{
  "snapshot_at": "2026-11-13T01:42:52Z",
  "brand": "Westpac",
  "brand_slug": "westpac",
  "product_id": "SavBusCashRes",
  "cdr_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/SavBusCashRes",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://digital-api.westpac.com.au/cds-au/v1/banking/products/SavBusCashRes'",
  "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": "SavBusCashRes",
    "lastUpdated": "2026-11-13T23:31:49Z",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "name": "Business Cash Reserve Savings",
    "description": "Earn interest on your collected GST and access your funds anytime you need them with our most popular business online savings account",
    "brand": "Westpac",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.westpac.com.au/business-banking/savings-accounts/cash-reserve/",
      "termsUri": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/bb/deposit-accts-bus-customers-tandc.pdf",
      "eligibilityUri": "https://www.westpac.com.au/business-banking/savings-accounts/cash-reserve/",
      "feesAndPricingUri": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/bb/deposit-accts-bus-customers-tandc.pdf"
    },
    "features": [
      {
        "featureType": "UNLIMITED_TXNS",
        "additionalInfo": "Unlimited transfers between other Westpac Business accounts held by customer in the same name(s) as the Westpac Business Cash Reserve account, using Business Online Banking or automated Group Telephone Banking only"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "No account-keeping fees: Earn interest on your surplus funds, noting that zero interest rates may apply from time to time."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "$0 linked account transfers: Move cash to and from your Westpac transaction account via Online Banking or the Westpac App."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Access your money 24/7: Get access to your savings at anytime, anywhere. Access to funds subject to system availability."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Bucket your savings: Create multiple accounts for expenses like GST and tax to avoid a cash flow crunch when payments are due"
      },
      {
        "featureType": "DIGITAL_BANKING"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Tiered interest is paid on certain balances"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Interest is paid on a monthly basis."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "You have a choice of 3 or 6 monthly statements."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Unlimited free self-service enquiries."
      },
      {
        "featureType": "FRAUD_PROTECTION",
        "additionalInfo": "The product includes FRAUD_PROTECTION features."
      },
      {
        "featureType": "FRAUD_PROTECTION",
        "additionalInfo": "Westpac Protect Online Banking Security Guarantee. If your Westpac account is compromised due to Online Banking fraud, we guarantee to repay any missing funds, provided you comply with our Online Banking Terms and Conditions."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Account enquiries are always free when you use Online Banking."
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18",
        "additionalInfo": "Applicant plus all signatories"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "Operating in Australia with an Australian address"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Eligible entities include sole traders, partnerships, companies, associations, self-managed super funds, trusts and not-for-profit organisations"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Must not be an individual using the account for predominantly personal purposes"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Needs an eligible Westpac business transaction account to link to."
      }
    ],
    "fees": [
      {
        "name": "Account Keeping Fee",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "additionalValue": "P1M"
      },
      {
        "name": "Overdrawn Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "15.00"
        },
        "additionalInfo": "$15.00 per occurrence"
      },
      {
        "name": "Self-Service (Electronic) Withdrawals",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        }
      },
      {
        "name": "Self-Service (Electronic) Deposits",
        "feeType": "DEPOSIT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        }
      },
      {
        "name": "Cheques Collected / Deposited",
        "feeType": "DEPOSIT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "3.00"
        },
        "additionalInfo": "Cheques collected or deposited (Additional charge for the branch transaction applies)"
      },
      {
        "name": "Staff-Assisted Withdrawal",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "3.00"
        },
        "additionalInfo": "These transactions are not available, however if they occur, a $3.00 fee will be charged for each transaction."
      },
      {
        "name": "Staff-Assisted Deposit",
        "feeType": "DEPOSIT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "3.00"
        }
      },
      {
        "name": "Periodical Payments",
        "feeType": "PAYMENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        }
      },
      {
        "name": "Telephone Banking",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "additionalInfo": "Unlimited free self-service enquiries"
      },
      {
        "name": "Online Banking",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "additionalInfo": "Account enquiries are always free when you use Online Banking."
      }
    ],
    "depositRates": [
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0065",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "0.00 to 4999.00",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "0.00",
            "maximumValue": "4999.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
            "additionalValue": "0.00"
          }
        ]
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0065",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "5000.00 to 9999.00",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "5000.00",
            "maximumValue": "9999.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
            "additionalValue": "5000.00"
          }
        ]
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0065",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "10000.00 to 24999.00",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "10000.00",
            "maximumValue": "24999.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
            "additionalValue": "10000.00"
          }
        ]
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0065",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "25000.00 to 49999.00",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "25000.00",
            "maximumValue": "49999.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
            "additionalValue": "25000.00"
          }
        ]
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0095",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "50000.00 to 249999.00",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "50000.00",
            "maximumValue": "249999.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
            "additionalValue": "50000.00"
          }
        ]
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.015",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "250000.00 to 499999.00",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "250000.00",
            "maximumValue": "499999.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
            "additionalValue": "250000.00"
          }
        ]
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.015",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "500000.00 to 999999.00",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "500000.00",
            "maximumValue": "999999.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
            "additionalValue": "500000.00"
          }
        ]
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0165",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "1000001",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "1000001.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
            "additionalValue": "1000000.00"
          }
        ]
      }
    ]
  }
}