{
  "snapshot_at": "2026-10-22T13:25:22Z",
  "brand": "MyState Bank",
  "brand_slug": "mystate-bank",
  "product_id": "48b31a75-786c-458d-936a-e607490bbf0a",
  "cdr_url": "https://public.cdr.mystate.com.au/cds-au/v1/banking/products/48b31a75-786c-458d-936a-e607490bbf0a",
  "x_v": 5,
  "how_to_fetch": "curl -H 'x-v: 5' 'https://public.cdr.mystate.com.au/cds-au/v1/banking/products/48b31a75-786c-458d-936a-e607490bbf0a'",
  "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": {
    "brand": "MYSTATE",
    "description": "An Everyday Business Account gives you simple access to your money.\n\nA MyState Bank Everyday Business Account is a convenient way to manage your business banking needs from day to day with up to 10 free assisted transactions and up to 20 free electronic transactions per month. A monthly account-keeping fee of $6.00 applies.",
    "isTailored": false,
    "lastUpdated": "2026-06-17T06:09:47.361526Z",
    "name": "Everyday Business Account",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "productId": "48b31a75-786c-458d-936a-e607490bbf0a",
    "additionalInformation": {
      "overviewUri": "https://mystate.com.au/business/transaction-accounts/everyday-business-account/",
      "termsUri": "https://mystate.com.au/legal/",
      "eligibilityUri": "https://mystate.com.au/legal/",
      "feesAndPricingUri": "https://mystate.com.au/legal/",
      "bundleUri": null,
      "additionalOverviewUris": null,
      "additionalTermsUris": null,
      "additionalEligibilityUris": null,
      "additionalFeesAndPricingUris": null,
      "additionalBundleUris": null
    },
    "applicationUri": null,
    "brandName": "My State PM Production",
    "cardArt": [],
    "effectiveFrom": null,
    "effectiveTo": null,
    "bundles": [],
    "constraints": [],
    "depositRates": [],
    "eligibility": [
      {
        "eligibilityType": "BUSINESS",
        "additionalInfo": null,
        "additionalInfoUri": "https://mystate.com.au/legal/",
        "additionalValue": null
      }
    ],
    "features": [
      {
        "featureType": "BILL_PAYMENT",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "BPay."
      },
      {
        "featureType": "CARD_ACCESS",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "Visa Debit Card."
      },
      {
        "featureType": "NPP_ENABLED",
        "additionalInfo": "Send and receive money in less than 60 seconds.",
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "featureType": "NPP_PAYID",
        "additionalInfo": "Send and receive money in less than 60 seconds. Add your mobile number or email address as a PayID and use this in place of your BSB and Account number.",
        "additionalInfoUri": null,
        "additionalValue": null
      }
    ],
    "fees": [
      {
        "feeType": "PERIODIC",
        "name": "Monthly Account Fee",
        "accrualFrequency": null,
        "accruedRate": null,
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "P1M",
        "amount": "6.00",
        "balanceRate": null,
        "currency": "AUD",
        "discounts": [],
        "transactionRate": null
      },
      {
        "feeType": "EVENT",
        "name": "BPay Query and Correction Fee",
        "accrualFrequency": null,
        "accruedRate": null,
        "additionalInfo": "This fee is charged when you request a trace or a correction of a BPAY transaction.",
        "additionalInfoUri": "https://www.mystate.com.au/Portals/0/documents/legal/fees_savings.pdf",
        "additionalValue": null,
        "amount": "15.00",
        "balanceRate": null,
        "currency": "AUD",
        "discounts": [],
        "transactionRate": null
      },
      {
        "feeType": "EVENT",
        "name": "Transaction Verification Fee, Copy of Sales Voucher",
        "accrualFrequency": null,
        "accruedRate": null,
        "additionalInfo": "Charged when we are requested to investigate a transaction. The fee will not be charged if we find that the transaction is incorrect.",
        "additionalInfoUri": "https://www.mystate.com.au/Portals/0/documents/legal/fees_savings.pdf",
        "additionalValue": null,
        "amount": "15.00",
        "balanceRate": null,
        "currency": "AUD",
        "discounts": [],
        "transactionRate": null
      },
      {
        "feeType": "EVENT",
        "name": "Certificates Supplied",
        "accrualFrequency": null,
        "accruedRate": null,
        "additionalInfo": "Per Request. This fee is charged when a certified letter or statement is required.",
        "additionalInfoUri": "https://mystate.com.au/wp-content/uploads/fees_savings.pdf",
        "additionalValue": null,
        "amount": "10.00",
        "balanceRate": null,
        "currency": "AUD",
        "discounts": [],
        "transactionRate": null
      },
      {
        "feeType": "EVENT",
        "name": "Overdrawn Fee",
        "accrualFrequency": null,
        "accruedRate": null,
        "additionalInfo": "Per daily occurrence, for any savings or transaction account (with or without an pproved overdraft limit) where we honour a transaction that overdraws the account or exceeds the authorised overdraft limit.",
        "additionalInfoUri": "https://www.mystate.com.au/Portals/0/documents/legal/fees_savings.pdf",
        "additionalValue": null,
        "amount": "5.00",
