{
  "snapshot_at": "2026-10-22T13:25:17Z",
  "brand": "ME Bank - ME Go",
  "brand_slug": "me-bank-me-go",
  "product_id": "77126e21-102c-ee11-9966-002248e1dc43",
  "cdr_url": "https://api.cds.mebank.com.au/cds-au/v1/banking/products/77126e21-102c-ee11-9966-002248e1dc43",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://api.cds.mebank.com.au/cds-au/v1/banking/products/77126e21-102c-ee11-9966-002248e1dc43'",
  "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": "77126e21-102c-ee11-9966-002248e1dc43",
    "lastUpdated": "2026-10-21T04:44:34Z",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "name": "SpendME",
    "description": "The everyday account that does good, every day.",
    "brand": "MEB",
    "brandName": "ME Bank",
    "applicationUri": "https://application.mebank.com.au/me-form/me-bank-and-save/me-apply-now/",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.mebank.com.au/banking/everyday-transaction-account/",
      "termsUri": "https://www.mebank.com.au/me-app/in-app/terms-and-conditions/",
      "eligibilityUri": "https://www.mebank.com.au/banking/everyday-transaction-account/",
      "feesAndPricingUri": "https://www.mebank.com.au/getmedia/062a4f65-614d-4b58-a9ac-c39d776ebc67/deposit-account-rates-limits-fees-charges.pdf"
    },
    "cardArt": [
      {
        "title": "Pink",
        "imageUri": "https://www.mebank.com.au/getmedia/8c366b43-7a33-40e5-9566-2072b7f82d86/pink_card",
        "cardScheme": "VISA",
        "cardType": "DEBIT"
      },
      {
        "title": "Green",
        "imageUri": "https://www.mebank.com.au/getmedia/ec89a846-ddb2-43d1-a870-3e90a1da7a66/avocado_green",
        "cardScheme": "VISA",
        "cardType": "DEBIT"
      },
      {
        "title": "Blue",
        "imageUri": "https://www.mebank.com.au/getmedia/47dc187c-fd76-46ab-b32d-1b075249a31c/shark_blue",
        "cardScheme": "VISA",
        "cardType": "DEBIT"
      },
      {
        "title": "Rainbow",
        "imageUri": "https://www.mebank.com.au/getmedia/0201079a-806b-4869-943a-340bae1f2c2d/Rainbow",
        "cardScheme": "VISA",
        "cardType": "DEBIT"
      },
      {
        "title": "Orange",
        "imageUri": "https://www.mebank.com.au/getmedia/dc00390a-f4c3-42d6-830a-82354d3d69f8/Orange",
        "cardScheme": "VISA",
        "cardType": "DEBIT"
      }
    ],
    "features": [
      {
        "featureType": "OTHER",
        "additionalInfo": "No withdrawal fees at thousands of Australian ATMs."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Make payments and transactions in real-time. Send and receive money in an instant with PayID enabled accounts."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Charged when a balance enquiry is performed at an ATM outside of Australia. A fee may also be charged by the ATM owner which should be displayed on the screen before proceeding with the enquiry or associated withdrawal."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "No overdrawn fees if you happen to overdraw your account."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Make transactions all from the palm of your hand. Make your money mobile and pay on the go with Apple Pay, Samsung Pay or Google Pay."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Manage your money easily. Set spending budgets on specific categories like groceries, bills and more. And get personalised insights and real-time alerts all in the palm of your hands with our handy banking app."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Never miss a payment on your everyday bills or recurring transactions. We'll give you a heads up when your bills are due, so you can make sure you've got the funds available."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "No transaction fees within Australia."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Charged when a withdrawal is performed at an ATM outside of Australia. A fee may also be charged by the ATM owner and should be displayed on the screen before proceeding with the withdrawal."
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Grow your savings whenever you spend. Round up debit card transactions to the nearest dollar and we'll put the extra change straight into one of your savings accounts."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Fee charged by ME for any International Transaction which includes; any transaction made in a foreign currency; or when any transaction is processed outside of Australia (in Australian dollars or a foreign currency). It is calculated as a percentage of the Australian dollar equivalent."
      },
      {
        "featureType": "NPP_ENABLED",
        "additionalInfo": "We've made monthly account keeping fees on your SpendME Account a thing of the past."
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "14",
        "additionalInfo": "Fourteen (14) years of age or over"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "An Australian mobile number"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "An Australian residential address"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "A smartphone that supports iOS 12.0+ or Android 8.0+."
