{
  "snapshot_at": "2026-10-22T13:24:46Z",
  "brand": "Defence Bank",
  "brand_slug": "defence-bank",
  "product_id": "153",
  "cdr_url": "https://product.defencebank.com.au/cds-au/v1/banking/products/153",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://product.defencebank.com.au/cds-au/v1/banking/products/153'",
  "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": "153",
    "effectiveFrom": "2015-12-22T00:00:00.000+11:00",
    "effectiveTo": "2029-12-31T00:00:00.000+11:00",
    "lastUpdated": "2026-03-16T00:00:00.000+11:00",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "name": "Everyday Access",
    "description": "Your on-the-go transaction account, the Everyday Access account is the way to managing your day-to-day banking.",
    "brand": "Defence Bank",
    "brandName": "Defence Bank Limited",
    "applicationUri": "https://join.defencebank.com.au",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.defencebank.com.au/banking/transaction-accounts/everyday-access/",
      "termsUri": "https://www.defencebank.com.au/tools-and-advice/legal-and-compliance/disclosure-documents/",
      "eligibilityUri": "https://www.defencebank.com.au/banking/transaction-accounts/everyday-access/",
      "feesAndPricingUri": "https://www.defencebank.com.au/banking/transaction-accounts/everyday-access/",
      "additionalOverviewUris": [],
      "additionalTermsUris": [],
      "additionalEligibilityUris": [],
      "additionalFeesAndPricingUris": [],
      "additionalBundleUris": []
    },
    "cardArt": [
      {
        "cardScheme": "VISA",
        "cardType": "DEBIT",
        "title": "CardArt",
        "imageUri": "https://www.defencebank.com.au/banking/debit-card/"
      }
    ],
    "bundles": [],
    "features": [
      {
        "featureType": "DIGITAL_BANKING",
        "additionalValue": "Digital banking convenience.",
        "additionalInfoUri": "https://www.defencebank.com.au/banking/transaction-accounts/everyday-access/"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Compatible with digital wallets from Apple, Garmin, Google and Samsung.",
        "additionalInfoUri": "https://www.defencebank.com.au/banking/transaction-accounts/everyday-access/"
      },
      {
        "featureType": "NPP_ENABLED",
        "additionalValue": "Faster, simpler ways to make payments.",
        "additionalInfoUri": "https://www.defencebank.com.au/banking/transaction-accounts/everyday-access/"
      },
      {
        "featureType": "CARD_ACCESS",
        "additionalValue": "Select your own Pin",
        "additionalInfoUri": "https://www.defencebank.com.au/banking/transaction-accounts/everyday-access/"
      },
      {
        "featureType": "CARD_ACCESS",
        "additionalValue": "Your choice of camo-coloured Visa Debit card - blue, green, grey or pink.",
        "additionalInfoUri": "https://www.defencebank.com.au/banking/transaction-accounts/everyday-access/"
      },
      {
        "featureType": "NPP_PAYID",
        "additionalValue": "Easy payments in real time.",
        "additionalInfoUri": "https://www.defencebank.com.au/banking/transaction-accounts/everyday-access/"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Replace lost or stolen cards immediately. Using Quick Cards, Members can order a replacement card within the app and be issued with a virtual card that they can add to their digital wallet and use immediately. This removes the stress and inconvenience of having to wait until the physical card arrives to access funds.",
        "additionalInfoUri": "https://www.defencebank.com.au/banking/digital-wallet/"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Choose to report your card as lost or stolen or block it temporarily.",
        "additionalInfoUri": "https://www.defencebank.com.au/tools-and-advice/lost-or-stolen-cards/"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Round Ups",
        "additionalInfoUri": "https://www.defencebank.com.au/banking/transaction-accounts/everyday-access/"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Bank@Post",
        "additionalInfoUri": "https://www.defencebank.com.au/banking/transaction-accounts/everyday-access/"
      },
      {
        "featureType": "BILL_PAYMENT",
        "additionalValue": "BPAY",
        "additionalInfoUri": "https://www.defencebank.com.au/banking/transaction-accounts/everyday-access/"
      },
      {
        "featureType": "UNLIMITED_TXNS",
        "additionalInfoUri": "https://www.defencebank.com.au/banking/transaction-accounts/everyday-access/"
      },
      {
        "featureType": "NOTIFICATIONS",
        "additionalValue": "As an added security feature, Members can now set up transaction alerts on a nominated card via the mobile app to notify them whenever their account has been credited or debited. This is an optional feature that can be turned off and on.",
        "additionalInfoUri": "https://www.defencebank.com.au/banking/transaction-accounts/everyday-access/"
