{ "snapshot_at": "2026-10-28T23:52:19Z", "brand": "St.George Bank", "brand_slug": "st-george-bank", "product_id": "STGInvestmentCashAccounts", "cdr_url": "https://digital-api.stgeorge.com.au/cds-au/v1/banking/products/STGInvestmentCashAccounts", "x_v": 7, "how_to_fetch": "curl -H 'x-v: 7' 'https://digital-api.stgeorge.com.au/cds-au/v1/banking/products/STGInvestmentCashAccounts'", "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": "STGInvestmentCashAccounts", "lastUpdated": "2026-10-28T22:42:27Z", "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS", "name": "Investment Cash Accounts", "description": "The Investment Cash Account is a bank account that offers a variable interest rate, with easy access to funds. It can be used to make deposit and withdrawals through a variety of channels for individuals and Self-Managed Superannuation Funds (SMSF).", "brand": "St. George Bank", "applicationUri": "https://www.stgeorge.com.au/personal/bank-accounts/savings-accounts/investment-cash-account", "isTailored": false, "additionalInformation": { "overviewUri": "https://www.stgeorge.com.au/personal/bank-accounts/savings-accounts/investment-cash-account", "termsUri": "https://www.stgeorge.com.au/content/dam/stg/downloads/personal/bank-accounts/SavInvesTransAccounts_Terms.pdf", "eligibilityUri": "https://www.stgeorge.com.au/personal/bank-accounts/savings-accounts/investment-cash-account", "feesAndPricingUri": "https://www.stgeorge.com.au/content/dam/stg/downloads/personal/bank-accounts/SavInvesTransAccounts_Terms.pdf" }, "features": [ { "featureType": "DIGITAL_BANKING", "additionalInfo": "Access to funds at any time through a variety of channels (e.g. Internet and Phone Banking, branch, and debit card)" }, { "featureType": "OTHER", "additionalInfo": "Variable interest rates may apply and credit interest paid monthly" }, { "featureType": "OTHER", "additionalInfo": "No minimum opening balance required" }, { "featureType": "DIGITAL_BANKING", "additionalInfo": "Make non-cash payments via services such as BPAY, Pay Anyone, OSKO and Overseas Telegraphic Transfer (OTT) and Direct Debit" }, { "featureType": "OTHER", "additionalInfo": "Automate deposits such as your salary and investment income with direct credits." }, { "featureType": "OTHER", "additionalInfo": "May earn a variable interest rate from the first dollar, calculated daily, paid monthly" }, { "featureType": "DIGITAL_BANKING", "additionalInfo": "Easy at call access - In branch, ATMs, 24/7 Internet and Phone Banking, eftpos, BPAY and Bank@Post" }, { "featureType": "OTHER", "additionalInfo": "Cash hub for SMSF investors - Can be your cash hub account for your Self-Managed Super Fund and investments" }, { "featureType": "OTHER", "additionalInfo": "Internet Banking - View transactions online anytime with Internet Banking." }, { "featureType": "OTHER", "additionalInfo": "Statements - Paper Statements posted to you every 6 months. Mini transaction history available at any St.George ATM. View, print and save up to 2 years of statements online when you choose eStatements. Yearly interest summary - view and print your Financial Year interest summary with Internet Banking." }, { "featureType": "NOTIFICATIONS", "additionalValue": "SMS and Email Alerts - Keep track of when deposits and withdrawals are made on your account with SMS / email alerts." } ], "eligibility": [ { "eligibilityType": "MIN_AGE", "additionalValue": "18", "additionalInfo": "For personal use: Be 18 years of age or over (signatory on the account)." }, { "eligibilityType": "RESIDENCY_STATUS", "additionalValue": "For personal use: Have an Australian residential address." }, { "eligibilityType": "OTHER", "additionalInfo": "For an SMSF: Be a registered Self-Managed Superannuation Fund (SMSF)." }, { "eligibilityType": "OTHER", "additionalInfo": "For an SMSF: Signatory on the account is aged 18 years of over." }, { "eligibilityType": "OTHER", "additionalInfo": "For an SMSF: Be operating using an Australian address." } ], "fees": [ { "name": "Account Keeping Fee", "feeType": "PERIODIC", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "0.00" }, "additionalValue": "P1M" }, { "name": "Telephone Banking", "feeType": "TRANSACTION", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "0.00" } }, { "name": "Online Banking", "feeType": "EVENT", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "0.00" } }, { "name": "EFTPOS", "feeType": "TRANSACTION", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "0.00" } }, { "name": "Staff assisted", "feeType": "EVENT", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "0.00" } }, { "name": "Bank@Post", "feeType": "TRANSACTION", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "0.00" } }, { "name": "Cheque", "feeType": "EVENT", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "0.00" } }, { "name": "Direct Debit", "feeType": "WITHDRAWAL", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "0.00" } }, { "name": "Overseas Withdrawal", "feeType": "WITHDRAWAL", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "5.00" } }, { "name": "Collection