{
  "snapshot_at": "2026-10-22T13:25:47Z",
  "brand": "Suncorp Bank",
  "brand_slug": "suncorp-bank",
  "product_id": "ESS",
  "cdr_url": "https://id-ob.suncorpbank.com.au/cds-au/v1/banking/products/ESS",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://id-ob.suncorpbank.com.au/cds-au/v1/banking/products/ESS'",
  "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": "ESS",
    "effectiveFrom": "2020-04-30T14:00:00.000Z",
    "effectiveTo": "2999-12-30T13:00:00.000Z",
    "lastUpdated": "2026-03-19T13:00:00.000Z",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "name": "Everyday Essentials Account",
    "description": "A basic day-to-day transaction account for holders of concession and health care cards or recipients of government income support.",
    "brand": "SUNCORP BANK",
    "brandName": "Suncorp Bank",
    "applicationUri": "https://www.suncorpbank.com.au/bank-and-save/everyday-accounts.html",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.suncorpbank.com.au/bank-and-save/everyday-accounts/essentials.html",
      "termsUri": "https://www.suncorpbank.com.au/content/dam/suncorp/bank/documents/product-information/personal-deposit-account-pid.pdf",
      "eligibilityUri": "https://www.suncorpbank.com.au/content/dam/suncorp/bank/documents/product-information/personal-deposit-account-pid.pdf",
      "feesAndPricingUri": "https://www.suncorpbank.com.au/content/dam/suncorp/bank/documents/product-information/personal-deposit-account-pid.pdf",
      "additionalOverviewUris": [],
      "additionalTermsUris": [],
      "additionalEligibilityUris": [],
      "additionalFeesAndPricingUris": [],
      "additionalBundleUris": []
    },
    "cardArt": [
      {
        "cardScheme": "VISA",
        "cardType": "DEBIT",
        "title": "Visa Debit",
        "imageUri": "https://www.suncorpbank.com.au/content/dam/suncorp/bank/images/cards/suncorp-visa-debit-eftpos-new.png"
      }
    ],
    "features": [
      {
        "featureType": "OTHER",
        "additionalInfo": "Don't travel? Card lock in mobile banking lets you lock your card for overseas instore purchases",
        "additionalInfoUri": "https://www.suncorpbank.com.au/help-support/ways-to-bank/suncorp-bank-app/banking-with-the-suncorp-bank-app.html"
      },
      {
        "featureType": "BILL_PAYMENT",
        "additionalValue": "BPay"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Google Pay",
        "additionalInfo": "Google Pay with Visa Debit Cards",
        "additionalInfoUri": "https://www.suncorpbank.com.au/help-support/ways-to-bank/google-pay.html"
      },
      {
        "featureType": "NPP_ENABLED",
        "additionalInfo": "Fast Payments through Suncorp Bank App and Internet Banking",
        "additionalInfoUri": "https://www.suncorpbank.com.au/help-support/ways-to-bank/fast-payments.html"
      },
      {
        "featureType": "DIGITAL_BANKING"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Don't shop online? Card lock in mobile banking lets you lock your card for online purchases (domestic and international) and online subscriptions",
        "additionalInfoUri": "https://www.suncorpbank.com.au/help-support/ways-to-bank/suncorp-bank-app/banking-with-the-suncorp-bank-app.html"
      },
      {
        "featureType": "CARD_ACCESS",
        "additionalValue": "Visa Debit Card for Ages 16 and older",
        "additionalInfo": "Use your Visa Debit Card to access cash at ATMs, shop securely online or tap & go with PayWave, Apple Pay or Google Pay"
      },
      {
        "featureType": "CARD_ACCESS",
        "additionalValue": "Visa Debit Card for Ages 11-15 years",
        "additionalInfo": "Use your Visa Debit Card to access cash at ATMs, shop securely online or tap & go with PayWave, Apple Pay or Google Pay. For Visa Debit Cards issued to customers aged 11-15 years of age, we will block known gambling, adult entertainment and certain other transactions involving restricted products or services."