      },
      {
        "featureType": "OTHER",
        "additionalValue": "a new digital way to pre-authorise payments directly from your bank account",
        "additionalInfo": "PayTo",
        "additionalInfoUri": "https://www.defencebank.com.au/tools-and-advice/payto/"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "No monthly fees.",
        "additionalInfoUri": "https://www.defencebank.com.au/banking/transaction-accounts/everyday-access/"
      }
    ],
    "constraints": [],
    "eligibility": [],
    "fees": [
      {
        "name": "Emergency cash",
        "feeType": "EVENT",
        "additionalInfo": "When you request emergency cash while overseas other than through an ATM. The maximum amount of emergency cash available is $1,000 (at our discretion).",
        "additionalInfoUri": "https://www.defencebank.com.au/globalassets/documents/fees--charges/defence-bank-fees-and-charges-schedule.pdf",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "discounts": []
      },
      {
        "name": "Emergency card replacement",
        "feeType": "EVENT",
        "additionalInfo": "When you request that we replace your Visa card while you are overseas.",
        "additionalInfoUri": "https://www.defencebank.com.au/globalassets/documents/fees--charges/defence-bank-fees-and-charges-schedule.pdf",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "discounts": []
      },
      {
        "name": "Visa foreign currency conversion fee",
        "feeType": "EVENT",
        "additionalInfo": "The fee we charge when you make a payment or a deposit or obtain a cash advance overseas.",
        "additionalInfoUri": "https://www.defencebank.com.au/globalassets/documents/fees--charges/defence-bank-fees-and-charges-schedule.pdf",
        "feeMethodUType": "rateBased",
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.03",
          "accrualFrequency": "Event",
          "amountRange": {
            "feeMinimum": "0.00",
            "feeMaximum": "999999.99"
          }
        },
        "discounts": []
      },
      {
        "name": "Overseas ATM cash withdrawals or balance enquiries fee",
        "feeType": "EVENT",
        "additionalInfo": "We don't charge a fee Overseas ATM Cash withdrawals or balance enquiries",
        "additionalInfoUri": "https://www.defencebank.com.au/globalassets/documents/fees--charges/defence-bank-fees-and-charges-schedule.pdf",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "discounts": []
      },
      {
        "name": "Bank@Post™",
        "feeType": "EVENT",
        "additionalInfo": "For each cheque deposited through the Bank@Post system and subsequently dishonoured.",
        "additionalInfoUri": "https://www.defencebank.com.au/globalassets/documents/fees--charges/defence-bank-fees-and-charges-schedule.pdf",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "21.72"
        },
        "discounts": []
      },
      {
        "name": "Replacement Visa card within Australia",
        "feeType": "EVENT",
        "additionalInfo": "We don't charge a fee for Replacement Visa card within Australia",
        "additionalInfoUri": "https://www.defencebank.com.au/globalassets/documents/fees--charges/defence-bank-fees-and-charges-schedule.pdf",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "discounts": []
      },
      {
        "name": "Bank@Post (withdrawals and deposits)",
        "feeType": "EVENT",
        "additionalInfo": "We don't charge a fee for Bank@Post (withdrawals and deposits)",
        "additionalInfoUri": "https://www.defencebank.com.au/globalassets/documents/fees--charges/defence-bank-fees-and-charges-schedule.pdf",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "discounts": []
      },
      {
        "name": "Domestic ATM cash withdrawals or balance enquiries",
        "feeType": "EVENT",
        "additionalInfo": "Free withdrawals and balance enquires at Major Banks and ATMx, (all other ATMs may charge a direct charge)",
        "additionalInfoUri": "https://www.defencebank.com.au/globalassets/documents/fees--charges/defence-bank-fees-and-charges-schedule.pdf",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "discounts": []
      },
      {
        "name": "Defence Bank ATM cash withdrawals or balance enquiries",
        "feeType": "EVENT",
        "additionalInfo": "We don't charge a fee for Defence Bank ATM cash withdrawals or balance enquiries",
        "additionalInfoUri": "https://www.defencebank.com.au/globalassets/documents/fees--charges/defence-bank-fees-and-charges-schedule.pdf",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "discounts": []
      },
      {
        "name": "Same day transfers (via Swift/RTGS) - Inward",
        "feeType": "EVENT",
        "additionalInfo": "Charged when funds transferred via Swift/RTGS (same day).",