        "balanceRate": null,
        "currency": "AUD",
        "discounts": [],
        "transactionRate": null
      },
      {
        "feeType": "EVENT",
        "name": "Overdrawn Account Interest",
        "accrualFrequency": "P1M",
        "accruedRate": null,
        "additionalInfo": "Deposit accounts without overdraft arrangements must \nhave a credit balance. We are under no obligation to allow \nany withdrawal that would overdraw an account without an \napproved overdraft facility. \nIf we honour a debit which overdraws an account, the \namount overdrawn (referred to as the credit provided) \nwill attract debit interest charged to the account on the \nlast day of the calendar month. This interest which will \nbe charged to your account as ‘Overdraft Interest’ is \ncalculated on the daily closing debit balance using the \ncurrent ‘Unarranged Borrowing Rate’ ",
        "additionalInfoUri": "https://www.mystate.com.au/Portals/0/documents/interest-rates/rates_lending.pdf",
        "additionalValue": null,
        "amount": null,
        "balanceRate": "0.001395",
        "currency": "AUD",
        "discounts": [],
        "transactionRate": null
      },
      {
        "feeType": "TRANSACTION",
        "name": "Excess Staff Assisted Transaction Fee",
        "accrualFrequency": null,
        "accruedRate": null,
        "additionalInfo": "10 included transactions, then excess transaction fee (per transaction) applies.",
        "additionalInfoUri": null,
        "additionalValue": null,
        "amount": "1.50",
        "balanceRate": null,
        "currency": "AUD",
        "discounts": [],
        "transactionRate": null
      },
      {
        "feeType": "TRANSACTION",
        "name": "Excess Electronic Transaction Fee",
        "accrualFrequency": null,
        "accruedRate": null,
        "additionalInfo": "30 included transactions, then excess transaction fee (per transaction) applies.",
        "additionalInfoUri": "https://mystate.com.au/wp-content/uploads/fees_savings.pdf",
        "additionalValue": null,
        "amount": "0.15",
        "balanceRate": null,
        "currency": "AUD",
        "discounts": [],
        "transactionRate": null
      },
      {
        "feeType": "TRANSACTION",
        "name": "Telegraphic Transfer (Inward)",
        "accrualFrequency": null,
        "accruedRate": null,
        "additionalInfo": "Applies when you receive a telegraphic transfer into your account from another party sent in a foreign currency.  Fee is charged at the time the transfer is received.",
        "additionalInfoUri": "https://mystate.com.au/wp-content/uploads/fees_savings.pdf",
        "additionalValue": null,
        "amount": "7.50",
        "balanceRate": null,
        "currency": "AUD",
        "discounts": [],
        "transactionRate": null
      },
      {
        "feeType": "TRANSACTION",
        "name": "Repurchase of Foreign Currency Documents on a Collection Basis",
        "accrualFrequency": null,
        "accruedRate": null,
        "additionalInfo": "Applies when you request us to purchase overseas \ndrafts, personal cheques or negotiable instruments over \nAUD$2,000 and/or requiring collection prior to payment. Fee is charged when funds are returned from the overseas bank and credited to your account. ",
        "additionalInfoUri": "https://mystate.com.au/wp-content/uploads/fees_savings.pdf",
        "additionalValue": null,
        "amount": "55.00",
        "balanceRate": null,
        "currency": "AUD",
        "discounts": [],
        "transactionRate": null
      },
      {
        "feeType": "PURCHASE",
        "name": "Foreign Currency Conversion",
        "accrualFrequency": null,
        "accruedRate": null,
        "additionalInfo": "Visa International will convert all transactions made in foreign currency or processed overseas on the Visa Debit Card into Australian dollars at the foreign exchange rate that applies on the day the transaction is processed by Visa International.",
        "additionalInfoUri": "https://www.mystate.com.au/Portals/0/documents/legal/fees_savings.pdf",
        "additionalValue": null,
        "amount": null,
        "balanceRate": null,
        "currency": "AUD",
        "discounts": [],
        "transactionRate": "0.000325"
      },
      {
        "feeType": "DEPOSIT",
        "name": "Cheque Deposit Fee",
        "accrualFrequency": null,
        "accruedRate": null,
        "additionalInfo": "Cheques deposited per item.",
        "additionalInfoUri": "https://mystate.com.au/wp-content/uploads/fees_savings.pdf",
        "additionalValue": null,
        "amount": "0.60",
        "balanceRate": null,
        "currency": "AUD",
        "discounts": [],
        "transactionRate": null
      },
      {
        "feeType": "EVENT",
        "name": "Stop Payment",
        "accrualFrequency": null,
        "accruedRate": null,
        "additionalInfo": "This fee applies if we receive a request to stop a payment. It includes but not limited to direct debits, periodical payments and BPay future payments.",
        "additionalInfoUri": "https://www.mystate.com.au/Portals/0/documents/legal/fees_savings.pdf",
        "additionalValue": null,
        "amount": "30.00",
        "balanceRate": null,
        "currency": "AUD",
        "discounts": [],