      },
      {
        "eligibilityType": "NATURAL_PERSON",
        "additionalInfo": "Applying for a personal account and not in the name of a business or trust. There should be no more than two account holders for this account"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "An Australian drivers licence or Australian passport or Medicare card"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "Resident or Citizen",
        "additionalInfo": "A citizen or permanent resident of Australia"
      }
    ],
    "fees": [
      {
        "name": "Debit Interest Rate (applied to overdrawn Accounts)",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.0000"
        },
        "currency": "AUD",
        "additionalInfo": "Interest is charged on a daily basis on all debit balances and debited to the relevant Account monthly.",
        "additionalInfoUri": "https://www.mebank.com.au/getmedia/062a4f65-614d-4b58-a9ac-c39d776ebc67/deposit-account-rates-limits-fees-charges.pdf?v=1783295594"
      },
      {
        "name": "Paper Statement - International",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.0000"
        },
        "currency": "AUD",
        "additionalValue": "P1M",
        "additionalInfo": "Charged for each paper statement that is required to be posted to an International Address.",
        "additionalInfoUri": "https://www.mebank.com.au/getmedia/062a4f65-614d-4b58-a9ac-c39d776ebc67/deposit-account-rates-limits-fees-charges.pdf?v=1783295594"
      },
      {
        "name": "International ATM Withdrawal",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.0000"
        },
        "currency": "AUD",
        "additionalInfo": "Charged when a withdrawal is performed at an ATM outside of Australia. A fee may also be charged by the ATM owner and should be displayed on the screen before proceeding with the withdrawal.",
        "additionalInfoUri": "https://www.mebank.com.au/getmedia/062a4f65-614d-4b58-a9ac-c39d776ebc67/deposit-account-rates-limits-fees-charges.pdf?v=1783295594"
      },
      {
        "name": "BPAY, Pay Someone, Card Transactions",
        "feeType": "PAYMENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.0000"
        },
        "currency": "AUD",
        "additionalInfo": "There is no fee charged by BOQ for performing a BPAY Payment, Pay Anyone or making a Card transaction. Merchants may charge fee in respect of card transactions which should be advised to you at the time of making the transaction.",
        "additionalInfoUri": "https://www.mebank.com.au/getmedia/062a4f65-614d-4b58-a9ac-c39d776ebc67/deposit-account-rates-limits-fees-charges.pdf?v=1783295594"
      },
      {
        "name": "Unclaimed Monies",
        "feeType": "OTHER",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "30.0000"
        },
        "currency": "AUD",
        "additionalInfo": "Charged when the unclaimed monies process starts which is after 7 years of inactivity.",
        "additionalInfoUri": "https://www.mebank.com.au/getmedia/062a4f65-614d-4b58-a9ac-c39d776ebc67/deposit-account-rates-limits-fees-charges.pdf?v=1783295594"
      },
      {
        "name": "Direct Debit Dishonour",
        "feeType": "DISHONOUR",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.0000"
        },
        "currency": "AUD",
        "additionalInfo": "Charged for each direct debit that is dishonoured on the same day that the dishonour takes place.",
        "additionalInfoUri": "https://www.mebank.com.au/getmedia/062a4f65-614d-4b58-a9ac-c39d776ebc67/deposit-account-rates-limits-fees-charges.pdf?v=1783295594"
      },
      {
        "name": "Electronic Transaction Error Correction Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "30.0000"
        },
        "currency": "AUD",
        "additionalInfo": "Charged when the bank is requested by you or the recipient Financial Institution or Biller, to correct an error you have made with a BPAY payment, using the �Pay Someone� functionality, or NPP transaction.",
        "additionalInfoUri": "https://www.mebank.com.au/getmedia/062a4f65-614d-4b58-a9ac-c39d776ebc67/deposit-account-rates-limits-fees-charges.pdf?v=1783295594"
      },
      {
        "name": "Trace",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.0000"
        },
        "currency": "AUD",
        "additionalInfo": "Charged for each request to perform a trace on any transaction type.",
        "additionalInfoUri": "https://www.mebank.com.au/getmedia/062a4f65-614d-4b58-a9ac-c39d776ebc67/deposit-account-rates-limits-fees-charges.pdf?v=1783295594"
      },
      {
        "name": "Failed Transaction Dispute",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "15.0000"
        },
        "currency": "AUD",
        "additionalInfo": "Charged when a transaction dispute is unsuccessful.",
        "additionalInfoUri": "https://www.mebank.com.au/getmedia/062a4f65-614d-4b58-a9ac-c39d776ebc67/deposit-account-rates-limits-fees-charges.pdf?v=1783295594"
      },
      {
        "name": "Domestic ATM Withdrawal/ Balance Enquiry Fee",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.0000"
        },
