{
  "snapshot_at": "2026-10-27T23:31:01Z",
  "brand": "People First and Heritage Bank",
  "brand_slug": "people-first-and-heritage-bank",
  "product_id": "8e460e86-2487-46fc-bc1b-2c5954fbb71b",
  "cdr_url": "https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/8e460e86-2487-46fc-bc1b-2c5954fbb71b",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/8e460e86-2487-46fc-bc1b-2c5954fbb71b'",
  "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": "8e460e86-2487-46fc-bc1b-2c5954fbb71b",
    "lastUpdated": "2026-09-15T14:01:27.515Z",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "name": "Simply Access Transaction Account ",
    "description": "A transaction account with no monthly fee designed for easy transactions and access to your money for everyday spending.",
    "brand": "HERITAGE",
    "brandName": "Heritage",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.heritage.com.au/banking/accounts/simply-access",
      "termsUri": "https://www.heritage.com.au/inbound/brochures/guide-to-deposit-products",
      "eligibilityUri": "https://www.heritage.com.au/inbound/brochures/guide-to-deposit-products",
      "feesAndPricingUri": "https://www.heritage.com.au/inbound/brochures/fees-and-limits-guide"
    },
    "cardArt": [
      {
        "title": "Heritage Visa Debit",
        "imageUri": "https://www.heritage.com.au/inbound/open-banking/card-art/visa-debit",
        "cardScheme": "VISA",
        "cardType": "DEBIT"
      }
    ],
    "features": [
      {
        "featureType": "OTHER",
        "additionalInfo": "Bank@Post facility available.  Minimum deposit of $20, maximum deposit of $8,000, minimum withdrawal of $20, maximum withdrawal of $2,000."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Electronic or Physical statements provided"
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Internet, Mobile or Phone banking available"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Scheduled, periodic payments available"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Direct debit facility available"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Support for BPAY available"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Sweep facility available"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Google Pay, Samsung Pay, Garmin Pay, Apple Pay"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Visa emergency services available"
      },
      {
        "featureType": "CARD_ACCESS",
        "additionalValue": "Visa debit card",
        "additionalInfo": "Only available to customers 12 years and older. Chip enabled card available. Active fraud protection system available. Courtesy contact provided if a suspicious spend is observed."
      },
      {
        "featureType": "UNLIMITED_TXNS"
      },
      {
        "featureType": "NPP_ENABLED"
      },
      {
        "featureType": "NPP_PAYID"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "SMS Services"
      },
      {
        "featureType": "LOYALTY_PROGRAM",
        "additionalValue": "Heritage Credits",
        "additionalInfo": "Terms and conditions apply",
        "additionalInfoUri": "https://www.heritage.com.au/about/member-commitment/heritage-credits"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "$0 monthly account keeping fee"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Backed by the Government Deposit Guarantee for deposits up to $250,000",
        "additionalInfoUri": "https://www.heritage.com.au/banking/accounts/~/link.aspx?_id=C125E14181C04F2B91B3BB759DB8585A&_z=z"
      },
      {
        "featureType": "FREE_TXNS",
        "additionalValue": "0",
        "additionalInfo": "No fees~ on a network of over 10,000 ATMs across Australia.\n~The big 4 Banks are ANZ, Westpac, NAB and Commonwealth Bank. Some ATMs may still charge fees. You should check the prompts on the ATM screen that will indicate if a fee is going to be charged. Information correct as at 4 January 2021 and could change without notice."
      }
    ],
    "constraints": [
      {
        "constraintType": "OPENING_BALANCE",
        "additionalValue": "1.00"
      },
      {
        "constraintType": "MIN_BALANCE",
        "additionalValue": "1.00"
      }
    ],
    "fees": [
      {
        "name": "Paper Based Statement Fee",
        "feeType": "OTHER",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "3.00"
        },
        "additionalInfo": "Fee is charged for each paper statement issued as per your account statement cycle. Excludes eStatements which are free of charge.",
        "additionalInfoUri": "https://www.heritage.com.au/-/media/m/publications/brochures/sv030---fees-and-limits-guide.pdf?rev=bd133dd2466649bdbc48fd6676828ba5"
      },
      {
        "name": "Overseas ATM or counter withdrawals (Visa)",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "additionalValue": "plus overseas currency conversion fee",
        "additionalInfoUri": "https://www.heritage.com.au/banking/accounts/simply-access"
      },
      {
        "name": "Non-Heritage counter withdrawals",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "2.50"
        },
        "additionalInfoUri": "https://www.heritage.com.au/banking/accounts/simply-access"
      },
      {
        "name": "Business internet banking security token",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "50.00"
        },
        "additionalValue": "Including replacement security tokens",
        "additionalInfoUri": "https://www.heritage.com.au/banking/accounts/simply-access"
      },
      {
        "name": "Card replacement - Standard",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        },
        "additionalValue": "First Standard replacement card in a year is free, subsequent standard replacement card in a year.",
        "additionalInfoUri": "https://www.heritage.com.au/banking/accounts/simply-access"
      },
      {
        "name": "Card replacement - express Delivery in Australia",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "25.00"
        },
        "additionalValue": "when card delivery is requested within 5 days",
        "additionalInfoUri": "https://www.heritage.com.au/banking/accounts/simply-access"
      },
      {
        "name": "Card replacement - Emergency replacement card overseas",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "200.00"
        },
        "additionalValue": "When delivery requested within 5 days",
        "additionalInfoUri": "https://www.heritage.com.au/banking/accounts/simply-access"
      },
      {
        "name": "Direct Debit Dishonour",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        },
        "additionalInfoUri": "https://www.heritage.com.au/banking/accounts/simply-access"
      },
      {
