{
  "snapshot_at": "2026-10-22T13:26:00Z",
  "brand": "Unity Bank",
  "brand_slug": "unity-bank",
  "product_id": "S82_BUSIACCESS_SAVINGS_ACCOUNT",
  "cdr_url": "https://ibank.unity.bank/OpenBanking/cds-au/v1/banking/products/S82_BUSIACCESS_SAVINGS_ACCOUNT",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://ibank.unity.bank/OpenBanking/cds-au/v1/banking/products/S82_BUSIACCESS_SAVINGS_ACCOUNT'",
  "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",
        "additionalInfo": "Our Business Visa Debit Card offers quick, secure and convenient access to your money in person, online, overseas and over the phone. Enjoy the convenience of paying directly from your account, with all of the security you would expect from Visa."
      },
      {
        "featureType": "UNLIMITED_TXNS",
        "additionalInfo": "Unlimited electronic transactions available on your account"
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Access using Online Banking or the App"
      },
      {
        "featureType": "NPP_ENABLED",
        "additionalInfo": "Enabled to send and receive Fast Payments"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Designed to put you in control of your banking features two-factor authentication, dual authorisation, batch payroll, compatibility with Accounting Packages and so much more"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Our referral relationship an EFTPOS solution that will streamline the processing of your EFTPOS transactions, fast deposits, speed up your service and reduce costs"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Backed by the Government Deposit Guarantee for deposits up to $250,000"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Securely lock your debit card in the Mobile App while you look for it and unlock it again when you find it"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Cards made from 82% recycled PVC"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Find the digital version of your card via the Mobile App before your physical card arrives in the mail."
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Apple Pay"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Google Pay"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Samsung Pay"
      },
      {
        "featureType": "FREE_TXNS",
        "additionalValue": "99999",
        "additionalInfo": "Unlimited free electronic transactions available on your account"
      },
      {
        "featureType": "NPP_PAYID",
        "additionalInfo": "Get faster payments between participating banks, anytime with Pay ID"
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "With PayTo, you can see, review and authorise all new PayTo payments for transactions such as recurring bills, memberships and subscriptions before the money leaves your account."
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Access using Online Banking or the App"
      },
      {
        "featureType": "FRAUD_PROTECTION",
        "additionalInfo": "A range of security features and services provided, including fraud prevention technology and secure banking, to help keep your funds safe."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Make free deposits and withdrawals through a Bank@Post facility at Australia Post outlets."
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Apple Pay"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Google Pay"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Samsung Pay"
      },
      {
        "featureType": "FREE_TXNS",
        "additionalValue": "9999999999",
        "additionalInfo": "Unlimited free electronic transactions available on your account"
      },
      {
        "featureType": "NPP_PAYID",
        "additionalInfo": "Get faster payments between participating banks, anytime with Pay ID"
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "With PayTo, you can see, review and authorise all new PayTo payments for transactions such as recurring bills, memberships and subscriptions before the money leaves your account."
      },
      {
        "featureType": "FRAUD_PROTECTION",
        "additionalInfo": "A range of security features and services provided, including fraud prevention technology and secure banking, to help keep your funds safe."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Make free deposits and withdrawals through a Bank@Post facility at Australia Post outlets."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Backed by the Goverment Deposit Guarantee for deposits up to $250,000"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "BUSINESS",
        "additionalInfo": "An Australian business with valid ABN/ACN"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalInfo": "Business must be registered in Australia"
      },
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "You're an owner/director of the Business"
      }
    ],
    "fees": [
      {
        "name": "MONTHLY_ACCOUNT_FEE",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "currency": "AUD",
        "additionalValue": "P1M",
        "additionalInfo": "Members are exempt from the monthly fee if they: A) Maintain a minimum business balance of $5,000 which is the combined balance of all deposits & borrowings, at all times throughout the month B) Under 25 years or over 65 years C) Held their membership for less than 3 months D) Have zero VISA debit transactions for the month including ATM, eftpos, paywave, digital wallet, online and phone purchases",
        "additionalInfoUri": "https://www.unity.bank/help/rates-fees/"
      },
      {
        "name": "EFTPOS_DECLINE_FEE",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "1.00"
        },
        "currency": "AUD",
        "additionalInfo": "A fee charged if you don't have enough money in your account for an EFTPOS transaction",
        "additionalInfoUri": "https://www.unity.bank/help/rates-fees/"
      },
      {
        "name": "OUTWARD_RTGS_PAYMENT_FEE",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "30.00"
        },
        "currency": "AUD",
        "additionalInfo": "A Processing fee charged when you require funds to be sent straight away",
