{
  "snapshot_at": "2026-11-13T01:41:48Z",
  "brand": "Great Southern Bank Business+",
  "brand_slug": "great-southern-bank-business",
  "product_id": "956c0e95-5302-47cc-a084-d7970eafee85",
  "cdr_url": "https://od1.open-banking.business.greatsouthernbank.com.au/api/cds-au/v1/banking/products/956c0e95-5302-47cc-a084-d7970eafee85",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://od1.open-banking.business.greatsouthernbank.com.au/api/cds-au/v1/banking/products/956c0e95-5302-47cc-a084-d7970eafee85'",
  "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": {
    "additionalInformation": {
      "additionalOverviewUris": [
        {
          "additionalInfoUri": "https://cdn.gsb1.prod.cxnpl.io/files/products/956c0e95-5302-47cc-a084-d7970eafee85/v1/Target%20Market%20Determination_Transaction%20Account_v0.1.pdf",
          "description": "Target Market Determination"
        },
        {
          "additionalInfoUri": "https://cdn.gsb1.prod.cxnpl.io/files/products/956c0e95-5302-47cc-a084-d7970eafee85/v1/app_product_summary.md",
          "description": "Product Summary"
        }
      ],
      "additionalTermsUris": [
        {
          "additionalInfoUri": "https://cdn.gsb1.prod.cxnpl.io/files/products/956c0e95-5302-47cc-a084-d7970eafee85/v1/GSB_Business_Transaction_Account_Terms_Conditions.pdf",
          "description": "Product Terms and conditions"
        },
        {
          "additionalInfoUri": "https://cdn.gsb1.prod.cxnpl.io/files/app/Terms%20and%20Conditions.pdf",
          "description": "App Terms and Conditions"
        }
      ],
      "overviewUri": "https://cdn.gsb1.prod.cxnpl.io/files/products/956c0e95-5302-47cc-a084-d7970eafee85/v1/app_product_summary.md",
      "termsUri": "https://cdn.gsb1.prod.cxnpl.io/files/products/956c0e95-5302-47cc-a084-d7970eafee85/v1/GSB_Business_Transaction_Account_Terms_Conditions.pdf"
    },
    "brand": "Credit Union Australia Ltd",
    "brandName": "Great Southern Bank Business+",
    "constraints": [
      {
        "additionalInfo": "Maximum number of transactions per day is 50.",
        "additionalValue": "50.00",
        "constraintType": "MAX_LIMIT"
      },
      {
        "additionalInfo": "International single card transaction limit of $20,000.",
        "additionalValue": "20000.00",
        "constraintType": "MAX_LIMIT"
      },
      {
        "additionalInfo": "There is a maximum limit of 50 card transactions in a 24 hour period.",
        "additionalValue": "50.00",
        "constraintType": "MAX_LIMIT"
      },
      {
        "additionalInfo": "Transaction limit per card transaction of $20,000.",
        "additionalValue": "20000.00",
        "constraintType": "MAX_LIMIT"
      },
      {
        "additionalInfo": "Maximum cumulative amount of transactions is $100,000 per day.",
        "additionalValue": "100000.00",
        "constraintType": "MAX_LIMIT"
      },
      {
        "additionalInfo": "You can only hold a maximum of 99 cards for this product.",
        "additionalValue": "99.00",
        "constraintType": "MAX_LIMIT"
      },
      {
        "additionalInfo": "Single cash ATM/POS withdrawal limit of $2,010.",
        "additionalValue": "2010.00",
        "constraintType": "MAX_LIMIT"
      },
      {
        "additionalInfo": "Authorised overdraft minimum overdraft amount.",
        "additionalValue": "10000.00",
        "constraintType": "MIN_LIMIT"
      },
      {
        "additionalInfo": "Daily domestic single card transaction limit of $20,000.",
        "additionalValue": "20000.00",
        "constraintType": "MAX_LIMIT"
      },
      {
        "additionalInfo": "Maximum single transaction limit of $30,000.",
        "additionalValue": "30000.00",
        "constraintType": "MAX_LIMIT"
      },
      {
        "additionalInfo": "You can only hold a maximum of 10 accounts for this product.",
        "additionalValue": "10.00",
        "constraintType": "MAX_LIMIT"
      },
      {
        "additionalInfo": "Minimum single transaction limit of $0.01.",
        "additionalValue": "0.01",
        "constraintType": "MIN_LIMIT"
      },
      {
        "additionalInfo": "Authorised overdraft maximum Credit Limit.",
        "additionalValue": "50000.00",
        "constraintType": "MAX_LIMIT"
      },
      {
        "additionalInfo": "Offline transaction limit of $250.",
        "additionalValue": "250.00",
        "constraintType": "MAX_LIMIT"
      }
    ],
    "depositRates": [
      {
        "additionalInfo": "There is no credit interest on this product.",
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "depositRateType": "VARIABLE",
        "rate": "0"
      }
    ],
    "description": "Everday banking for your business. Manage business cashflow and expenses.",
    "effectiveFrom": "2024-09-13T01:55:00Z",
    "eligibility": [
      {
        "additionalInfo": "To open an account, you must have an Australian Address.",
        "eligibilityType": "OTHER"
      },
      {