        "additionalInfoUri": "https://www.defencebank.com.au/globalassets/documents/fees--charges/defence-bank-fees-and-charges-schedule.pdf",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "6.80"
        },
        "discounts": []
      },
      {
        "name": "Same day transfers (via Swift/RTGS) - Outward",
        "feeType": "EVENT",
        "additionalInfo": "Charged when funds transferred via Swift/RTGS (same day).",
        "additionalInfoUri": "https://www.defencebank.com.au/globalassets/documents/fees--charges/defence-bank-fees-and-charges-schedule.pdf",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "11.80"
        },
        "discounts": []
      },
      {
        "name": "Record search fee",
        "feeType": "EVENT",
        "additionalInfo": "Charged where you request we search our records and retrieve documents.",
        "additionalInfoUri": "https://www.defencebank.com.au/globalassets/documents/fees--charges/defence-bank-fees-and-charges-schedule.pdf",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "50.00"
        },
        "discounts": []
      },
      {
        "name": "Dormant fee",
        "feeType": "EVENT",
        "additionalInfo": "This fee may be charged in certain circumstances when your membership is redeemed by us due to non-activity of more than 12 months.",
        "additionalInfoUri": "https://www.defencebank.com.au/globalassets/documents/fees--charges/defence-bank-fees-and-charges-schedule.pdf",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "discounts": []
      },
      {
        "name": "Ultimate Package annual fee",
        "feeType": "PERIODIC",
        "additionalValue": "P1Y",
        "additionalInfo": "Package related to a home loan Ultimate Package.",
        "additionalInfoUri": "https://www.defencebank.com.au/globalassets/documents/fees--charges/defence-bank-fees-and-charges-schedule.pdf",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "96.00"
        },
        "discounts": []
      },
      {
        "name": "Dishonours (if insufficient funds)",
        "feeType": "EVENT",
        "additionalInfo": "We don't charge a fee for dishonours",
        "additionalInfoUri": "https://www.defencebank.com.au/globalassets/documents/fees--charges/defence-bank-fees-and-charges-schedule.pdf",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "discounts": []
      },
      {
        "name": "EFTPOS transactions",
        "feeType": "EVENT",
        "additionalInfo": "We don't charge a fee for EFTPOS transactions",
        "additionalInfoUri": "https://www.defencebank.com.au/globalassets/documents/fees--charges/defence-bank-fees-and-charges-schedule.pdf",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "discounts": []
      },
      {
        "name": "PayTo",
        "feeType": "EVENT",
        "additionalInfo": "We don't charge a fee for PayTo",
        "additionalInfoUri": "https://www.defencebank.com.au/globalassets/documents/fees--charges/defence-bank-fees-and-charges-schedule.pdf",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "discounts": []
      },
      {
        "name": "Pay anyone using a BSB and account or PayID",
        "feeType": "EVENT",
        "additionalInfo": "We don't charge a fee for Pay anyone using a BSB and account number or PAYID",
        "additionalInfoUri": "https://www.defencebank.com.au/globalassets/documents/fees--charges/defence-bank-fees-and-charges-schedule.pdf",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "discounts": []
      },
      {
        "name": "BPAY",
        "feeType": "EVENT",
        "additionalInfo": "We don't charge a fee for BPAY",
        "additionalInfoUri": "https://www.defencebank.com.au/globalassets/documents/fees--charges/defence-bank-fees-and-charges-schedule.pdf",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "discounts": []
      },
      {
        "name": "Internal transfers between Defence Bank accounts",
        "feeType": "EVENT",
        "additionalInfo": "We don't charge a fee for Internal transfers between Defence Bank accounts",
        "additionalInfoUri": "https://www.defencebank.com.au/globalassets/documents/fees--charges/defence-bank-fees-and-charges-schedule.pdf",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "discounts": []
      },
      {
        "name": "Monthly account-keeping fee",
        "feeType": "PERIODIC",
        "additionalInfo": "We don't charge a monthly account-keeping fee",
        "additionalInfoUri": "https://www.defencebank.com.au/globalassets/documents/fees--charges/defence-bank-fees-and-charges-schedule.pdf",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "discounts": []
      }
    ],
    "depositRates": [
      {
        "depositRateType": "VARIABLE",
        "rate": "0",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1Y",
        "tiers": [],
        "additionalInfoUri": "https://www.defencebank.com.au/banking/transaction-accounts/everyday-access/"
      }
    ],
    "lendingRates": []
  }
}