{ "snapshot_at": "2026-10-22T13:25:08Z", "brand": "Heartland", "brand_slug": "heartland", "product_id": "S01.1", "cdr_url": "https://api.cdr.heartlandbank.com.au/cds-au/v1/banking/products/S01.1", "x_v": 7, "how_to_fetch": "curl -H 'x-v: 7' 'https://api.cdr.heartlandbank.com.au/cds-au/v1/banking/products/S01.1'", "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": "S01.1", "effectiveFrom": "2022-06-23T03:00:03Z", "effectiveTo": "2030-06-24T23:00:10Z", "lastUpdated": "2026-03-13T03:53:48Z", "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS", "name": "Access Account", "description": "Our Access account is your complete everyday transaction account.", "brand": "Heartland Bank", "brandName": "Heartland Bank", "isTailored": false, "additionalInformation": { "overviewUri": "https://www.heartlandbank.com.au/generalterms", "termsUri": "https://www.heartlandbank.com.au/generalterms", "eligibilityUri": "https://www.heartlandbank.com.au/generalterms", "feesAndPricingUri": "https://www.heartlandbank.com.au/feescharges-schedule" }, "cardArt": [ { "title": "Visa Debit card", "imageUri": "https://ib.heartlandbank.com.au/banking/HBRetail/images/TCIBicons/VisaCard.png", "cardScheme": "VISA", "cardType": "DEBIT" } ], "features": [ { "featureType": "BILL_PAYMENT", "additionalValue": "BPAY", "additionalInfo": "Make unlimited fee-free bill payments using BPAY via Internet Banking or from our app." }, { "featureType": "DIGITAL_BANKING", "additionalInfo": "Make fee-free Pay anyone or BPAY transactions via Internet Banking or from our app." }, { "featureType": "ADDITIONAL_CARDS", "additionalValue": "Unlimited", "additionalInfo": "Receive additional fee-free Visa Debit cards to make purchases or cash-out transactions within Australia." }, { "featureType": "DIGITAL_WALLET", "additionalValue": "The Visa Debit card can be added to Apple Pay." }, { "featureType": "CARD_ACCESS", "additionalValue": "Visa Debit card", "additionalInfo": "Receive a fee-free Visa Debit card to make purchases or cash-out transactions within Australia and worldwide." }, { "featureType": "UNLIMITED_TXNS", "additionalInfo": "Make unlimited fee-free transactions using the Visa Debit card, or via Internet Banking or Mobile Banking." }, { "featureType": "OFFSET", "additionalInfo": "The Access Account can be linked in an offset arrangement with eligible home and investment loan held with us." } ], "eligibility": [ { "eligibilityType": "OTHER", "additionalInfo": "To open an account, you must be an existing customer with a valid email address and an Australian mobile number.", "additionalInfoUri": "https://www.heartlandbank.com.au/generalterms" }, { "eligibilityType": "RESIDENCY_STATUS", "additionalValue": "To open an account, you must be solely a tax resident of Australia.", "additionalInfoUri": "https://www.heartlandbank.com.au/generalterms" }, { "eligibilityType": "MIN_AGE", "additionalValue": "14", "additionalInfo": "To open an account, you must be 14 years or older.", "additionalInfoUri": "https://www.heartlandbank.com.au/generalterms" } ], "fees": [ { "name": "Visa Debit card - replacement (express post)", "feeType": "EVENT", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "22.50" }, "currency": "AUD", "additionalInfo": "Visa Debit card replacement (express post). Replacement by regular post is fee-free.", "additionalInfoUri": "https://www.heartlandbank.com.au/feescharges-schedule" }, { "name": "Audit certificate", "feeType": "EVENT", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "35.00" }, "currency": "AUD", "additionalInfo": "Fee charged for Audit Certificates.", "additionalInfoUri": "https://www.heartlandbank.com.au/feescharges-schedule" }, { "name": "Special answer (cheque deposits)", "feeType": "EVENT", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "15.00" }, "currency": "AUD", "additionalInfo": "Special answer fee for cheque deposits.", "additionalInfoUri": "https://www.heartlandbank.com.au/feescharges-schedule" }, { "name": "Voucher retrieval", "feeType": "EVENT", "feeMethodUType": "variable", "variable": {}, "currency": "AUD", "additionalValue": "Voucher retrieval fee. Minimum $20.00 ($60 per hour).", "additionalInfo": "Fee charged for voucher/information retrieval by us.", "additionalInfoUri": "https://www.heartlandbank.com.au/feescharges-schedule" }, { "name": "Overdrawn account", "feeType": "EVENT", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "10.00" }, "currency": "AUD", "additionalInfo": "Fee charged on overdrawn accounts (per occurrence).", "additionalInfoUri": "https://www.heartlandbank.com.au/feescharges-schedule" }, { "name": "Dishonour fee", "feeType": "EVENT", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "10.00" }, "currency": "AUD", "additionalInfo": "Dishonour fee charged on Pay anyone, BPAY, cheque and Direct Debit dishonours.", "additionalInfoUri": "https://www.heartlandbank.com.au/feescharges-schedule" }, { "name": "Stop cheque fee", "feeType": "EVENT", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "15.00" }, "currency": "AUD", "additionalInfo": "Stop cheque requests - lost or stolen. Fee is per cheque.", "additionalInfoUri": "https://www.heartlandbank.com.au/feescharges-schedule" }, { "name": "Electronic transfer - Branch assisted", "feeType": "TRANSACTION", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "10.00" }, "currency": "AUD", "additionalInfo": "Fee charged when one-off Pay anyone, BPAY, or transfers are made on behalf of customers by us.", "additionalInfoUri": "https://www.heartlandbank.com.au/feescharges-schedule" }, { "name": "Periodical payment - Branch assisted", "feeType": "PAYMENT", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "5.00" }, "currency": "AUD", "additionalInfo": "Fee charged when periodical Pay anyone or BPAY payments are made on behalf of customers by us. Fee charged per transaction.", "additionalInfoUri": "https://www.heartlandbank.com.au/feescharges-schedule" }, { "name": "Statement reissue", "feeType": "EVENT", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "5.00" }, "currency": "AUD", "additionalInfo": "Fee charged when statement is reissued on behalf of customers by us. Fee charged per statement reissue.", "additionalInfoUri": "https://www.heartlandbank.com.au/feescharges-schedule" }, { "name": "Emergency card replacement", "feeType": "EVENT", "feeMethodUType": "variable", "variable": {}, "currency": "AUD", "additionalInfo": "Emergency card replacement fee is charged by Visa at cost. Which is usually around $175-$200 USD." }, { "name": "International transaction fees", "feeType": "EVENT", "feeMethodUType": "variable", "variable": {}, "currency": "AUD", "additionalInfo": "When a visa debit card is used overseas for purchase/cashout, the fees charged is 1.5% of the Australia dollar transaction amount. This is added to the total transaction, which will display on the statement." } ], "depositRates": [ { "rate": "0.0000", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "applicabilityConditions": [ { "rateApplicabilityType": "OTHER", "additionalInfo": "All the balances are eligible for advertised interest rate and is calculated as per the general terms.", "additionalInfoUri": "https://www.hearatlandbank.com.au/general-terms" } ], "depositRateType": "VARIABLE" } ] } }