      },
      {
        "featureType": "NPP_PAYID",
        "additionalInfo": "Create a PayID and link to your eligible account in Suncorp Bank App",
        "additionalInfoUri": "https://www.suncorpbank.com.au/help-support/ways-to-bank/fast-payments.html"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Misplaced your card? Card lock in mobile banking lets you lock your card while you look for it",
        "additionalInfoUri": "https://www.suncorpbank.com.au/help-support/ways-to-bank/suncorp-bank-app/banking-with-the-suncorp-bank-app.html"
      },
      {
        "featureType": "UNLIMITED_TXNS"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Apple Pay",
        "additionalInfo": "Apple Pay with Visa Debit Cards",
        "additionalInfoUri": "https://www.suncorpbank.com.au/help-support/ways-to-bank/apple-pay.html"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Pay $0 Visa Debit Cash Advance Fees at non-Suncorp Bank ATMs"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Pay $0 Foreign Currency Conversion Fees on Visa Debit Card purchases from overseas merchants"
      },
      {
        "featureType": "LOYALTY_PROGRAM",
        "additionalValue": "Feel Good Rewards",
        "additionalInfo": "Feel Good Rewards is a rewards program which provides cashback paid into your Eligible Account when you meet the Eligibility Criteria as set out in the Account Terms and Conditions."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Pay To is available to manage payments from an eligible bank account in Suncorp Bank App",
        "additionalInfoUri": "https://www.suncorpbank.com.au/help-support/ways-to-bank/payto.html"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "NATURAL_PERSON",
        "additionalInfo": "Account owners must be individuals as personal customers for personal use"
      },
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "11",
        "additionalInfo": "Account owners must be 11 years or older"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "Account owners must be residents of Australia"
      }
    ],
    "fees": [
      {
        "name": "Account keeping fee",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD",
        "additionalValue": "P1M",
        "additionalInfo": "No monthly account keeping fees"
      },
      {
        "name": "atmx by Armaguard network ATM withdrawals & enquiries",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Bank@Post",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD",
        "additionalInfo": "Fee Free - Limits apply"
      },
      {
        "name": "Card Replacement",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Copy of bank cheque",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "12.00"
        },
        "currency": "AUD"
      },
      {
        "name": "eStatements",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Foreign Currency Bank Draft - trace request or stop payment",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Foreign Currency Conversion Fee (Visa Debit Transactions)",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD",
        "additionalInfo": "Suncorp Bank Visa Debit Transactions"
      },
      {
        "name": "Physical Security Token",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "currency": "AUD",
        "additionalInfo": "Suncorp Bank Secured App (soft token) available at no cost",
        "additionalInfoUri": "https://www.suncorpbank.com.au/security/security-token-app.html"
      },
      {
        "name": "Real Time Gross Settlements (RTGS) - outward",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "35.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Record Search/Copy Fee (cheques, records, voucher retrieval)",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "70.00"
        },
        "currency": "AUD",
        "additionalInfo": "per hour"
      },
      {
        "name": "Request for Audit Certificate",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "30.00"
        },
        "currency": "AUD",
        "additionalInfo": "per certificate"
      },
      {
        "name": "Stop Payment Request - bank cheques",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "15.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Stop payment request - Direct Debit",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Telegraphic Transfers (staff assisted and via Global Payments) recall, amended, trace request",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "30.00"
        },
        "currency": "AUD",
        "additionalInfo": "plus other bank's costs"
      },
      {
        "name": "Telegraphic Transfers sent - staff assisted",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "30.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Trace/recall of funds request - cheque, electronic payment",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "30.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Visa debit card cash advance at non-Suncorp Bank Institution",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD",
        "additionalInfo": "per $1,000 advanced or part thereof"
      },
      {
        "name": "Visa debit cards emergency overseas card replacement",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "50.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Non Suncorp Bank ATM withdrawals & enquiries",
        "feeType": "OTHER",
        "feeMethodUType": "variable",
        "variable": {
          "feeMinimum": "0.00"
        },
        "currency": "AUD",
        "additionalInfo": "ATM Operator Fee",
        "discounts": [
          {
            "description": "Accessibility Waiver",
            "discountType": "ELIGIBILITY_ONLY",
            "discountMethodUType": "fixedAmount",
            "fixedAmount": {
              "amount": "0.00"
            },
            "additionalInfo": "Waive ATM Operator fees",
            "eligibility": [
              {
                "discountEligibilityType": "OTHER",
                "additionalInfo": "Applies to customers with a permanent physical, intellectual disability or an impairment that restricts access to Suncorp Bank facilities."
              }
            ]
          }
        ]
      }
    ]
  }
}