        "transactionRate": null
      },
      {
        "feeType": "EVENT",
        "name": "Transaction Trace fee",
        "accrualFrequency": null,
        "accruedRate": null,
        "additionalInfo": "Per Transaction or Trace Search   ",
        "additionalInfoUri": "https://mystate.com.au/wp-content/uploads/fees_savings.pdf",
        "additionalValue": null,
        "amount": "15.00",
        "balanceRate": null,
        "currency": "AUD",
        "discounts": [],
        "transactionRate": null
      },
      {
        "feeType": "TRANSACTION",
        "name": "Swift, Telegraphic & Electronic Transfer (Inward)",
        "accrualFrequency": null,
        "accruedRate": null,
        "additionalInfo": "SWIFT electronic payment or inward telegraphic transfer to us from another financial institution.",
        "additionalInfoUri": "https://mystate.com.au/wp-content/uploads/fees_savings.pdf",
        "additionalValue": null,
        "amount": "7.50",
        "balanceRate": null,
        "currency": "AUD",
        "discounts": [],
        "transactionRate": null
      },
      {
        "feeType": "TRANSACTION",
        "name": "Swift & Electronic Funds Transfer (Outward) within Australia",
        "accrualFrequency": null,
        "accruedRate": null,
        "additionalInfo": "Transfer of Australian Dollars in Australia that on receipt becomes available to the recipient via SWIFT electronic payments.",
        "additionalInfoUri": "https://mystate.com.au/wp-content/uploads/fees_savings.pdf",
        "additionalValue": null,
        "amount": "15.00",
        "balanceRate": null,
        "currency": "AUD",
        "discounts": [],
        "transactionRate": null
      },
      {
        "feeType": "TRANSACTION",
        "name": "MyState Bank Corporate Cheque",
        "accrualFrequency": null,
        "accruedRate": null,
        "additionalInfo": "Per item. This fee applies when we draw a cheque from your account at your request. This fee is charged on the day of the transaction.",
        "additionalInfoUri": "https://mystate.com.au/wp-content/uploads/fees_savings.pdf",
        "additionalValue": null,
        "amount": "8.00",
        "balanceRate": null,
        "currency": "AUD",
        "discounts": [],
        "transactionRate": null
      },
      {
        "feeType": "TRANSACTION",
        "name": "Bank Cheque",
        "accrualFrequency": null,
        "accruedRate": null,
        "additionalInfo": "per item",
        "additionalInfoUri": "https://mystate.com.au/wp-content/uploads/fees_savings.pdf",
        "additionalValue": null,
        "amount": "16.00",
        "balanceRate": null,
        "currency": "AUD",
        "discounts": [],
        "transactionRate": null
      },
      {
        "feeType": "TRANSACTION",
        "name": "Bank@Post withdrawal fee",
        "accrualFrequency": null,
        "accruedRate": null,
        "additionalInfo": "This fee is debited on the day of the transaction and is charged in addition to any electronic transaction fee which may apply.",
        "additionalInfoUri": "https://www.mystate.com.au/Portals/0/documents/legal/fees_savings.pdf",
        "additionalValue": null,
        "amount": "4.30",
        "balanceRate": null,
        "currency": "AUD",
        "discounts": [],
        "transactionRate": null
      },
      {
        "feeType": "TRANSACTION",
        "name": "Repurchase of Foreign Currency Documents",
        "accrualFrequency": null,
        "accruedRate": null,
        "additionalInfo": "Applies when you request us to purchase overseas drafts, personal cheques or negotiable instruments up to AUD \n$2,000 value. Fee is charged when the foreign currency documents are repurchased",
        "additionalInfoUri": "https://mystate.com.au/wp-content/uploads/fees_savings.pdf",
        "additionalValue": null,
        "amount": "10.00",
        "balanceRate": null,
        "currency": "AUD",
        "discounts": [],
        "transactionRate": null
      },
      {
        "feeType": "TRANSACTION",
        "name": "Telegraphic Transfer Outward (Australian dollars)",
        "accrualFrequency": null,
        "accruedRate": null,
        "additionalInfo": "Applies when you request us to make an overseas \ntelegraphic transfer to another party in Australian dollars. \nFee is charged at the time the transfer is requested. Not available to all countries.",
        "additionalInfoUri": "https://mystate.com.au/wp-content/uploads/fees_savings.pdf",
        "additionalValue": null,
        "amount": "45.00",
        "balanceRate": null,
        "currency": "AUD",
        "discounts": [],
        "transactionRate": null
      },
      {
        "feeType": "TRANSACTION",
        "name": "Telegraphic Transfer Outward (foreign currency)",
        "accrualFrequency": null,
        "accruedRate": null,
        "additionalInfo": "Applies when you request us to make a telegraphic transfer to another party in a foreign currency. Fee is charged at the time the transfer is requested.",
        "additionalInfoUri": "https://mystate.com.au/wp-content/uploads/fees_savings.pdf",
        "additionalValue": null,
        "amount": "30.00",
        "balanceRate": null,
        "currency": "AUD",
        "discounts": [],
        "transactionRate": null
      }
    ],
    "lendingRates": []
  }
}