        "name": "Document/Record search fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "12.00"
        },
        "additionalValue": "per item",
        "additionalInfo": "For record searches, traces, supplying copy of details of transactions (including Visa card transaction slips) at your request on your account",
        "additionalInfoUri": "https://www.heritage.com.au/banking/accounts/simply-access"
      },
      {
        "name": "Heritage Bank Cheque",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        },
        "additionalValue": "Issue or Replacement",
        "additionalInfoUri": "https://www.heritage.com.au/banking/accounts/simply-access"
      },
      {
        "name": "Heritage Online Business internet Banking - Account Reconciliation",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.05"
        },
        "additionalValue": "0.05+GST per entry",
        "additionalInfoUri": "https://www.heritage.com.au/banking/accounts/simply-access"
      },
      {
        "name": "Heritage Online Business internet Banking - Payroll and creditor batch payments - for each payment in a batch",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.05"
        },
        "additionalValue": "0.05+ GST for each",
        "additionalInfoUri": "https://www.heritage.com.au/banking/accounts/simply-access"
      },
      {
        "name": "Inactive Account Administration Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "additionalValue": "per half year",
        "additionalInfoUri": "https://www.heritage.com.au/banking/accounts/simply-access"
      },
      {
        "name": "Overdraft Reference Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        },
        "additionalInfoUri": "https://www.heritage.com.au/banking/accounts/simply-access"
      },
      {
        "name": "Overseas Currency Conversion Fee",
        "feeType": "TRANSACTION",
        "feeMethodUType": "rateBased",
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.03"
        },
        "additionalValue": "3% of the Australian dollar amount of the transaction",
        "additionalInfo": "Applicable on Visa purchases or withdrawals made in any currency that is not Australian Dollars (AUD)",
        "additionalInfoUri": "https://www.heritage.com.au/banking/accounts/simply-access"
      },
      {
        "name": "Payroll Processing",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.50"
        },
        "additionalValue": "for each deposit (minimum $5.00)",
        "additionalInfoUri": "https://www.heritage.com.au/banking/accounts/simply-access"
      },
      {
        "name": "Periodical payment",
        "feeType": "PAYMENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "additionalInfo": "To another Heritage account",
        "additionalInfoUri": "https://www.heritage.com.au/banking/accounts/simply-access"
      },
      {
        "name": "Periodical payment",
        "feeType": "PAYMENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "3.00"
        },
        "additionalValue": "for each occurance of payment",
        "additionalInfo": "To another financial institution",
        "additionalInfoUri": "https://www.heritage.com.au/banking/accounts/simply-access"
      },
      {
        "name": "SMS Services",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.25"
        },
        "additionalValue": "for each SMS Alert delivered by SMS to your mobile phone",
        "additionalInfoUri": "https://www.heritage.com.au/banking/accounts/simply-access"
      },
      {
        "name": "Statements",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "1.00"
        },
        "additionalValue": "per statement",
        "additionalInfo": "For the second and subsequent statement issued during a month, or when a statement is issued on your account at your request at any time before the next statement issuing due date",
        "additionalInfoUri": "https://www.heritage.com.au/banking/accounts/simply-access"
      },
      {
        "name": "Transaction listing",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "additionalValue": "per page",
        "additionalInfo": "When a transaction listing between two given dates is issued on your account",
        "additionalInfoUri": "https://www.heritage.com.au/banking/accounts/simply-access"
      },
      {
        "name": "Automatic Sweep",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "2.00"
        },
        "additionalInfoUri": "https://www.heritage.com.au/banking/accounts/simply-access"
      },
      {
        "name": "Manual transfer to another Heritage Account",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "2.50"
        },
        "additionalInfoUri": "https://www.heritage.com.au/banking/accounts/simply-access"
      },
      {
        "name": "Manual transfer to another financial institution",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "4.00"
        },
        "additionalInfo": "Charged per manual transfer to another financial institution including People's Choice branded accounts.",
        "additionalInfoUri": "https://www.heritage.com.au/banking/accounts/simply-access"
      },
      {
        "name": "Telegraphic transfer within Australia",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "30.00"
        },
        "additionalInfoUri": "https://www.heritage.com.au/banking/accounts/simply-access"
      },
      {
        "name": "Telegraphic transfer",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "50.00"
        },
        "additionalInfo": "Sent in AUD to a country with different currency",
        "additionalInfoUri": "https://www.heritage.com.au/banking/accounts/simply-access"
      },
      {
        "name": "Telegraphic transfer",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "30.00"
        },
        "additionalInfo": "transfer to a country in accepted currency (for example, USD to the United States)",
        "additionalInfoUri": "https://www.heritage.com.au/banking/accounts/simply-access"
      },
      {
        "name": "Telegraphic transfer",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "15.00"
        },
        "additionalInfo": "performed via Heritage Online or the Mobile Banking App"
      },
      {
        "name": "RTGS payment/transfer to your account",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        },
        "additionalInfoUri": "https://www.heritage.com.au/banking/accounts/simply-access"
      }
    ],
    "depositRates": [
      {
        "rate": "0.0001",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P3M",
        "tiers": [
          {
            "name": "$1 or more",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "1.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "depositRateType": "VARIABLE"
      }
    ]
  }
}