{
  "snapshot_at": "2026-11-13T01:42:52Z",
  "brand": "Westpac",
  "brand_slug": "westpac",
  "product_id": "TrBusPremiumCashReserve",
  "cdr_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/TrBusPremiumCashReserve",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://digital-api.westpac.com.au/cds-au/v1/banking/products/TrBusPremiumCashReserve'",
  "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": "TrBusPremiumCashReserve",
    "lastUpdated": "2026-11-13T23:31:49Z",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "name": "Business Premium Cash Reserve",
    "description": "An online savings account designed for those who wish to earn a higher rate of interest on their investments having convenient access to funds via Telephone Banking or Online Banking. The Business Premium Cash Reserve has certain qualifying criteria.",
    "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"
    },
    "features": [
      {
        "featureType": "OTHER",
        "additionalInfo": "Interest Rates Availability: Tiered interest is paid on certain balances."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Interest paid monthly"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Statements: Choice of 3 or 6 monthly statements."
      },
      {
        "featureType": "FRAUD_PROTECTION",
        "additionalInfo": "The product includes limited fraud protection features."
      },
      {
        "featureType": "RELATIONSHIP_MANAGEMENT",
        "additionalInfo": "Relationship management is available for eligible customers."
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Business Customers who hold another Westpac Business transaction account(s) in the same name(s) as the Business Premium Cash Reserve account."
      }
    ],
    "fees": [
      {
        "name": "Account Keeping Fee",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "additionalValue": "P1M"
      },
      {
        "name": "Group Telephone Banking",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "additionalInfo": "Unlimited free self-service enquiries"
      },
      {
        "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": "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": "Staff-Assisted Withdrawal",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "3.00"
        },
        "additionalInfo": "These channels are not available, however if these transactions occur for each transaction a $3.00 fee will be incurred."
      },
      {
        "name": "Staff-Assisted Deposit",
        "feeType": "DEPOSIT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "3.00"
        }
      },
      {
        "name": "Online Banking",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "additionalInfo": "Account enquiries are always free when you use Online Banking."
      },
      {
        "name": "Periodical Payments",
        "feeType": "PAYMENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        }
      }
    ],
    "depositRates": [
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0001",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "0 to 249999",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "0.00",
            "maximumValue": "249999.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
            "additionalValue": "0.00"
          }
        ]
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.015",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "250000 to 499999 ",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "250000.00",
            "maximumValue": "499999.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
            "additionalValue": "0.00"
          }
        ]
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.015",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "500000 to 999999 ",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "500000.00",
            "maximumValue": "999999.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
            "additionalValue": "0.00"
          }
        ]
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.015",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "1000000 to 4999999 ",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "1000000.00",
            "maximumValue": "4999999.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
            "additionalValue": "0.00"
          }
        ]
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.015",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "5000000 to 9999999 ",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "5000000.00",
            "maximumValue": "9999999.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
            "additionalValue": "0.00"
          }
        ]
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.015",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "10000000+",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "10000001.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
            "additionalValue": "10000000.00"
          }
        ]
      }
    ]
  }
}