
        "additionalInfoUri": "https://www.commbank.com.au/business/support/documents.html"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Relationship managed clients only."
      }
    ],
    "fees": [
      {
        "name": "Coin handling fee",
        "feeType": "TRANSACTION",
        "feeMethodUType": "rateBased",
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.01"
        },
        "currency": "AUD",
        "additionalInfo": "The coin handling is 1% of the total value of the coin component of all deposit and withdrawal transactions, where the total value of coins handled exceeds $1,000 per day. This fee is debited on the day the transactions are processed. This fee does not apply to deposits made via QuickCash envelopes.",
        "additionalInfoUri": "https://www.commbank.com.au/content/dam/commbank/business/pds/ADB2916.pdf"
      },
      {
        "name": "Dishonour fee",
        "feeType": "DISHONOUR",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "currency": "AUD",
        "additionalInfo": "$5 per payment. Charged to the account, due to insufficient available funds, when we are unable to debit the account.",
        "additionalInfoUri": "https://www.commbank.com.au/content/dam/commbank/business/pds/ADB2916.pdf"
      },
      {
        "name": "Note handling fee",
        "feeType": "TRANSACTION",
        "feeMethodUType": "rateBased",
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.0025"
        },
        "currency": "AUD",
        "additionalInfo": "The note handling is 0.25% of the total value of the notes component of all deposit and withdrawal transactions, where the total value of notes handled exceeds $50,000 per day. This fee is debited on the day the transactions are processed. This fee does not apply to deposits made via QuickCash envelopes.",
        "additionalInfoUri": "https://www.commbank.com.au/content/dam/commbank/business/pds/ADB2916.pdf"
      },
      {
        "name": "Paper Statement Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "currency": "AUD",
        "additionalInfo": "A paper statement fee applies if you request a paper copy of an account statement at any time.",
        "additionalInfoUri": "https://www.commbank.com.au/content/dam/commbank/business/pds/ADB2916.pdf"
      },
      {
        "name": "Overdraw Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "15.00"
        },
        "currency": "AUD",
        "additionalInfo": "A fee charged when you exceed the available funds in your account or any agreed overdraft limit on a given day. Additional interest may apply on overdrawn amounts.",
        "additionalInfoUri": "https://www.commbank.com.au/content/dam/commbank/business/pds/ADB2916.pdf"
      },
      {
        "name": "Monthly account fee",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "currency": "AUD",
        "additionalValue": "P1M",
        "additionalInfo": "Calculated at the end of each month and charged to your account on the first day of the following month.",
        "additionalInfoUri": "https://www.commbank.com.au/content/dam/commbank/business/pds/ADB2916.pdf"
      },
      {
        "name": "Access fee - Overseas transactions",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "rateBased",
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.035",
          "amountRange": {
            "feeMinimum": "5.00"
          }
        },
        "currency": "AUD",
        "additionalInfo": "Any other cash withdrawal overseas: AUD $5 plus 3.5% of the transaction value.",
        "additionalInfoUri": "https://www.commbank.com.au/content/dam/commbank/business/pds/ADB2916.pdf"
      },
      {
        "name": "Access fee - Overseas transactions",
        "feeType": "PURCHASE",
        "feeMethodUType": "rateBased",
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.035"
        },
        "currency": "AUD",
        "additionalInfo": "Maestro (EFTPOS) or Visa Debit Card or Debit MasterCard purchase in Australian dollars: 3.5% of the transaction value.",
        "additionalInfoUri": "https://www.commbank.com.au/content/dam/commbank/business/pds/ADB2916.pdf"
      },
      {
        "name": "Access fee - Overseas transactions",
        "feeType": "PURCHASE",
        "feeMethodUType": "rateBased",
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.035"
        },
        "currency": "AUD",
        "additionalInfo": "Maestro (EFTPOS) or Visa Debit Card or Debit MasterCard purchase in foreign currency: 3.5% of the transaction value.",
        "additionalInfoUri": "https://www.commbank.com.au/content/dam/commbank/business/pds/ADB2916.pdf"
      },
      {
        "name": "Withdrawals or transfers made via telephone banking using an operator",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "currency": "AUD",
        "additionalInfo": "Withdrawals or transfers made via telephone banking using an operator.",
        "additionalInfoUri": "https://www.commbank.com.au/content/dam/commbank/business/pds/ADB2916.pdf"
      },
      {
        "name": "CommBank ATMs outside Australia",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "2.00"
        },
        "currency": "AUD",
        "additionalInfo": "The fee is charged to the account at the time of the withdrawal. This fee may be charged for each withdrawal you make through ATMs and Maestro, Cirrus, MasterCard or Visa Plus networks outside Australia.",
        "additionalInfoUri": "https://www.commbank.com.au/content/dam/commbank/business/pds/ADB2916.pdf"
      },
      {
        "name": "Assisted transactions",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "currency": "AUD",
        "additionalInfo": "Withdrawals made over the counter at a Commonwealth Bank branch, Australia Post office or private agency (including EFTPOB/Bank@Post).",
        "additionalInfoUri": "https://www.commbank.com.au/content/dam/commbank/business/pds/ADB2916.pdf"
      },
      {
