{
  "snapshot_at": "2026-11-13T01:42:25Z",
  "brand": "QBANK",
  "brand_slug": "qbank",
  "product_id": "S1_Oncall",
  "cdr_url": "https://banking.qbank.com.au/openbanking/cds-au/v1/banking/products/S1_Oncall",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://banking.qbank.com.au/openbanking/cds-au/v1/banking/products/S1_Oncall'",
  "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": {
    "features": [
      {
        "featureType": "CARD_ACCESS",
        "additionalValue": "Visa Debit with payWave"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Apple Pay",
        "additionalInfoUri": "https://www.qbank.com.au/ways-to-bank/applepay"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Google Pay",
        "additionalInfoUri": "https://www.qbank.com.au/ways-to-bank/googlepay"
      },
      {
        "featureType": "NPP_ENABLED"
      },
      {
        "featureType": "NPP_PAYID"
      },
      {
        "featureType": "BILL_PAYMENT",
        "additionalValue": "BPAY"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Our sweep service automatically transfers funds from certain savings accounts to cover most transactions which would otherwise exceed your transasction account's available balance."
      },
      {
        "featureType": "FREE_TXNS_ALLOWANCE",
        "additionalInfo": "12 free Eftpos transactions and 5 free Direct Debits"
      },
      {
        "featureType": "NOTIFICATIONS",
        "additionalValue": "Track payments with SMS and email alerts"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Make deposits and withdrawals through a Bank@Post facility at Australia Post outlets. For full details refer to our Conditions of Use. Fees and charges apply.",
        "additionalInfoUri": "https://www.qbank.com.au/terms-conditions"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "You must be a member. Membership is open to current or former employees of police, ambulance, firies, health workers, emergency services, correctional services and government employees as well as their family members.",
        "additionalInfoUri": "https://www.qbank.com.au/who-can-join"
      }
    ],
    "fees": [
      {
        "name": "ACCOUNT_AUDIT_CONFIRMATION",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        },
        "currency": "AUD"
      },
      {
        "name": "ATM_DISPUTE_FEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "27.50"
        },
        "currency": "AUD"
      },
      {
        "name": "BANK@POST_WITHDRAWALS",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "2.50"
        },
        "currency": "AUD"
      },
      {
        "name": "BANK_CHEQUE_WITHDRAWALS",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "13.00"
        },
        "currency": "AUD"
      },
      {
        "name": "CASH_ADVANCE_____AUSTRALIA_&_INTERNATIONAL",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "currency": "AUD"
      },
      {
        "name": "CHEQUE_DEPOSIT",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "15.00"
        },
        "currency": "AUD",
        "additionalInfo": "Special Clearance"
      },
      {
        "name": "CHEQUE_DISHONOURS",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "11.50"
        },
        "currency": "AUD",
        "additionalInfo": "Cheque Deposit subsequently dishonoured through Bank@Post Australia Post may charge a fee"
      },
      {
        "name": "COPY_OF_PAID_CORPORATE_CHEQUE",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "6.50"
        },
        "currency": "AUD"
      },
      {
        "name": "COPY_OF_PERSONAL_CHEQUE/VOUCHER_30_TO_90_DAYS",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "16.50"
        },
        "currency": "AUD"
      },
      {
        "name": "COPY_OF_PERSONAL_CHEQUE/VOUCHER_OVER_90_DAYS",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "33.00"
        },
        "currency": "AUD"
      },
      {
        "name": "COPY_OF_PERSONAL_CHEQUE/VOUCHER_UNDER_30_DAYS",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "11.00"
        },
        "currency": "AUD"
      },
      {
        "name": "COPY_OF_VISA_TRANSACTION_VOUCHER",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "35.00"
        },
        "currency": "AUD"
      },
      {
        "name": "CORPORATE_CHEQUE_WITHDRAWALS",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "3.00"
        },
        "currency": "AUD"
      },
      {
        "name": "DEBIT_EXTERNAL_ACCOUNT_REJECTION_FEE",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "currency": "AUD"
      },
      {
        "name": "DIRECT_DEBITS",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.50"
        },
        "currency": "AUD",
        "additionalInfo": "5 free then $0.50 per transaction per month"
      },
      {
        "name": "DIRECT_DEBIT_DISHONOURS/NON_PAYMENT",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "11.50"
        },
        "currency": "AUD"
      },
      {
        "name": "DIRECT_DEBIT_INVESTIGATION",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "40.00"
        },
        "currency": "AUD"
      },
      {
        "name": "DORMANCY",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "currency": "AUD",
        "additionalInfo": "Charge $10 every 6 months"
      },
      {
        "name": "EFTPOS",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "1.00"
        },
        "currency": "AUD",
        "additionalInfo": "12 Free then $1 per transaction a month"
      },
      {
        "name": "EMERGENCY_VISA_CASH_OR_CARD_(OVERSEAS)",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "175.00"
        },
        "currency": "AUD",
        "additionalInfo": "$175.00 USD"
      },
      {
        "name": "EXTERNAL_TRANSFERS",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "2.50"
        },
        "currency": "AUD",
        "additionalInfo": "Includes NPP and OSKO transactions to other financial institutions"
      },
      {
        "name": "FOREIGN_CASH_DEPOSIT_(PER_CURRENCY)",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "8.00"
