{
  "snapshot_at": "2026-11-13T01:42:14Z",
  "brand": "Newcastle Permanent",
  "brand_slug": "newcastle-permanent",
  "product_id": "AC_everyday",
  "cdr_url": "https://openbank.newcastlepermanent.com.au/cds-au/v1/banking/products/AC_everyday",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://openbank.newcastlepermanent.com.au/cds-au/v1/banking/products/AC_everyday'",
  "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": {
      "eligibilityUri": "https://www.newcastlepermanent.com.au/tools-and-services/terms-and-conditions",
      "feesAndPricingUri": "https://www.newcastlepermanent.com.au/tools-and-services/terms-and-conditions",
      "overviewUri": "https://www.newcastlepermanent.com.au/personal/everyday-banking/everyday-account",
      "termsUri": "https://www.newcastlepermanent.com.au/tools-and-services/terms-and-conditions"
    },
    "applicationUri": "https://www.newcastlepermanent.com.au/tools-and-services/apply-for-a-product",
    "brand": "NP",
    "brandName": "Newcastle Permanent",
    "bundles": [],
    "constraints": [],
    "depositRates": [
      {
        "additionalInfo": "Credit interest you earn is worked out as tiered interest using the annual rate divided by 365 on the daily opening balance and paid six monthly to the account on the last day of June and December.",
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/tools-and-services/interest-rates",
        "applicabilityConditions": [],
        "applicationFrequency": "P6M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "depositRateType": "VARIABLE",
        "rate": "0.0001000000",
        "tiers": [
          {
            "applicabilityConditions": [],
            "minimumValue": "0.00",
            "name": "Entire Balance",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "DOLLAR"
          }
        ]
      }
    ],
    "description": "A flexible everyday account designed to help make banking easier offering a wide range of transactional facilities and unlimited free everyday transactions.",
    "effectiveFrom": "2011-03-15T00:00:00+11:00",
    "effectiveTo": "9999-12-30T00:00:00+11:00",
    "eligibility": [
      {
        "additionalValue": "Available to permanent Australian Residents ",
        "eligibilityType": "RESIDENCY_STATUS"
      },
      {
        "additionalInfo": "This account is for personal use by individuals (no age restrictions apply) including for Trusts and Self-Managed Superannuation Funds (SMSF) with personal trustees.",
        "eligibilityType": "NATURAL_PERSON"
      }
    ],
    "features": [
      {
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/tools-and-services/accessing-your-money",
        "additionalValue": "Visa Debit Card (Cashcard no longer available for issue from 27 November 2024).",
        "featureType": "CARD_ACCESS"
      },
      {
        "additionalInfo": "Available for Visa cards only.",
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/tools-and-services/mobile-payments",
        "additionalValue": "Apple Pay",
        "featureType": "DIGITAL_WALLET"
      },
      {
        "additionalInfo": "Internet Banking and Mobile Banking",
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/tools-and-services/digital-banking",
        "featureType": "DIGITAL_BANKING"
      },
      {
        "additionalInfo": "OSKO",
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/osko-and-payid",
        "featureType": "NPP_ENABLED"
      },
      {
        "additionalInfo": "Available for Visa cards only.",
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/tools-and-services/mobile-payments",
        "additionalValue": "Google Pay",
        "featureType": "DIGITAL_WALLET"
      },
      {
        "additionalValue": "BPAY View",
        "featureType": "BILL_PAYMENT"
      },
      {
        "additionalInfo": "Cheque book available (must be 18+).",
        "featureType": "OTHER"
      },
      {
        "additionalInfo": "OSKO",
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/osko-and-payid",
        "featureType": "NPP_PAYID"
      },
      {
        "additionalInfo": "Unlimited free everyday transactions for: Automatic Transfers, Direct Debit Request, Internet banking, ATM Withdrawal (NP), BPAY, Visa Debit card purchase (when pressing the credit button), EFTPOS, Cheque Clearance, and Branch Withdrawal. Subject to amount limits.",
        "featureType": "UNLIMITED_TXNS"
      }
    ],
    "fees": [
      {
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "feeType": "REPLACEMENT",
        "fixedAmount": {
          "amount": "15.00"
        },
        "name": "Financial Institution Cheque Replacement"
      },
      {
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "feeType": "REPLACEMENT",
        "fixedAmount": {
          "amount": "100.00"
        },
        "name": "Card Replacement Overseas"
      },
      {
        "additionalInfo": "When you send an RTGS",
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "feeType": "WITHDRAWAL",
        "fixedAmount": {
          "amount": "30.00"
        },
        "name": "Real Time Gross Settlements (RTGS)"
      },
      {
        "additionalInfo": " $60/hour (min $10/copy)",
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "variable",
        "feeType": "ENQUIRY",
        "name": "Document and Miscellaneous Service",
        "variable": {}
      },
      {
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "rateBased",
        "feeType": "PURCHASE",
        "name": "Foreign Currency Conversion",
        "rateBased": {
          "rate": "0.0300",
          "rateType": "TRANSACTION"
        }
      },
      {
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "feeType": "DISHONOUR",
        "fixedAmount": {
          "amount": "9.00"
        },
        "name": "Dishonour (Direct Debit and Cheque)"
      },
      {
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "feeType": "WITHDRAWAL",
        "fixedAmount": {
          "amount": "10.00"
        },
        "name": "Financial Institution Cheque"
      },
      {
        "additionalInfo": "Unascertainable",
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "variable",
        "feeType": "DEPOSIT",
        "name": "Real Time Gross Settlements (RTGS) - Inward Third party financial institution fee",
        "variable": {}
      },
      {
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "feeType": "CASH_ADVANCE",
        "fixedAmount": {
          "amount": "5.00"
        },
        "name": "Visa Cash Advance Fee"
      },
      {
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "feeType": "DEPOSIT",
        "fixedAmount": {
          "amount": "12.00"
        },
        "name": "Real Time Gross Settlements (RTGS) - Inward NPBS fee"
      },
      {
        "additionalInfo": "Unascertainable",
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "variable",
        "feeType": "WITHDRAWAL",
        "name": "Real Time Gross Settlements (RTGS) - Outward Third party financial institution fee",
        "variable": {}
      },
      {
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "feeType": "EVENT",
        "fixedAmount": {
          "amount": "5.00"
        },
        "name": "Account Overdrawn"
      }
    ],
    "isTailored": false,
    "lastUpdated": "2026-09-01T00:00:00+10:00",
    "lendingRates": [],
    "name": "Everyday Account",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "productId": "AC_everyday"
  }
}