Item", "feeType": "TRANSACTION", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "0.00" } }, { "name": "Foreign Currency Conversion Fee", "feeType": "TRANSACTION", "feeMethodUType": "rateBased", "rateBased": { "rateType": "TRANSACTION", "rate": "0.03" } } ], "depositRates": [ { "depositRateType": "VARIABLE", "rate": "0.001", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "tiers": [ { "name": "0 to 4999.99", "unitOfMeasure": "DOLLAR", "minimumValue": "0.00", "maximumValue": "4999.99", "rateApplicationMethod": "PER_TIER" } ], "applicabilityConditions": [ { "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT", "additionalValue": "0.00" } ], "additionalInfo": "Interest is calculated daily using a tiered interest rate, meaning the particular interest rate that applies to you will depend on the daily closing balance of your Cash Investment Account." }, { "depositRateType": "VARIABLE", "rate": "0.001", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "tiers": [ { "name": "5000 to 9999.99", "unitOfMeasure": "DOLLAR", "minimumValue": "5000.00", "maximumValue": "9999.99", "rateApplicationMethod": "PER_TIER" } ], "applicabilityConditions": [ { "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT", "additionalValue": "5000.00" } ], "additionalInfo": "Interest is calculated daily using a tiered interest rate, meaning the particular interest rate that applies to you will depend on the daily closing balance of your Cash Investment Account." }, { "depositRateType": "VARIABLE", "rate": "0.001", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "tiers": [ { "name": "10000 to 19999.99", "unitOfMeasure": "DOLLAR", "minimumValue": "10000.00", "maximumValue": "19999.99", "rateApplicationMethod": "PER_TIER" } ], "applicabilityConditions": [ { "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT", "additionalValue": "10000.00" } ], "additionalInfo": "Interest is calculated daily using a tiered interest rate, meaning the particular interest rate that applies to you will depend on the daily closing balance of your Cash Investment Account." }, { "depositRateType": "VARIABLE", "rate": "0.001", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "tiers": [ { "name": "20000 to 49999.99", "unitOfMeasure": "DOLLAR", "minimumValue": "20000.00", "maximumValue": "49999.99", "rateApplicationMethod": "PER_TIER" } ], "applicabilityConditions": [ { "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT", "additionalValue": "20000.00" } ], "additionalInfo": "Interest is calculated daily using a tiered interest rate, meaning the particular interest rate that applies to you will depend on the daily closing balance of your Cash Investment Account." }, { "depositRateType": "VARIABLE", "rate": "0.001", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "tiers": [ { "name": "50000 to 99999.99", "unitOfMeasure": "DOLLAR", "minimumValue": "50000.00", "maximumValue": "99999.99", "rateApplicationMethod": "PER_TIER" } ], "applicabilityConditions": [ { "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT", "additionalValue": "50000.00" } ], "additionalInfo": "Interest is calculated daily using a tiered interest rate, meaning the particular interest rate that applies to you will depend on the daily closing balance of your Cash Investment Account." }, { "depositRateType": "VARIABLE", "rate": "0.001", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "tiers": [ { "name": "100000 to 249999.99", "unitOfMeasure": "DOLLAR", "minimumValue": "100000.00", "maximumValue": "249999.99", "rateApplicationMethod": "PER_TIER" } ], "applicabilityConditions": [ { "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT", "additionalValue": "100000.00" } ], "additionalInfo": "Interest is calculated daily using a tiered interest rate, meaning the particular interest rate that applies to you will depend on the daily closing balance of your Cash Investment Account." }, { "depositRateType": "VARIABLE", "rate": "0.001", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "tiers": [ { "name": "250000 to 499999.99", "unitOfMeasure": "DOLLAR", "minimumValue": "250000.00", "maximumValue": "499999.99", "rateApplicationMethod": "PER_TIER" } ], "applicabilityConditions": [ { "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT", "additionalValue": "250000.00" } ], "additionalInfo": "Interest is calculated daily using a tiered interest rate, meaning the particular interest rate that applies to you will depend on the daily closing balance of your Cash Investment Account." }, { "depositRateType": "VARIABLE", "rate": "0.001", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "tiers": [ { "name": "Above 500000", "unitOfMeasure": "DOLLAR", "minimumValue": "500000.00", "rateApplicationMethod": "PER_TIER" } ], "applicabilityConditions": [ { "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT", "additionalValue": "500000.00" } ], "additionalInfo": "Interest is calculated daily using a tiered interest rate, meaning the particular interest rate that applies to you will depend on the daily closing balance of your Cash Investment Account." } ] } }