        "currency": "AUD",
        "additionalInfo": "We don't charge a fee to withdraw cash or check your account balance, however the ATM owner may charge a fee which should be displayed on the screen before proceeding with the withdrawal.",
        "additionalInfoUri": "https://www.mebank.com.au/getmedia/062a4f65-614d-4b58-a9ac-c39d776ebc67/deposit-account-rates-limits-fees-charges.pdf?v=1783295594"
      },
      {
        "name": "International Balance Enquiry",
        "feeType": "ENQUIRY",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.0000"
        },
        "currency": "AUD",
        "additionalInfo": "Charged when a balance enquiry is performed at an ATM outside of Australia. A fee may also be charged by the ATM owner which should be displayed on the screen before proceeding with the enquiry or associated withdrawal.",
        "additionalInfoUri": "https://www.mebank.com.au/getmedia/062a4f65-614d-4b58-a9ac-c39d776ebc67/deposit-account-rates-limits-fees-charges.pdf?v=1783295594"
      },
      {
        "name": "Monthly Account Keeping",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.0000"
        },
        "currency": "AUD",
        "additionalValue": "P1M",
        "additionalInfo": "There are no monthly account keeping fees with myBOQ Accounts.",
        "additionalInfoUri": "https://www.mebank.com.au/getmedia/062a4f65-614d-4b58-a9ac-c39d776ebc67/deposit-account-rates-limits-fees-charges.pdf?v=1783295594"
      },
      {
        "name": "International Emergency Card Replacement",
        "feeType": "REPLACEMENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "75.0000"
        },
        "currency": "AUD",
        "additionalInfo": "Charged when we courier a card to you internationally.",
        "additionalInfoUri": "https://www.mebank.com.au/getmedia/062a4f65-614d-4b58-a9ac-c39d776ebc67/deposit-account-rates-limits-fees-charges.pdf?v=1783295594"
      },
      {
        "name": "Bank Cheque",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.0000"
        },
        "currency": "AUD",
        "additionalInfo": "Charged for each bank cheque that is produced and posted to an Australian address.",
        "additionalInfoUri": "https://www.mebank.com.au/getmedia/062a4f65-614d-4b58-a9ac-c39d776ebc67/deposit-account-rates-limits-fees-charges.pdf?v=1783295594"
      },
      {
        "name": "Currency Conversion",
        "feeType": "TRANSACTION",
        "feeMethodUType": "rateBased",
        "rateBased": {
          "rateType": "BALANCE",
          "rate": "0.0000000000000000"
        },
        "currency": "AUD",
        "additionalInfo": "Fee charged for any International Transaction which includes: • any transaction made in a foreign currency; or • when any transaction is processed outside of Australia (in Australian dollars or a foreign currency). It is calculated as a percentage of the Australian dollar equivalent.",
        "additionalInfoUri": "https://www.mebank.com.au/getmedia/062a4f65-614d-4b58-a9ac-c39d776ebc67/deposit-account-rates-limits-fees-charges.pdf?v=1783295594"
      },
      {
        "name": "Overdrawn Account",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.0000"
        },
        "currency": "AUD",
        "additionalInfo": "There is no overdrawn fee, however a debit interest rate is applied as set out below.",
        "additionalInfoUri": "https://www.mebank.com.au/getmedia/062a4f65-614d-4b58-a9ac-c39d776ebc67/deposit-account-rates-limits-fees-charges.pdf?v=1783295594"
      },
      {
        "name": "Cheque Dishonour",
        "feeType": "DISHONOUR",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.0000"
        },
        "currency": "AUD",
        "additionalInfo": "Charged for each Cheque deposit that is dishonoured on the same day that the dishonour takes place.",
        "additionalInfoUri": "https://www.mebank.com.au/getmedia/062a4f65-614d-4b58-a9ac-c39d776ebc67/deposit-account-rates-limits-fees-charges.pdf?v=1783295594"
      },
      {
        "name": "Domestic Emergency Card Replacement",
        "feeType": "REPLACEMENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "15.0000"
        },
        "currency": "AUD",
        "additionalInfo": "Charged when we courier a card to you within Australia.",
        "additionalInfoUri": "https://www.mebank.com.au/getmedia/062a4f65-614d-4b58-a9ac-c39d776ebc67/deposit-account-rates-limits-fees-charges.pdf?v=1783295594"
      },
      {
        "name": "Manual Statement",
        "feeType": "ENQUIRY",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.0000"
        },
        "currency": "AUD",
        "additionalInfo": "Charged when you request a manual statement to be generated and emailed to you. Statements are available on the myBOQ App and can be accessed for closed Accounts at no cost.Statements for periods prior to migration of an Account to the myBOQ app will not be available from the myBOQ app, but can be requested from BOQ.",
        "additionalInfoUri": "https://www.mebank.com.au/getmedia/062a4f65-614d-4b58-a9ac-c39d776ebc67/deposit-account-rates-limits-fees-charges.pdf?v=1783295594"
      }
    ]
  }
}