{
  "snapshot_at": "2026-10-22T13:25:38Z",
  "brand": "RACQ Bank",
  "brand_slug": "racq-bank",
  "product_id": "221",
  "cdr_url": "https://cdrbank.racq.com.au/cds-au/v1/banking/products/221",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://cdrbank.racq.com.au/cds-au/v1/banking/products/221'",
  "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": "221",
    "lastUpdated": "2026-03-13T04:27:08Z",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "name": "Business Unsecured Current Account",
    "description": "Our Business Unsecured Current Account is an 'at call' transaction account for non-personal entities, such as sole traders, partnerships etc.",
    "brand": "RACQ Bank",
    "brandName": "RACQ Bank",
    "isTailored": false,
    "additionalInformation": {
      "feesAndPricingUri": "https://www.racq.com.au/banking/support-and-faqs/forms-documents"
    },
    "cardArt": [
      {
        "imageUri": "https://cdn.intelligencebank.com/au/share/0Mvj/AjaY3/eEpDW/original/3498743_RACQ_pW_VISA_Debit_Recy",
        "cardScheme": "VISA",
        "cardType": "DEBIT"
      }
    ],
    "features": [
      {
        "featureType": "NPP_ENABLED"
      },
      {
        "featureType": "CARD_ACCESS",
        "additionalValue": "Visa Debit card"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Samsung Pay"
      },
      {
        "featureType": "ADDITIONAL_CARDS",
        "additionalValue": "null"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Google Pay"
      },
      {
        "featureType": "UNLIMITED_TXNS",
        "additionalValue": "RACQ Bank has removed fees for most everyday transactions, such as eftpos transactions, internet transfers and direct debits."
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Apple Pay"
      },
      {
        "featureType": "NPP_PAYID"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "This product is available to Non-personal members only, e.g. Sole trader, Partnership, Company, Trusts."
      },
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18"
      }
    ],
    "fees": [
      {
        "name": "Card / PIN via Courier (International)",
        "feeType": "EVENT",
        "feeMethodUType": "variable",
        "variable": {},
        "currency": "AUD",
        "additionalInfo": "Charged when a card and/or PIN has been requested to be sent via courier to an address outside of Australia. Charged at cost in line with the international courier's charge.",
        "additionalInfoUri": "https://www.racq.com.au/banking/support-and-faqs/forms-documents"
      },
      {
        "name": "Foreign currency conversion fee",
        "feeType": "EVENT",
        "feeMethodUType": "variable",
        "variable": {},
        "currency": "AUD",
        "additionalInfo": "For any transaction made overseas or in a foreign currency, a fee of 2.75% of the total  transaction value (in Australian Dollars) will be charged. The fee applies to: • Transactions made physically overseas. • Transactions made in a foreign currency, regardless of whether you’re in Australia or  another country. • Transactions processed by overseas merchants, even if the purchase or action takes  place within Australia or in Australian Dollars",
        "additionalInfoUri": "https://www.racq.com.au/banking/support-and-faqs/forms-documents"
      },
      {
        "name": "Bank Trace",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "currency": "AUD",
        "additionalInfo": "A request to trace the origin or final destination of funds either sent to or from your account.",
        "additionalInfoUri": "https://www.racq.com.au/banking/support-and-faqs/forms-documents"
      },
      {
        "name": "Dishonour - Manual",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "22.00"
        },
        "currency": "AUD",
        "additionalInfo": "Dishonour at member's request.",
        "additionalInfoUri": "https://www.racq.com.au/banking/support-and-faqs/forms-documents"
      },
      {
        "name": "Emergency Replacement Card through Visa (International)",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "300.00"
        },
        "currency": "AUD",
        "additionalInfo": "Charged when an emergency replacement card has been requested through VISA outside of Australia.",
        "additionalInfoUri": "https://www.racq.com.au/banking/support-and-faqs/forms-documents"
      },
      {
        "name": "Telegraphic Transfer - Outward (within Australia)",
        "feeType": "PAYMENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "35.00"
        },
        "currency": "AUD",
        "additionalInfo": "Funds transferred via the SWIFT network to another financial institution within Australia for same day payment (also known as a Wire or RTGS payment).",
        "additionalInfoUri": "https://www.racq.com.au/banking/support-and-faqs/forms-documents"
      },
      {
        "name": "Dishonour",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "1.00"
        },
        "currency": "AUD",
