{
  "snapshot_at": "2026-11-11T00:52:03Z",
  "brand": "Virgin Money",
  "brand_slug": "virgin-money",
  "product_id": "cf176288-5c03-ee11-8f6e-00224814dce7",
  "cdr_url": "https://api.cds.virginmoney.com.au/cds-au/v1/banking/products/cf176288-5c03-ee11-8f6e-00224814dce7",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://api.cds.virginmoney.com.au/cds-au/v1/banking/products/cf176288-5c03-ee11-8f6e-00224814dce7'",
  "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": "cf176288-5c03-ee11-8f6e-00224814dce7",
    "lastUpdated": "2026-11-09T22:22:41Z",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "name": "Virgin Money Go Account",
    "description": "Bank like never before with a Virgin Money transaction account. Earn Virgin Money Points for how you spend and budget - with epic rewards all the way.",
    "brand": "VMA",
    "brandName": "Virgin Money Australia",
    "applicationUri": "https://application.virginmoney.com.au/virginmoney-form/bank-and-save/apply-now/",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://virginmoney.com.au/bank-and-save/accounts/go-account.html",
      "termsUri": "https://virginmoney.com.au/help-and-support/forms-and-important-information/bank-and-save",
      "eligibilityUri": "https://virginmoney.com.au/help-and-support/forms-and-important-information/bank-and-save",
      "feesAndPricingUri": "https://virginmoney.com.au/bank-and-save/rates-and-fees.html"
    },
    "cardArt": [
      {
        "title": "Virgin Money Go Card Art",
        "imageUri": "https://virginmoney.com.au/content/dam/virginmoney/edm/savings-and-transactions/welcome-edm/footer_img.png",
        "cardScheme": "VISA",
        "cardType": "DEBIT"
      }
    ],
    "features": [
      {
        "featureType": "BONUS_REWARDS",
        "additionalValue": "5000",
        "additionalInfo": "New customers will earn 5,000 Bonus Virgin Money Points when you meet the welcome offer criteria.",
        "additionalInfoUri": "https://virginmoney.com.au/bank-and-save/accounts/go-account.html"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Your everyday Virgin Money Go Account comes perfectly paired with our high interest Virgin Money Boost Saver.",
        "additionalInfoUri": "https://virginmoney.com.au/bank-and-save/accounts/go-account.html"
      },
      {
        "featureType": "NPP_ENABLED",
        "additionalInfoUri": "https://virginmoney.com.au/bank-and-save/accounts/go-account.html"
      },
      {
        "featureType": "BILL_PAYMENT",
        "additionalValue": "BPAY",
        "additionalInfoUri": "https://virginmoney.com.au/bank-and-save/accounts/go-account.html"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Samsung Pay",
        "additionalInfoUri": "https://virginmoney.com.au/bank-and-save/accounts/go-account.html"
      },
      {
        "featureType": "LOYALTY_PROGRAM",
        "additionalValue": "Virgin Money Rewards",
        "additionalInfo": "Virgin Money Rewards is our all-new rewards program, available on Virgin Money transaction and savings accounts. It neatly bundles Virgin Money Points, epic perks and great experiences, all tailored to you. Whether you're spending big, saving hard, or simply building better money habits, we're all for recognising and rewarding you every day, not just someday.",
        "additionalInfoUri": "https://virginmoney.com.au/bank-and-save/accounts/go-account.html"
      },
      {
        "featureType": "BONUS_REWARDS",
        "additionalValue": "8",
        "additionalInfo": "Get 8 Virgin Money points on every purchase, direct debit and BPAY payment when you meet the Monthly Criteria",
        "additionalInfoUri": "https://virginmoney.com.au/bank-and-save/accounts/go-account.html"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Google Pay",
        "additionalInfoUri": "https://virginmoney.com.au/bank-and-save/accounts/go-account.html"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Easily track your spending and understand your money habits",
        "additionalInfoUri": "https://virginmoney.com.au/bank-and-save/accounts/go-account.html"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Apple Pay",
        "additionalInfoUri": "https://virginmoney.com.au/bank-and-save/accounts/go-account.html"
      },
      {
        "featureType": "UNLIMITED_TXNS",
        "additionalInfoUri": "https://virginmoney.com.au/bank-and-save/accounts/go-account.html"
      },
      {
        "featureType": "NPP_PAYID",
        "additionalInfo": "Use your mobile number or email address to receive PayID payments",
