{
  "snapshot_at": "2026-11-13T01:41:27Z",
  "brand": "CommBank",
  "brand_slug": "commbank",
  "product_id": "c50f2a2cf77c47248ebbb565d2d6c1cb",
  "cdr_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/c50f2a2cf77c47248ebbb565d2d6c1cb",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://api.commbank.com.au/public/cds-au/v1/banking/products/c50f2a2cf77c47248ebbb565d2d6c1cb'",
  "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": "Debit Mastercard",
        "additionalInfo": "Use instore, online and withdraw local currency at millions of locations, everywhere Mastercard is accepted. Choose a Debit Mastercard with your CommBank account and pay for things using your card, smartphone or wearable. You may receive access to other features and benefits associated with your Debit Mastercard subject to eligibility, approval and terms and conditions.",
        "additionalInfoUri": "https://www.commbank.com.au/banking/debit-mastercard.html"
      },
      {
        "featureType": "ADDITIONAL_CARDS",
        "additionalInfo": "We may limit the number of cards that may be issued or linked to a single account or customer profile."
      },
      {
        "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": "CARD_ACCESS",
        "additionalValue": "Platinum Debit Mastercard",
        "additionalInfo": "Platinum Debit Mastercard is a premium debit card that can be linked to your CommBank transaction account and can be used everywhere Mastercard is accepted. Enjoy additional exclusive features and benefits, including complementary purchase protections, with the Platinum Debit Mastercard, subject to eligibility, approval, and terms and conditions.",
        "additionalInfoUri": "https://www.commbank.com.au/banking/platinum-debit-upgrade.html"
      },
      {
        "featureType": "CARD_ACCESS",
        "additionalValue": "World Debit Mastercard",
        "additionalInfo": "World Debit Mastercard is a premium debit card that can be linked to your CommBank transaction account and can be used everywhere Mastercard is accepted. Earn CommBank Yello points on eligible purchases using your World Debit Mastercard. The earning and redemption of CommBank Yello points are subject to meeting the eligibility criteria, including holding an eligible transaction account, as well as the applicable CommBank Yello terms and conditions. You may also enjoy additional exclusive features and benefits, including complimentary insurances and purchase protections, with the World Debit Mastercard, subject to eligibility, approval, and terms and conditions. Fees apply.",
        "additionalInfoUri": "https://www.commbank.com.au/banking/debit-cards/world-debit-mastercard.html"
      },
      {
        "featureType": "CARD_ACCESS",
        "additionalValue": "Link to Existing Card"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Securely lock your debit card in the CommBank app when you need to. And unlock it again when you don't.",
        "additionalInfoUri": "https://www.commbank.com.au/digital-banking/lock-your-debit-card.html"
      },
      {
        "featureType": "LOYALTY_PROGRAM",
        "additionalValue": "CommBank Yello",
        "additionalInfo": "CommBank Yello provides benefits for eligible CommBank customers, subject to terms and conditions. The earning and redemption of CommBank Yello Points are subject to meeting the eligibility criteria, including holding an eligible transaction account, as well as the applicable CommBank Yello terms and conditions.",
        "additionalInfoUri": "https://www.commbank.com.au/commbank-yello.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/travelbooking"
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Wherever you are in the world, CommBank gives you the choice and control to securely manage all of your accounts on a range of devices, the way you want.",
        "additionalInfoUri": "https://www.commbank.com.au/digital-banking.html"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Apple Pay",
        "additionalInfo": "Pay with your Apple(TM) device using Apple Pay.",
        "additionalInfoUri": "https://www.commbank.com.au/digital-banking/mobile-payments-wearables/apple-pay.html"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "CommBank Tap and Pay",
        "additionalInfo": "Pay with your Android phone(TM) using the CommBank app.",
