{
  "snapshot_at": "2026-10-28T23:52:36Z",
  "brand": "Westpac",
  "brand_slug": "westpac",
  "product_id": "TrBusOneNegotiatorPlan",
  "cdr_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/TrBusOneNegotiatorPlan",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://digital-api.westpac.com.au/cds-au/v1/banking/products/TrBusOneNegotiatorPlan'",
  "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": "TrBusOneNegotiatorPlan",
    "lastUpdated": "2026-10-28T01:56:11Z",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "name": "Business One - Negotiator Plan",
    "description": "An integrated business product designed to meet all your cash flow requirements. The negotiator plan has certain qualifying criteria and is only available to relationship managed customers.",
    "brand": "Westpac",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/bb/deposit-accts-bus-customers-tandc.pdf",
      "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/content/dam/public/wbc/documents/pdf/bb/deposit-accts-bus-customers-tandc.pdf",
      "feesAndPricingUri": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/bb/deposit-accts-bus-customers-tandc.pdf"
    },
    "cardArt": [
      {
        "cardScheme": "VISA",
        "cardType": "DEBIT",
        "title": "Westpac Business Debit",
        "imageUri": "https://www.westpac.com.au/content/dam/public/open-banking/wbc-b-business-visa-debit-card231x146.png"
      }
    ],
    "features": [
      {
        "featureType": "CARD_ACCESS",
        "additionalValue": "Westpac Business Debit Card / Handycard access"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Interest rates are available on application."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Following fees to be known on application (Transaction Fees when charge per transaction when the number of free transactions per month is exceeded): Cheques Written, Cheques Collected, Staff-assisted withdrawal, Staff-assisted deposit, Narrated Credits."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Interest paid on monthly basis."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "With PayTo, you can see, review and authorise all new PayTo payments for things such as recurring bills, memberships and subscriptions before the money leaves your account."
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Company or business can pay bills using BPAY."
      },
      {
        "featureType": "FRAUD_PROTECTION",
        "additionalInfo": "The product includes limited fraud protection features."
      },
      {
        "featureType": "RELATIONSHIP_MANAGEMENT",
        "additionalInfo": "Relationship management is available for eligible customers."
      },
      {
        "featureType": "OVERDRAFT",
        "additionalInfo": "Overdraft or loan facility available on account, customer must be over 18 years of age."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Your company will get a regular statements of the account"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Your company/business can make Periodical Payments from this account"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Cheque book access is not available for new accounts opened on or after 19 May 2025. For accounts opened before 19 May 2025, customers can order a cheque book by calling us.",
        "additionalInfoUri": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/bb/deposit-accts-bus-customers-tandc.pdf"
      },
      {
        "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": "OTHER",
        "additionalInfo": "Business Customers only who are relationship managed."
      }
    ],
    "fees": [
      {
        "name": "Account Keeping Fee",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "additionalValue": "P1M",
        "additionalInfo": "There is no Monthly Plan Fee for this product."
      },
      {
        "name": "Overseas Withdrawal Fee",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        }
      },
      {
        "name": "Group Telephone Banking",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "additionalInfo": "Nil for cash withdrawals from ATMs belonging to institutions in the Global ATM Alliance."
      },
      {
        "name": "Online Banking",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        }
      },
      {
        "name": "Cheques Collected / Deposited",
        "feeType": "DEPOSIT",
        "feeMethodUType": "variable",
        "variable": {},
        "additionalInfo": "Price on application"
      },
      {
        "name": "Foreign Transaction Fee - non-AU merchant",
        "feeType": "TRANSACTION",
        "feeMethodUType": "rateBased",
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.03"
        },
        "additionalInfo": "3% of the $AUD transaction amount where a transaction is made in foreign currency and the merchant or financial institution accepting the card is located outside Australia (comprising of 2% Westpac Processing Fee plus 1% Westpac On-Charged Scheme Fee)"
      },
      {
        "name": "Foreign Transaction Fee - AU merchant",
        "feeType": "TRANSACTION",
        "feeMethodUType": "rateBased",
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.022"
        },
        "additionalInfo": "2.2% of the $AUD transaction amount where a transaction is made in foreign currency and the merchant or financial institution accepting the card is located in Australia (comprising of 2% Westpac Processing Fee plus 0.2% Westpac On-Charged Scheme Fee)."
      },
      {
        "name": "Staff-Assisted Withdrawal",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "variable",
        "variable": {},
        "additionalInfo": "Price on application"
      },
      {
        "name": "Staff-Assisted Deposit",
        "feeType": "DEPOSIT",
        "feeMethodUType": "variable",
        "variable": {},
        "additionalInfo": "Price on application"
      },
      {
        "name": "Cheques Written",
        "feeType": "TRANSACTION",
        "feeMethodUType": "variable",
        "variable": {},
        "additionalInfo": "Price on application"
      },
      {
        "name": "Self-Service (Electronic) Withdrawals",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "variable",
        "variable": {},
        "additionalInfo": "Price on application"
      },
      {
        "name": "Self-Service (Electronic) Deposits",
        "feeType": "DEPOSIT",
        "feeMethodUType": "variable",
        "variable": {},
        "additionalInfo": "Price on application"
      },
      {
        "name": "Periodical Payments",
        "feeType": "PAYMENT",
        "feeMethodUType": "variable",
        "variable": {},
        "additionalInfo": "Price on application"
      }
    ]
  }
}