        "additionalInfoUri": "https://virginmoney.com.au/bank-and-save/accounts/go-account.html"
      },
      {
        "featureType": "NOTIFICATIONS",
        "additionalValue": "Notifications",
        "additionalInfo": "Get Clever insights and real-time alerts",
        "additionalInfoUri": "https://virginmoney.com.au/bank-and-save/accounts/go-account.html"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "Australian resident",
        "additionalInfo": "Australian resident",
        "additionalInfoUri": "https://virginmoney.com.au/bank-and-save/accounts/go-account.html"
      },
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "14",
        "additionalInfo": "You must be at least 14 years of age to apply for a Virgin Money Go Account",
        "additionalInfoUri": "https://virginmoney.com.au/bank-and-save/accounts/go-account.html"
      }
    ],
    "fees": [
      {
        "name": "Paper Statement - Domestic",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "3.0000"
        },
        "currency": "AUD",
        "additionalValue": "P1M",
        "additionalInfo": "Charged for each paper statement that is required to be posted to an address in Australia.",
        "additionalInfoUri": "https://virginmoney.com.au/bank-and-save/rates-and-fees.html"
      },
      {
        "name": "Paper Statement - International",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.0000"
        },
        "currency": "AUD",
        "additionalValue": "P1M",
        "additionalInfo": "Charged for each paper statement that is required to be posted to an International Address.",
        "additionalInfoUri": "https://virginmoney.com.au/bank-and-save/rates-and-fees.html"
      },
      {
        "name": "International Emergency Card Replacement",
        "feeType": "REPLACEMENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "75.0000"
        },
        "currency": "AUD",
        "additionalInfo": "Charged when we courier a card to you internationally.",
        "additionalInfoUri": "https://virginmoney.com.au/bank-and-save/rates-and-fees.html"
      },
      {
        "name": "Manual Statement",
        "feeType": "ENQUIRY",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.0000"
        },
        "currency": "AUD",
        "additionalInfo": "Charged when you request a manual statement to be generated and emailed to you. All statements are available on the Virgin Money App and can be accessed for closed accounts.",
        "additionalInfoUri": "https://virginmoney.com.au/bank-and-save/rates-and-fees.html"
      },
      {
        "name": "BPAY,Pay Someone, Card Transactions",
        "feeType": "PAYMENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.0000"
        },
        "currency": "AUD",
        "additionalInfo": "There is no fee charged by Virgin Money for performing a BPAY Payment, Pay Anyone or making a card transaction. Merchants may charge fee in respect of card transactions which should be advised to you at the time of making the transaction.",
        "additionalInfoUri": "https://virginmoney.com.au/bank-and-save/rates-and-fees.html"
      },
      {
        "name": "Failed Transaction Dispute",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "15.0000"
        },
        "currency": "AUD",
        "additionalInfo": "Charged when a transaction dispute is unsuccessful.",
        "additionalInfoUri": "https://virginmoney.com.au/bank-and-save/rates-and-fees.html"
      },
      {
        "name": "Bank Cheque",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.0000"
        },
        "currency": "AUD",
        "additionalInfo": "Charged for each bank cheque that is produced and posted to an Australian address.",
        "additionalInfoUri": "https://virginmoney.com.au/bank-and-save/rates-and-fees.html"
      },
      {
        "name": "Cheque Dishonour",
        "feeType": "DISHONOUR",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.0000"
        },
        "currency": "AUD",
        "additionalInfo": "Charged for each Cheque deposit that is dishonoured on the same day that the dishonour takes place.",
        "additionalInfoUri": "https://virginmoney.com.au/bank-and-save/rates-and-fees.html"
      },
      {
        "name": "Monthly Account Keeping",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.0000"
        },
        "currency": "AUD",
        "additionalValue": "P1M",
        "additionalInfo": "There are no monthly account keeping fees with our Virgin Money Deposit Accounts.",
        "additionalInfoUri": "https://virginmoney.com.au/bank-and-save/rates-and-fees.html"