        "additionalInfoUri": "https://www.commbank.com.au/digital-banking/tap-and-pay.html"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Fitbit Pay",
        "additionalInfo": "Pay with your Fitbit(TM) smartwatch using Fitbit Pay.",
        "additionalInfoUri": "https://www.commbank.com.au/digital-banking/mobile-payments-wearables/fitbit-pay.html"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Garmin Pay",
        "additionalInfo": "Pay with your Garmin(TM) smartwatch using Garmin Pay.",
        "additionalInfoUri": "https://www.commbank.com.au/digital-banking/mobile-payments-wearables/garmin-pay.html"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Google Pay",
        "additionalInfo": "Pay with your Android(TM) device using Google Pay.",
        "additionalInfoUri": "https://www.commbank.com.au/digital-banking/mobile-payments-wearables/google-pay.html"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Samsung Pay",
        "additionalInfo": "Pay with your Samsung(TM) device using Samsung Pay.",
        "additionalInfoUri": "https://www.commbank.com.au/digital-banking/mobile-payments-wearables/samsung-pay.html"
      },
      {
        "featureType": "NPP_PAYID",
        "additionalInfo": "Get faster payments between participating banks, anytime with a PayID.",
        "additionalInfoUri": "https://www.commbank.com.au/digital-banking/pay-id.html"
      },
      {
        "featureType": "NPP_ENABLED",
        "additionalInfo": "Pay and receive near real-time payments.",
        "additionalInfoUri": "https://www.commbank.com.au/digital-banking/pay-id.html"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Free assisted withdrawal is available for you to take money out at a Commonwealth Bank branch or a post office or agency, with telephone banking if using an operator, or by cashing a cheque.",
        "additionalInfoUri": "https://www.commbank.com.au/personal/docs/CBA1026_Commonwealth_Private_TCs.pdf"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "You are not required to have a card to use this product."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Manage payments from your bank account using PayTo.",
        "additionalInfoUri": "https://www.commbank.com.au/digital-banking/pay-to.html"
      },
      {
        "featureType": "RELATIONSHIP_MANAGEMENT",
        "additionalInfo": "Your dedicated Private Banker will work together with a team of in-house specialists to support you through every stage of your financial life.",
        "additionalInfoUri": "https://www.commbank.com.au/premier-private/private-banking.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": "UNLIMITED_TXNS",
        "additionalInfo": "Unlimited CommBank electronic and assisted transactions.",
        "additionalInfoUri": "https://www.commbank.com.au/personal/docs/CBA1026_Commonwealth_Private_TCs.pdf"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18",
        "additionalInfo": "The Commonwealth Private Bank Account is only available to personal customers over 18 years of age and have an Australian residential address.",
        "additionalInfoUri": "https://www.commbank.com.au/content/dam/tmd/Private-Bank-Account/privatebankaccount-tmd.pdf"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "The Commonwealth Private Bank Account is available to non-personal customers who have a domestic business, an ABN or ACN with signatories aged 18 and above or signatories after 16 to 18 with another signatory being at least 18 years old; or be a foreign company that carries on business within Australia, registered with ASIC and be determined on a case by case basis.",
        "additionalInfoUri": "https://www.commbank.com.au/content/dam/tmd/Private-Bank-Account/privatebankaccount-tmd.pdf"
      }
    ],
    "fees": [
      {
        "name": "Unpaid cheque or debit fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "currency": "AUD",
        "additionalInfo": "When we dishonour a cheque or debit presented to us because there isn't enough money in your account. We may waive certain fees or charges at our discretion. The failure by us to charge any fee or charge does not constitute a waiver of that fee or charge in the future."
      },
      {
        "name": "Account Fee",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD",
        "additionalValue": "P1M",
        "additionalInfo": "There is no account fee for this product."
