{
  "snapshot_at": "2026-11-05T03:32:35Z",
  "brand": "Westpac",
  "brand_slug": "westpac",
  "product_id": "TrComSolOne",
  "cdr_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/TrComSolOne",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://digital-api.westpac.com.au/cds-au/v1/banking/products/TrComSolOne'",
  "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": "TrComSolOne",
    "lastUpdated": "2026-11-04T03:46:01Z",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "name": "Community Solutions One",
    "description": "Not-for-profit transaction account. Choose Community Solutions One, our no-fees bank account for charities and other not-for-profits.",
    "brand": "Westpac",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.westpac.com.au/business-banking/bank-accounts/not-for-profit-community-cheque/",
      "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/bank-accounts/not-for-profit-community-cheque/",
      "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": "Link your account to a Business Debit Card"
      },
      {
        "featureType": "CARD_ACCESS",
        "additionalValue": "Westpac Business Debit Card / Handycard access is available for the account."
      },
      {
        "featureType": "UNLIMITED_TXNS",
        "additionalInfo": "Unlimited electronic transactions and staff assisted transactions (including cheque)"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "No monthly fees - We'd rather you put the money to good use, supporting your cause."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "No transaction fees - Includes all online and in-app payments plus in-branch banking"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Speed and convenience - 24/7 banking through Online Banking and the Westpac App"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Receive payments near instantly via OSKO"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Simplify your accounting by linking Xero, MYOB and others with bank feeds"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Use a business debit card5 for cash and purchases"
      },
      {
        "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": "OTHER",
        "additionalInfo": "Eligible account for the EFTPOS Air App",
        "additionalInfoUri": "https://www.westpac.com.au/business-banking/merchants-and-payments/merchant-industry/not-for-profit/"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Deposit, receive and access funds, and make payments through a variety of banking channels including in branch, online, telephone banking and debit card"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Complement your everyday account with a Community Solutions Cash Reserve savings account"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Authorise and manage payments from your bank account with PayTo."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "eStatements - Stay on top of your finances with less clutter"
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Company or business can pay bills using BPAY."
      },
      {
        "featureType": "FRAUD_PROTECTION",
        "additionalInfo": "The product includes FRAUD_PROTECTION features."
      },
      {
        "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 access available for customers above 18 years of age"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Make and receive secure payments via PayID"
      },
      {
        "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 with an Australian address"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Not-for-profit organisations including charities, community and sporting groups, schools, government bodies, and registered political parties"
      }
    ],
    "fees": [
      {
        "name": "Account Keeping Fee",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "additionalValue": "P1M"
      },
      {
        "name": "Overseas Withdrawal Fee",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "additionalInfo": "Overseas Withdrawal fee from ATMs belonging to institutions in the Global ATM Alliance (An overseas bank surcharge may also apply). Nil for cash withdrawals from Global ATM Alliance and Westpac Group partner ATMs. To find an overseas ATM visit westpac.com.au and search 'Global ATM Alliance'"
      },
      {
        "name": "Overdrawn Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "15.00"
        }
      },
      {
        "name": "Group Telephone Banking",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        }
      },
      {
        "name": "Online Banking",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        }
      },
      {
        "name": "Cheques Collected / Deposited",
        "feeType": "DEPOSIT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "additionalInfo": "Applicable after free monthly transactions are exceeded."
      },
      {
        "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": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        }
      },
      {
        "name": "Staff-Assisted Deposit",
        "feeType": "DEPOSIT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        }
      },
      {
        "name": "Cheques Written",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        }
      },
      {
        "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": "Periodical Payments",
        "feeType": "PAYMENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        }
      }
    ],
    "depositRates": [
      {
        "depositRateType": "VARIABLE",
        "rate": "0.00",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "0 to 4999",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "0.00",
            "maximumValue": "4999.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "OTHER",
            "additionalInfo": "Currently not applicable"
          }
        ]
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.00",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "5000 to 9999",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "5000.00",
            "maximumValue": "9999.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "OTHER",
            "additionalInfo": "Currently not applicable"
          }
        ]
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.00",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "10000 to 19999",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "10000.00",
            "maximumValue": "19999.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "OTHER",
            "additionalInfo": "Currently not applicable"
          }
        ]
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.00",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "20000 to 49999",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "20000.00",
            "maximumValue": "49999.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "OTHER",
            "additionalInfo": "Currently not applicable"
          }
        ]
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.00",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "50000 to 99999",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "50000.00",
            "maximumValue": "99999.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "OTHER",
            "additionalInfo": "Currently not applicable"
          }
        ]
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.00",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "100000+",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "100000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "OTHER",
            "additionalInfo": "Currently not applicable"
          }
        ]
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "PENALTY",
        "rate": "0.1501",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "OTHER",
        "loanPurpose": "OTHER",
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "OTHER",
            "additionalInfo": "Currently not applicable"
          }
        ],
        "additionalValue": "P1M",
        "additionalInfo": "The Unarranged Lending Rate (ULR) is a debit interest rate charged to a transaction account if it becomes overdrawn without arrangement. It will be calculated daily on the debit balance (and deducted on the last business day of each month) using the then current ULR until the account balance is positive again."
      }
    ]
  }
}