      },
      {
        "name": "International Balance Enquiry",
        "feeType": "ENQUIRY",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "2.0000"
        },
        "currency": "AUD",
        "additionalInfo": "Charged when a balance enquiry is performed at an ATM outside of Australia. A fee may also be charged by the ATM and should be displayed on the screen before proceeding with the withdrawal.",
        "additionalInfoUri": "https://virginmoney.com.au/bank-and-save/rates-and-fees.html"
      },
      {
        "name": "Electronic Transaction Error Correction Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "30.0000"
        },
        "currency": "AUD",
        "additionalInfo": "Charged when the bank is requested by you or the recipient Financial Institution or Biller, to correct an error you have made with a BPAY payment, using the 'Pay Someone' functionality, or NPP transaction.",
        "additionalInfoUri": "https://virginmoney.com.au/bank-and-save/rates-and-fees.html"
      },
      {
        "name": "Unclaimed Monies",
        "feeType": "OTHER",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "30.0000"
        },
        "currency": "AUD",
        "additionalInfo": "Charged when the unclaimed monies process starts which is after 7 years of inactivity.",
        "additionalInfoUri": "https://virginmoney.com.au/bank-and-save/rates-and-fees.html"
      },
      {
        "name": "Cash and Cheque Deposit",
        "feeType": "DEPOSIT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.0000"
        },
        "currency": "AUD",
        "additionalInfo": "Charged for each cheque or cash deposit that is made into your account.",
        "additionalInfoUri": "https://virginmoney.com.au/bank-and-save/rates-and-fees.html"
      },
      {
        "name": "Direct Debit Dishonour",
        "feeType": "DISHONOUR",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.0000"
        },
        "currency": "AUD",
        "additionalInfo": "Charged for each direct debit that is dishonoured on the same day that the dishonour takes place.",
        "additionalInfoUri": "https://virginmoney.com.au/bank-and-save/rates-and-fees.html"
      },
      {
        "name": "Domestic Emergency Card Replacement",
        "feeType": "REPLACEMENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "15.0000"
        },
        "currency": "AUD",
        "additionalInfo": "Charged when we courier a card to you within Australia.",
        "additionalInfoUri": "https://virginmoney.com.au/bank-and-save/rates-and-fees.html"
      },
      {
        "name": "Domestic ATM Withdrawal",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.0000"
        },
        "currency": "AUD",
        "additionalInfo": "We don't charge a fee to withdraw cash, however a fee may be charged by the ATM Operator and should be displayed on the screen before proceeding with the withdrawal. Most major bank ATMs do not charge a fee, giving you access to over 10,000 ATMs across Australia.",
        "additionalInfoUri": "https://virginmoney.com.au/bank-and-save/rates-and-fees.html"
      },
      {
        "name": "Trace",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.0000"
        },
        "currency": "AUD",
        "additionalInfo": "Charged for each request to perform a trace on any transaction type.",
        "additionalInfoUri": "https://virginmoney.com.au/bank-and-save/rates-and-fees.html"
      },
      {
        "name": "Currency Conversion",
        "feeType": "TRANSACTION",
        "feeMethodUType": "rateBased",
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.0000000000000000"
        },
        "currency": "AUD",
        "additionalInfo": "Fee charged for any International Transaction which includes: any transaction made in a foreign currency; or when any transaction is processed outside of Australia (in Australian dollars or a foreign currency). It is calculated as a percentage of the Australian dollar equivalent.",
        "additionalInfoUri": "https://virginmoney.com.au/bank-and-save/rates-and-fees.html"
      },
      {
        "name": "International ATM Withdrawal",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.0000"
        },
        "currency": "AUD",
        "additionalInfo": "Charged when a withdrawal is performed at an ATM outside of Australia. A fee may also be charged by the ATM owner and should be displayed on the screen before proceeding with the withdrawal.",
        "additionalInfoUri": "https://virginmoney.com.au/bank-and-save/rates-and-fees.html"
      }
    ]
  }
}