{
  "snapshot_at": "2026-10-22T13:26:00Z",
  "brand": "Up",
  "brand_slug": "up",
  "product_id": "up-everyday",
  "cdr_url": "https://api.up.com.au/cds-au/v1/banking/products/up-everyday",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://api.up.com.au/cds-au/v1/banking/products/up-everyday'",
  "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": "up-everyday",
    "effectiveFrom": "2019-07-02T00:00:00+10:00",
    "effectiveTo": "9999-12-30T01:00:00+11:00",
    "lastUpdated": "2026-10-19T13:08:11+11:00",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "name": "Up Everyday Account",
    "description": "Up’s free everyday account for everyday use. This account comes with a debit card and supports Apple Pay and Osko.",
    "brand": "Up",
    "brandName": "Up",
    "brandGroup": "Up",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://up.com.au/",
      "termsUri": "https://up.com.au/product-terms/",
      "eligibilityUri": "https://up.com.au/product-terms/#keyfeaturestable",
      "feesAndPricingUri": "https://up.com.au/pricing/"
    },
    "features": [
      {
        "featureType": "DIGITAL_BANKING"
      },
      {
        "featureType": "CARD_ACCESS"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Apple Pay",
        "additionalInfo": "Pay with your Apple(TM) device using Apple Pay.",
        "additionalInfoUri": "https://up.com.au/support/FAQ/#faq34"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Google Pay",
        "additionalInfo": "Pay with your Android(TM) device using Google Pay.",
        "additionalInfoUri": "https://up.com.au/support/FAQ/#faq35"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Samsung Pay",
        "additionalInfo": "Pay with your Samsung(TM) device using Samsung Pay.",
        "additionalInfoUri": "https://up.com.au/support/FAQ/#faq31"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Garmin Pay",
        "additionalInfo": "Pay with your Garmin(TM) device using Garmin Pay.",
        "additionalInfoUri": "https://up.com.au/support/FAQ/#faq31"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Google Pay",
        "additionalInfo": "Pay with your Fitbit(TM) device using Google Pay.",
        "additionalInfoUri": "https://up.com.au/support/FAQ/#faq31"
      },
      {
        "featureType": "FRAUD_PROTECTION"
      },
      {
        "featureType": "NOTIFICATIONS",
        "additionalValue": "Customers can receive Apple or Android push notifications to their registered mobile devices, including transaction notifications and weekly summary notifications."
      },
      {
        "featureType": "NPP_ENABLED",
        "additionalValue": "Yes"
      },
      {
        "featureType": "NPP_PAYID",
        "additionalValue": "Yes",
        "additionalInfoUri": "https://up.com.au/multiplayer"
      },
      {
        "featureType": "UNLIMITED_TXNS"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "No monthly service fee."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "No fees for direct debits."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "No fees for online payments."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "No fees for deposits to savers."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "No fees for domestic ATM withdrawals or enquiries."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "No fees on international transactions."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "No fees for overseas ATM withdrawals."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Configure which types of transaction are enabled on the linked debit card."
      }
    ],
    "constraints": [],
    "eligibility": [
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "16"
      }
    ],
    "fees": [
      {
        "name": "Express card delivery or redirection",
        "feeType": "PAYMENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "15.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Emergency Replacement Cards",
        "feeType": "PAYMENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "100.00"
        },
        "currency": "AUD",
        "additionalInfo": "Charged when you request the emergency replacement of your Debit Mastercard lost or stolen overseas, within 72 hours of request."
      },
      {
        "name": "Sales Voucher Retrieval Fee",
        "feeType": "PAYMENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        },
        "currency": "AUD",
        "additionalInfo": "Applies if we make a retrieval request for a Sales voucher for a non-PIN generated transaction and the retrieval request is withdrawn or determined as being a valid transaction."
      },
      {
        "name": "Audit Request",
        "feeType": "PAYMENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "60.00"
        },
        "currency": "AUD",
        "additionalInfo": "When you or your representative (for example, your accountant) request us to provide a written statement of your financial accounts with us.  (minimum charge $30.00)"
      },
      {
        "name": "BPAY Transaction Trace Fee",
        "feeType": "PAYMENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "currency": "AUD",
        "additionalInfo": "When you request us to trace a bill payment you have made through the BPAY scheme."
      },
      {
        "name": "BPAY transaction Recall Fee",
        "feeType": "PAYMENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "currency": "AUD",
        "additionalInfo": "When you request us to recall a bill payment you have made through the BPAY scheme."
      },
      {
        "name": "Pay Anyone Trace Fee (including Osko)",
        "feeType": "PAYMENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "30.00"
        },
        "currency": "AUD",
        "additionalInfo": "Applies to each direct entry transaction (including Osko) where a trace is requested by the customer to obtain information about the transaction made or received by the customer."
      },
      {
        "name": "International Inward Telegraphic Transfers (foreign)",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        },
        "currency": "AUD",
        "additionalInfo": "Acceptance of payments in a foreign currency for SWIFT transfer into your account."
      },
      {
        "name": "International Inward Telegraphic Transfers (AUD)",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "2.00"
        },
        "currency": "AUD",
        "additionalInfo": "Acceptance of payment in AUD currency for SWIFT transfer into your account."
      },
      {
        "name": "Domestic Inward Telegraphic Transfer",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "2.00"
        },
        "currency": "AUD",
        "additionalInfo": "Acceptance of a payment from an Australian financial institution for fast transfer into your account."
      },
      {
        "name": "Domestic Telegraphic Transfer Return Request",
        "feeType": "PAYMENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "25.00"
        },
        "currency": "AUD",
        "additionalInfo": "Applies if you request the return payment of a telegraphic transfer."
      }
    ],
    "depositRates": [
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M"
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.1123",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P6M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "OTHER",
        "loanPurpose": "OTHER",
        "additionalInfo": "The interest rate that applies on overdrawn amounts. We may calculate interest on the overdrawn amount on a daily basis, and debit it to your account half yearly for the Up Everyday Account, until the overdrawn amount is repaid.",
        "additionalInfoUri": "https://up.com.au/product-terms/#section-b"
      }
    ]
  }
}