      },
      {
        "name": "Access fee - ASB Bank ATMs in NZ and overseas CommBank ATMs",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "2.00"
        },
        "currency": "AUD",
        "discounts": [
          {
            "description": "When you make an international purchase, or withdraw cash at an ATM overseas using an eligible World Debit card, the access fee will be $0.",
            "discountType": "ELIGIBILITY_ONLY",
            "discountMethodUType": "fixedAmount",
            "fixedAmount": {
              "amount": "2.00"
            },
            "eligibility": [
              {
                "discountEligibilityType": "OTHER",
                "additionalInfo": "Where you withdraw cash using an eligible World Debit Mastercard, the access fee will be $0.",
                "additionalInfoUri": "https://www.commbank.com.au/banking/world-debit-mastercard.html"
              }
            ],
            "additionalInfoUri": "https://www.commbank.com.au/banking/world-debit-mastercard.html"
          }
        ],
        "additionalInfo": "When you take money out at ASB ATMs in NZ or CommBank ATMs outside Australia."
      },
      {
        "name": "Access fee - Other overseas cash and ATM withdrawals",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "rateBased",
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.035",
          "amountRange": {
            "feeMinimum": "5.00"
          }
        },
        "currency": "AUD",
        "discounts": [
          {
            "description": "When you make an international purchase, or withdraw cash at an ATM overseas using an eligible World Debit card, the access fee will be $0.",
            "discountType": "ELIGIBILITY_ONLY",
            "discountMethodUType": "rateBased",
            "rateBased": {
              "rateType": "TRANSACTION",
              "rate": "0.035",
              "amountRange": {
                "discountMinimum": "5.00"
              }
            },
            "eligibility": [
              {
                "discountEligibilityType": "OTHER",
                "additionalInfo": "Where you withdraw cash using an eligible World Debit Mastercard, the access fee will be $0.",
                "additionalInfoUri": "https://www.commbank.com.au/banking/world-debit-mastercard.html"
              }
            ],
            "additionalInfoUri": "https://www.commbank.com.au/banking/world-debit-mastercard.html"
          }
        ],
        "additionalInfo": "Any other cash withdrawals overseas will incur a fee of 3.5% of the transaction value plus a $5.00 fee."
      },
      {
        "name": "Access fee - Overseas purchases",
        "feeType": "PURCHASE",
        "feeMethodUType": "rateBased",
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.035"
        },
        "currency": "AUD",
        "discounts": [
          {
            "description": "Where your international purchases are made using an eligible World Debit Mastercard, the access fee will be $0.",
            "discountType": "ELIGIBILITY_ONLY",
            "discountMethodUType": "rateBased",
            "rateBased": {
              "rateType": "TRANSACTION",
              "rate": "0.035"
            },
            "eligibility": [
              {
                "discountEligibilityType": "OTHER",
                "additionalInfo": "Where your international purchases are made using an eligible World Debit Mastercard, the access fee will be $0.",
                "additionalInfoUri": "https://www.commbank.com.au/banking/world-debit-mastercard.html"
              }
            ],
            "additionalInfoUri": "https://www.commbank.com.au/banking/world-debit-mastercard.html"
          }
        ],
        "additionalInfo": "Purchases made overseas or in Australia (e.g. online), where the merchant is located overseas or the financial institution or entity processing transaction is located overseas."
      },
      {
        "name": "Assisted withdrawal fee",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://www.commbank.com.au/personal/docs/CBA1026_Commonwealth_Private_TCs.pdf"
      },
      {
        "name": "CBA ATM cash withdrawals in Australia",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD",
        "additionalInfo": "Free."