        "name": "Cheques transactions",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "currency": "AUD",
        "additionalInfo": "Cheques written by you and negotiated through the clearing system.",
        "additionalInfoUri": "https://www.commbank.com.au/content/dam/commbank/business/pds/ADB2916.pdf"
      },
      {
        "name": "Assisted transactions",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "currency": "AUD",
        "additionalInfo": "Cheques drawn on your account and cashed over-the-counter at any Commonwealth Bank branch.",
        "additionalInfoUri": "https://www.commbank.com.au/content/dam/commbank/business/pds/ADB2916.pdf"
      },
      {
        "name": "Assisted deposits",
        "feeType": "DEPOSIT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "currency": "AUD",
        "additionalInfo": "Deposits made over the counter at a Commonwealth Bank branch, Australia Post office or private agency (including EFTPOB/Bank@Post).",
        "additionalInfoUri": "https://www.commbank.com.au/content/dam/commbank/business/pds/ADB2916.pdf"
      },
      {
        "name": "Quick Deposits",
        "feeType": "DEPOSIT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        },
        "currency": "AUD",
        "additionalInfo": "Deposits made via the Quick Deposit Box or QuickCash envelope banking.",
        "additionalInfoUri": "https://www.commbank.com.au/content/dam/commbank/business/pds/ADB2916.pdf"
      },
      {
        "name": "Cheque transactions",
        "feeType": "DEPOSIT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "currency": "AUD",
        "additionalInfo": "Cheques deposited to your account (including cheques deposited via Quick Deposits or QuickCash envelope banking).",
        "additionalInfoUri": "https://www.commbank.com.au/content/dam/commbank/business/pds/ADB2916.pdf"
      },
      {
        "name": "Electronic transactions",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD",
        "additionalInfo": "Customers with a Business Cheque Account are entitled to electronic transactions. Please note Access, CommBiz and NetBank Service Fees may apply.",
        "additionalInfoUri": "https://www.commbank.com.au/content/dam/commbank/business/pds/ADB2916.pdf"
      }
    ],
    "depositRates": [
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0001",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "Amount",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "0.00",
            "maximumValue": "99999.99",
            "rateApplicationMethod": "PER_TIER"
          }
        ]
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0001",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "Amount",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "100000.00",
            "rateApplicationMethod": "PER_TIER"
          }
        ]
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.1693",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "OTHER",
        "tiers": [
          {
            "name": "BALANCE",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "0.01",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "For each day your account remains overdrawn, Excess Debit Interest will be applied. The interest rate is calculated daily on the portion of the debit balance which exceeds the limit. This does not apply to accounts with an overdraft limit.",
            "additionalInfoUri": "https://www.commbank.com.au/business/bank-accounts/standard-business-cheque-account.html"
          }
        ],
        "additionalInfo": "For each day your account remains overdrawn, Excess Debit Interest will be applied. This does not apply to accounts with an overdraft limit.",
        "additionalInfoUri": "https://www.commbank.com.au/business/loans-and-finance/business-overdraft.html"
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.1793",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "OTHER",
        "tiers": [
          {
            "name": "BALANCE",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "0.00",
            "maximumValue": "0.00",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "For each day your account remains overdrawn, Excess Debit Interest will be applied. The interest rate is calculated daily on the portion of the debit balance which exceeds the limit. This does not apply to accounts with an overdraft limit.",
            "additionalInfoUri": "https://www.commbank.com.au/business/bank-accounts/standard-business-cheque-account.html"
          }
        ],
        "additionalInfo": "For each day your account remains overdrawn, Excess Debit Interest will be applied. This does not apply to accounts with an overdraft limit.",
        "additionalInfoUri": "https://www.commbank.com.au/business/loans-and-finance/business-overdraft.html"
      }
    ],
    "productId": "07546f4ac1d4455d8dd2f3954d33ca68",
    "lastUpdated": "2026-11-13T12:01:08.000Z",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "name": "Standard Business Cheque Account - Interest Bearing Option",
    "description": "Transaction accounts that pays interest above minimum balances.",
    "brand": "CBA",
    "brandName": "CommBank",
    "isTailored": true,
    "additionalInformation": {
      "overviewUri": "https://www.commbank.com.au/business/bank-accounts/standard-business-cheque-account.html",
      "termsUri": "https://www.commbank.com.au/content/dam/commbank/business/pds/ADB2916.pdf",
      "eligibilityUri": "https://www.commbank.com.au/content/dam/tmd/Standard-Business-Cheque-Account/standardbusinesschequeaccount-tmd.pdf",
      "feesAndPricingUri": "https://www.commbank.com.au/content/dam/commbank/business/pds/ADB2916.pdf"
    },
    "cardArt": [
      {
        "cardScheme": "VISA",
        "cardType": "DEBIT",
        "title": "Business Visa Debit Card",
        "imageUri": "https://www.commbank.com.au/content/dam/commbank-assets/open-banking/bvdc-header.jpg"
      }
    ]
  }
}