        "additionalInfo": "Where a Cheque or Direct Debit is not honoured. For example, a payment would be dishonoured if you do not have sufficient available funds in your account.",
        "additionalInfoUri": "https://www.racq.com.au/banking/support-and-faqs/forms-documents"
      },
      {
        "name": "Default Enforcement Expenses",
        "feeType": "OTHER",
        "feeMethodUType": "variable",
        "variable": {},
        "currency": "AUD",
        "additionalInfo": "May apply if enforcement services are required as part of default administration.",
        "additionalInfoUri": "https://www.racq.com.au/banking/support-and-faqs/forms-documents"
      },
      {
        "name": "Overseas Telegraphic Transfer in Australian Dollars",
        "feeType": "PAYMENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "60.00"
        },
        "currency": "AUD",
        "additionalInfo": "Transfer of funds to an overseas bank in AUD rather than local currency. Overseas banks, including the agent bank, may charge a handling fee. Check supplied details.",
        "additionalInfoUri": "https://www.racq.com.au/banking/support-and-faqs/forms-documents"
      },
      {
        "name": "Overseas Telegraphic Transfer in Local Currency",
        "feeType": "PAYMENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "30.00"
        },
        "currency": "AUD",
        "additionalInfo": "Transfer of funds to an overseas bank in the currency used locally. Overseas banks, including the agent bank, may charge a handling fee. Check supplied details.",
        "additionalInfoUri": "https://www.racq.com.au/banking/support-and-faqs/forms-documents"
      },
      {
        "name": "Visa Chargeback",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "27.50"
        },
        "currency": "AUD",
        "additionalInfo": "Charged when a Visa Debit transaction is disputed. Refunded if transaction deemed fraudulent.",
        "additionalInfoUri": "https://www.racq.com.au/banking/support-and-faqs/forms-documents"
      },
      {
        "name": "Bank Recall",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "currency": "AUD",
        "additionalInfo": "A request to attempt to recall funds transferred to another account.",
        "additionalInfoUri": "https://www.racq.com.au/banking/support-and-faqs/forms-documents"
      },
      {
        "name": "Card / PIN via Courier (within Australia)",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "30.00"
        },
        "currency": "AUD",
        "additionalInfo": "Charged when a card and/or PIN has been requested to be sent via courier to an address within Australia.",
        "additionalInfoUri": "https://www.racq.com.au/banking/support-and-faqs/forms-documents"
      },
      {
        "name": "Audit Certificate",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "25.00"
        },
        "currency": "AUD",
        "additionalInfo": "A certificate for Audit purposes.",
        "additionalInfoUri": "https://www.racq.com.au/banking/support-and-faqs/forms-documents"
      },
      {
        "name": "Card / PIN Postage (International)",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "9.00"
        },
        "currency": "AUD",
        "additionalInfo": "Charged when your mailing address is outside of Australia and a card or PIN is mailed.",
        "additionalInfoUri": "https://www.racq.com.au/banking/support-and-faqs/forms-documents"
      },
      {
        "name": "Cash Request",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "variable",
        "variable": {},
        "currency": "AUD",
        "additionalInfo": "Cash withdrawals of more than $5,000 require 24 hours' notice. Cash delivery charges, levied by the cash provider to RACQ Bank, are passed on at cost for large withdrawals. The charge is determined at the time of the request and may vary according to location.",
        "additionalInfoUri": "https://www.racq.com.au/banking/support-and-faqs/forms-documents"
      },
      {
        "name": "Bank@Post Cheque Dishonour",
        "feeType": "DISHONOUR",
        "feeMethodUType": "variable",
        "variable": {},
        "currency": "AUD",
        "additionalInfo": "If you deposit a cheque via Bank@Post and it is dishonoured, a fee will be directed to your account.",
        "additionalInfoUri": "https://www.racq.com.au/banking/support-and-faqs/forms-documents"
      },
      {
        "name": "Default Administration",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "currency": "AUD",
        "additionalInfo": "May apply if an event of default occurs.",
        "additionalInfoUri": "https://www.racq.com.au/banking/support-and-faqs/forms-documents"
      }
    ],
    "depositRates": [
      {
        "rate": "0.0001",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P3M",
        "additionalInfo": "Currently all balances receive the same rate. The interest structure of the product remains as a Per Tier (Stepped) basis, as tiering may be reapplied to this product in future.",
        "depositRateType": "VARIABLE"
      }
    ]
  }
}