        "additionalInfoUri": "https://www.unity.bank/help/rates-fees/"
      },
      {
        "name": "INWARD_RTGS_AND_SWIFT_PAYMENT_FEE",
        "feeType": "DEPOSIT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        },
        "currency": "AUD",
        "additionalInfo": "A processing fee charged when you receive funds through this channel",
        "additionalInfoUri": "https://www.unity.bank/help/rates-fees/"
      },
      {
        "name": "PAPER_STATEMENT_FEE",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "2.00"
        },
        "currency": "AUD",
        "additionalValue": "P1M",
        "additionalInfo": "A fee charged to cover the cost of producing and sending paper statements",
        "additionalInfoUri": "https://www.unity.bank/help/rates-fees/"
      },
      {
        "name": "DORMANCY_FEE",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "currency": "AUD",
        "additionalValue": "P1Y",
        "additionalInfo": "A fee charged if your account remains inactive for 7 years, and we will treat your account as dormant. We have a legal obligation to remit dormant balances exceeding $500 to ASIC as unclaimed money",
        "additionalInfoUri": "https://www.unity.bank/help/rates-fees/"
      },
      {
        "name": "DIRECT_DEBIT_HONOUR_FEE",
        "feeType": "PAYMENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "15.00"
        },
        "currency": "AUD",
        "additionalInfo": "A fee charged when you have insufficient funds in your account but we honour the transaction for you and overdraw your account",
        "additionalInfoUri": "https://www.unity.bank/help/rates-fees/"
      },
      {
        "name": "DIRECT_DEBIT_DISHONOUR_FEE",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "17.00"
        },
        "currency": "AUD",
        "additionalInfo": "A fee charged when you have insufficient funds in your account and we are unable to honour the transaction for you",
        "additionalInfoUri": "https://www.unity.bank/help/rates-fees/"
      },
      {
        "name": "EMERGENCY_CASH/CARD_VISA_DEBIT",
        "feeType": "REPLACEMENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD",
        "additionalInfo": "Third party fee charged when you need an emergency replacement card delivered to you (fee is charged at cost)",
        "additionalInfoUri": "https://www.unity.bank/help/rates-fees/"
      },
      {
        "name": "TELEGRAPHIC_TRANSFER_-_SERVICE_CENTRE",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "30.00"
        },
        "currency": "AUD",
        "additionalInfo": "A fee charged for a staff assisted foreign transfer",
        "additionalInfoUri": "https://www.unity.bank/help/rates-fees/"
      },
      {
        "name": "TELEGRAPHIC_TRANSFER_-_ONLINE",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "currency": "AUD",
        "additionalInfo": "A fee charged for an online foreign transfer",
        "additionalInfoUri": "https://www.unity.bank/help/rates-fees/"
      },
      {
        "name": "TELEGRAPHIC_TRANSFER_-_AUSTRALIAN",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "50.00"
        },
        "currency": "AUD",
        "additionalInfo": "A fee charged for an online Australian transfer",
        "additionalInfoUri": "https://www.unity.bank/help/rates-fees/"
      },
      {
        "name": "ATM_INSUFFICIENT_FUNDS",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "1.00"
        },
        "currency": "AUD",
        "additionalInfo": "A fee charged if you don't have enough money in your account for an ATM withdrawal",
        "additionalInfoUri": "https://www.unity.bank/help/rates-fees/"
      },
      {
        "name": "QUICKDEBIT_DISHONOUR_FEE",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "currency": "AUD",
        "additionalInfo": "A fee charged when you have insufficient funds in your account and we are unable to honour the Quick Debit transaction for you",
        "additionalInfoUri": "https://www.unity.bank/help/rates-fees/"
      },
      {
        "name": "VISA_CASH_ADVANCE_FEE",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "4.00"
        },
        "currency": "AUD",
        "additionalInfo": "A fee charged for cash advances and overseas transactions will attract an additional currency conversion fee",
        "additionalInfoUri": "https://www.unity.bank/help/rates-fees/"
      },
      {
        "name": "FOREIGN_CHEQUE_DEPOSIT_UP_TO_$25,000",
        "feeType": "DEPOSIT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "currency": "AUD",
        "additionalInfo": "A processing fee charged when you deposit foreign cheques up to $25,000",
        "additionalInfoUri": "https://www.unity.bank/help/rates-fees/"
      },
      {
        "name": "FOREIGN_CHEQUE_DEPOSIT_OVER_$25,000",
        "feeType": "DEPOSIT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "50.00"
        },
        "currency": "AUD",
        "additionalInfo": "A processing fee charged when you deposit foreign cheques over $25,000",
        "additionalInfoUri": "https://www.unity.bank/help/rates-fees/"
      }
    ],
    "depositRates": [
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalInfo": "This account does not pay interest"
      }
    ],
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "productId": "S82_BUSIACCESS_SAVINGS_ACCOUNT",
    "lastUpdated": "2026-09-14T11:00:30.000+10:00",
    "name": "BusiAccess",
    "description": "A simple, low-cost business account to help you manage your everyday transactions that gives you easy access to your money 24 hours a day, 7 days a week.",
    "brand": "UBL",
    "brandName": "UNITY BANK",
    "applicationUri": "https://www.unity.bank/help/apply-online/apply-for-a-savings-account",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.unity.bank/savings/transaction-accounts/busiaccess-account/",
      "termsUri": "https://www.unity.bank/reusable-documents/disclosure-documents/account-and-access-facility-conditions-of-use/",
      "eligibilityUri": "https://www.unity.bank/reusable-documents/disclosure-documents/account-and-access-facility-conditions-of-use/",
      "feesAndPricingUri": "https://www.unity.bank/help/rates-fees/"
    }
  }
}