        "additionalInfo": "To open an account, you will need to download, register and activate your Great Southern Bank Business app.",
        "eligibilityType": "OTHER"
      },
      {
        "additionalInfo": "To open an account, you must meet our ID verification requirements.",
        "eligibilityType": "OTHER"
      },
      {
        "additionalValue": "18",
        "eligibilityType": "MIN_AGE"
      },
      {
        "additionalValue": "You must be an Australian tax resident.",
        "eligibilityType": "RESIDENCY_STATUS"
      },
      {
        "additionalInfo": "In order to apply an overdraft on this product, you will be subject to additional criteria including but not limited to: your business must be registered for GST; and your business must be wholly or predominantly available for business purposes operating in Australia.",
        "eligibilityType": "OTHER"
      },
      {
        "additionalInfo": "To open an account, you must have an active ABN or ACN, and you must be registered as either a Sole Trader, Private Company, Partnership, Trust or a Self-Managed Super Fund (SMSF) with the Australian Business Register.",
        "eligibilityType": "BUSINESS"
      },
      {
        "additionalInfo": "You must have an Australian mobile number and a valid email address.",
        "eligibilityType": "OTHER"
      }
    ],
    "features": [
      {
        "additionalInfo": "Make transfers and send payments in real time.",
        "featureType": "NPP_ENABLED"
      },
      {
        "additionalInfo": "You can access your accounts on your mobile for all your online banking.",
        "featureType": "DIGITAL_BANKING"
      },
      {
        "additionalInfo": "Use this account to make and receive PayID payments.",
        "featureType": "NPP_PAYID"
      },
      {
        "additionalInfo": "The product includes fraud protection functionality.",
        "featureType": "FRAUD_PROTECTION"
      },
      {
        "additionalInfo": "Unlimited transfers between your savings and transaction accounts.",
        "featureType": "UNLIMITED_TXNS"
      },
      {
        "additionalInfo": "An overdraft facility is available (subject to approval).",
        "featureType": "OVERDRAFT"
      },
      {
        "additionalValue": "All statements, notices and other communication in connection with these terms and conditions and your account may be given electronically by Great Southern Bank by: email, text message, in app push notifications, in app prompts, or letting you know by email, text message or push notification that the information is available on the app or on a website. You should check your emails, text messages and push notifications regularly.",
        "featureType": "NOTIFICATIONS"
      },
      {
        "additionalValue": "Add your card to your digital wallet for quick and easy payments on the go.",
        "featureType": "DIGITAL_WALLET"
      },
      {
        "additionalValue": "Link your transaction account to Mastercard® debit card.",
        "featureType": "CARD_ACCESS"
      },
      {
        "additionalInfo": "Subject to terms and conditions, you may need to nominate a guarantor during the origination process for an overdraft.",
        "featureType": "GUARANTOR"
      }
    ],
    "fees": [
      {
        "currency": "AUD",
        "feeMethodUType": "fixedAmount",
        "feeType": "WITHDRAWAL",
        "fixedAmount": {
          "amount": "0.00"
        },
        "name": "ATM"
      },
      {
        "currency": "AUD",
        "feeMethodUType": "fixedAmount",
        "feeType": "TRANSACTION",
        "fixedAmount": {
          "amount": "0.00"
        },
        "name": "Electronic Fee"
      },
      {
        "currency": "AUD",
        "feeMethodUType": "fixedAmount",
        "feeType": "TRANSACTION",
        "fixedAmount": {
          "amount": "0.00"
        },
        "name": "Mastercard Debit - Domestic"
      },
      {
        "currency": "AUD",
        "feeMethodUType": "rateBased",
        "feeType": "TRANSACTION",
        "name": "Mastercard Debit - International",
        "rateBased": {
          "rate": "0.0295",
          "rateType": "TRANSACTION"
        }
      }
    ],
    "isTailored": false,
    "lastUpdated": "2026-10-22T05:00:05.063957Z",
    "lendingRates": [
      {
        "additionalInfo": "Only applicable to Authorised Overdraft. Customer margin may apply",
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "VARIABLE",
        "loanPurpose": "OTHER",
        "rate": "0.1095",
        "repaymentType": "OTHER"
      },
      {
        "additionalValue": "Only applicable to Unarranged Credit Limit. Applied every month to the portion of the overdraft which exceeds their Approved Credit Limit.",
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "PENALTY",
        "loanPurpose": "OTHER",
        "rate": "0.2545",
        "repaymentType": "OTHER"
      }
    ],
    "name": "Business+ Account",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "productId": "956c0e95-5302-47cc-a084-d7970eafee85"
  }
}