      },
      {
        "name": "Monthly card fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        },
        "currency": "AUD",
        "additionalInfo": "A monthly card fee for Debit Mastercard holders with an approved World Debit Mastercard.",
        "additionalInfoUri": "https://www.commbank.com.au/banking/world-debit-mastercard.html"
      }
    ],
    "depositRates": [
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0095",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "Amount",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "0.00",
            "maximumValue": "99999.99",
            "rateApplicationMethod": "PER_TIER"
          }
        ],
        "additionalInfo": "Interest is paid at a banded interest rate. With interest paid on the portion of the balance within each band and subject to terms and conditions.",
        "additionalInfoUri": "https://www.commbank.com.au/personal/apply-online/download-printed-forms/TSI_interest_rates.pdf"
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0095",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "Amount",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "100000.00",
            "maximumValue": "249999.99",
            "rateApplicationMethod": "PER_TIER"
          }
        ],
        "additionalInfo": "Interest is paid at a banded interest rate. With interest paid on the portion of the balance within each band and subject to terms and conditions.",
        "additionalInfoUri": "https://www.commbank.com.au/personal/apply-online/download-printed-forms/TSI_interest_rates.pdf"
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0095",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "Amount",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "250000.00",
            "maximumValue": "499999.99",
            "rateApplicationMethod": "PER_TIER"
          }
        ],
        "additionalInfo": "Interest is paid at a banded interest rate. With interest paid on the portion of the balance within each band and subject to terms and conditions.",
        "additionalInfoUri": "https://www.commbank.com.au/personal/apply-online/download-printed-forms/TSI_interest_rates.pdf"
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0095",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "Amount",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "500000.00",
            "maximumValue": "999999.99",
            "rateApplicationMethod": "PER_TIER"
          }
        ],
        "additionalInfo": "Interest is paid at a banded interest rate. With interest paid on the portion of the balance within each band and subject to terms and conditions.",
        "additionalInfoUri": "https://www.commbank.com.au/personal/apply-online/download-printed-forms/TSI_interest_rates.pdf"
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.016",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "Amount",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "1000000.00",
            "maximumValue": "4999999.99",
            "rateApplicationMethod": "PER_TIER"
          }
        ],
        "additionalInfo": "Interest is paid at a banded interest rate. With interest paid on the portion of the balance within each band and subject to terms and conditions.",
        "additionalInfoUri": "https://www.commbank.com.au/personal/apply-online/download-printed-forms/TSI_interest_rates.pdf"
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.026",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "Amount",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "5000000.00",
            "rateApplicationMethod": "PER_TIER"
          }
        ],
        "additionalInfo": "Interest is paid at a banded interest rate. With interest paid on the portion of the balance within each band and subject to terms and conditions.",
        "additionalInfoUri": "https://www.commbank.com.au/personal/apply-online/download-printed-forms/TSI_interest_rates.pdf"
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.149",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "repaymentType": "UNCONSTRAINED",
        "loanPurpose": "OTHER",
        "additionalInfo": "The interest rate that applies on overdrawn amounts. This is calculated daily and charged monthly/quarterly.",
        "additionalInfoUri": "https://www.commbank.com.au/personal/apply-online/download-printed-forms/TSI_interest_rates.pdf"
      }
    ],
    "productId": "c50f2a2cf77c47248ebbb565d2d6c1cb",
    "lastUpdated": "2026-11-13T11:36:58.000Z",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "name": "Commonwealth Private Bank Account",
    "description": "The Commonwealth Private Bank Account is an interest bearing transaction account which pays a banded interest rate and is exclusively available to Commonwealth Private Bank clients.",
    "brand": "CBA",
    "brandName": "CommBank",
    "isTailored": false,
    "additionalInformation": {
      "termsUri": "https://www.commbank.com.au/content/dam/commbank/personal/docs/CBA1026_Commonwealth_Private_TCs.pdf",
      "feesAndPricingUri": "https://www.commbank.com.au/personal/docs/CBA1026_Commonwealth_Private_TCs.pdf"
    },
    "cardArt": [
      {
        "cardScheme": "MASTERCARD",
        "cardType": "DEBIT",
        "title": "Debit Mastercard",
        "imageUri": "https://www.commbank.com.au/content/dam/commbank-assets/open-banking/debit_master_card.png"
      },
      {
        "cardScheme": "MASTERCARD",
        "cardType": "DEBIT",
        "title": "World Debit Mastercard",
        "imageUri": "https://www.commbank.com.au/content/dam/commbank-assets/open-banking/world_debit_master_card.png"
      },
      {
        "cardScheme": "MASTERCARD",
        "cardType": "DEBIT",
        "title": "Platinum Debit Mastercard",
        "imageUri": "https://www.commbank.com.au/content/dam/commbank-assets/open-banking/platinum_debit_master_card.png"
      }
    ]
  }
}