        },
        "currency": "AUD"
      },
      {
        "name": "FOREIGN_CHEQUE_DEPOSIT",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "15.00"
        },
        "currency": "AUD"
      },
      {
        "name": "INTERNATIONAL_ATM_TRANSACTION",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "currency": "AUD"
      },
      {
        "name": "OVERDRAWN_SAVINGS_ACCOUNTS",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "30.00"
        },
        "currency": "AUD",
        "additionalInfo": "Debit interest is charged if the balance of your Savings Accounts are overdrawn where an Overdraft limit exists.Unauthorised Overdrawn Savings and Overlimit Overdraft Fee"
      },
      {
        "name": "PERSONAL_CHEQUES",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "1.00"
        },
        "currency": "AUD"
      },
      {
        "name": "PURCHASE_FOREIGN_CASH_(MINIMUM_ORDER_$250_AU)",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD",
        "additionalInfo": "Purchase Foreign Cash (minimum order $250 AU)"
      },
      {
        "name": "RE-PURCHASE_FOREIGN_CASH_(CANCELLATION_OF_PURCHASE_ORDER)",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "8.00"
        },
        "currency": "AUD"
      },
      {
        "name": "RECALL_OF_BPAY",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "12.00"
        },
        "currency": "AUD"
      },
      {
        "name": "RECALL_OF_EXTERNAL_TRANSFER",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "40.00"
        },
        "currency": "AUD",
        "additionalInfo": "Includes NPP and OSKO transactions  to other financial institutions"
      },
      {
        "name": "RECALL_OF_TELEGRAPHIC_TRANSFER_(WITHIN_AUSTRALIA_&_OVERSEAS)",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "35.00"
        },
        "currency": "AUD"
      },
      {
        "name": "REPLACEMENT_OF_CUE_&_VISA_CARD",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "currency": "AUD",
        "additionalInfo": "Under 18 y/o and renewal cards exempt"
      },
      {
        "name": "REPLACEMENT_VISA_WRISTBAND_(INCLUDING_CHIP)",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "15.00"
        },
        "currency": "AUD"
      },
      {
        "name": "STATEMENTS_/_VOUCHER_SEARCHES",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "currency": "AUD",
        "additionalInfo": "No charge for current transaction list.Reissue more than 6 months.$5 per page"
      },
      {
        "name": "STOP_PAYMENT_OF_CORPORATE_CHEQUES",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "12.00"
        },
        "currency": "AUD"
      },
      {
        "name": "TELEGRAPHIC_TRANSFERS_OVERSEAS",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "25.00"
        },
        "currency": "AUD"
      },
      {
        "name": "TELEGRAPHIC_TRANSFERS_WITHIN_AUSTRALIA",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "15.00"
        },
        "currency": "AUD"
      },
      {
        "name": "TRACE_OF_BPAY",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "12.00"
        },
        "currency": "AUD"
      },
      {
        "name": "TRACE_OF_EXTERNAL_TRANSFER",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "40.00"
        },
        "currency": "AUD",
        "additionalInfo": "Includes NPP and OSKO transactions  to other financial institutions"
      },
      {
        "name": "TRACE_OF_PAID_PERSONAL_CHEQUE",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "22.00"
        },
        "currency": "AUD"
      },
      {
        "name": "TRACE_OF_PAID_CORPORATE_CHEQUE",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "17.50"
        },
        "currency": "AUD"
      },
      {
        "name": "TRAVELLERS_CHEQUE_DEPOSIT_(PER_CURRENCY)",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "8.00"
        },
        "currency": "AUD"
      },
      {
        "name": "VISA_CARD_ADMIN_FEE",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "2.00"
        },
        "currency": "AUD",
        "additionalInfo": "Visa Debit Card per account and waived for loan balances over $50,000 or savings balances over $20,000"
      },
      {
        "name": "VISA_CHARGEBACK_TRANSACTION",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "35.00"
        },
        "currency": "AUD"
      },
      {
        "name": "VISA_INTERNATIONAL_TRANSACTION_FEE",
        "feeType": "TRANSACTION",
        "feeMethodUType": "rateBased",
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.0365"
        },
        "currency": "AUD",
        "additionalInfo": "International Transaction Fee transaction when converted to $AUD"
      }
    ],
    "depositRates": [
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "On Call_Tier_1",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "0.00",
            "maximumValue": "19999.99",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ]
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "On Call_Tier_2",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "20000.00",
            "maximumValue": "49999.99",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ]
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "On Call_Tier_3",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "50000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ]
      }
    ],
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "productId": "S1_Oncall",
    "lastUpdated": "2025-10-16T15:38:34.000+10:00",
    "name": "On Call",
    "description": "Transactional account with flexible access options",
    "brand": "QBANK",
    "brandName": "QBANK",
    "applicationUri": "https://applications.qbank.com.au/before-you-start/",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.qbank.com.au/products/accounts/transaction-accounts/on-call-transaction-account",
      "termsUri": "https://www.qbank.com.au/terms-conditions/",
      "eligibilityUri": "https://www.qbank.com.au/who-can-join",
      "feesAndPricingUri": "https://www.qbank.com.au/rates-fees"
    }
  }
}