{
  "snapshot_at": "2026-11-13T01:42:52Z",
  "brand": "Westpac",
  "brand_slug": "westpac",
  "product_id": "WestpacCashInvestmentAcc",
  "cdr_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/WestpacCashInvestmentAcc",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://digital-api.westpac.com.au/cds-au/v1/banking/products/WestpacCashInvestmentAcc'",
  "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": "WestpacCashInvestmentAcc",
    "lastUpdated": "2026-11-13T02:47:07Z",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "name": "Cash Investment Account",
    "description": "The Westpac Cash Investment Account has been designed with Westpac share investors in mind by offering access to low brokerage, competitive interest rates, convenient features and seamless trade settlements.",
    "brand": "Westpac",
    "applicationUri": "https://www.westpac.com.au/personal-banking/share-trading/join/open-account/",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.westpac.com.au/personal-banking/share-trading/cash-investment-account/",
      "termsUri": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/Westpac_Cash_Investment_Account_T_C.pdf",
      "eligibilityUri": "https://www.westpac.com.au/personal-banking/share-trading/cash-investment-account/",
      "feesAndPricingUri": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/Westpac_Cash_Investment_Account_T_C.pdf"
    },
    "features": [
      {
        "featureType": "OTHER",
        "additionalInfo": "Enjoy our lowest brokerage rate starting from $4.95 when you settle your trades through a Westpac Cash Investment Account."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Receive a competitive at-call interest rate with interest calculated daily and paid monthly."
      },
      {
        "featureType": "FRAUD_PROTECTION",
        "additionalInfo": "The product includes fraud protection features."
      },
      {
        "featureType": "RELATIONSHIP_MANAGEMENT",
        "additionalInfo": "Relationship management is available for eligible customers."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "No minimum account balance is required to earn interest."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "No monthly account service fee and free electronic transactions"
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "24/7 access to your account via Online Banking and Mobile Banking."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "View your available funds when placing a trade."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Enjoy the benefit of having one account to manage your investment cash flows."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Option to participate in our Dividend Direction Service. Save time and enjoy the convenience of your Westpac Cash Investment Account being automatically nominated to receive your dividends."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Our Dividend Direction Service offers you the convenience of having your Westpac Cash Investment Account automatically nominated to receive the dividends from all your current CHESS sponsored holdings."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "The account can be opened online or through a Private Banker."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Funds at call facility is available for this product ."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "You will get quarterly regular statements."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Interest is paid on monthly basis."
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Bills can be paid using BPAY."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Direct debits can be set up."
      },
      {
        "featureType": "DIGITAL_BANKING",
        "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": "Must be linked to a Westpac Share Trading account."
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18",
        "additionalInfo": "Individuals and business customers must be over 18 years of age."
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Individuals must have an Australian Residential Address. Business customers must be operating using an Australian address."
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Individuals and business customers must Hold a Westpac Share Trading account in the same name (at the time of opening the Westpac Cash Investment account)"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Individuals must be using the account for predominantly personal purposes."
      },
      {
        "eligibilityType": "BUSINESS",
        "additionalInfo": "Business customers must be a company, sole trader, partnership, association, trust, not-for-profit organisation or self-managed superannuation fund."
      }
    ],
    "fees": [
      {
        "name": "Account Keeping Fee",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "additionalValue": "P1M"
      },
      {
        "name": "Telephone Banking",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "additionalInfo": "Automated telephone banking"
      },
      {
        "name": "Online Banking",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "additionalInfo": "Westpac Online Banking"
      },
      {
        "name": "Direct Debit",
        "feeType": "PAYMENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "additionalInfo": "Direct Debits ? Westpac Share Trading."
      },
      {
        "name": "Branch assisted deposit",
        "feeType": "DEPOSIT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        }
      },
      {
        "name": "Branch assisted withdrawal",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "additionalInfo": "$5.00 (From 01 December 2022, Nil)"
      },
      {
        "name": "Self served deposits",
        "feeType": "DEPOSIT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        }
      },
      {
        "name": "Self served withdrawals",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        }
      },
      {
        "name": "Pay Anyone",
        "feeType": "PAYMENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        }
      },
      {
        "name": "Overdrawn",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "15.00"
        },
        "additionalInfo": "This fee is applicable for each transaction that: 1.Overdraws your account or further overdraws the account;2.Is a withdrawal against uncleared funds; or 3.Exceeds the available funds in the account at the time of the transaction.(Other Bank Charges) $9.00 per item (From 01 December 2022, $15.00)"
      }
    ],
    "depositRates": [
      {
        "depositRateType": "VARIABLE",
        "rate": "0.013",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "0 to 9999",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "0.00",
            "maximumValue": "9999.00",
            "rateApplicationMethod": "PER_TIER"
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
            "additionalValue": "0.00"
          }
        ],
        "additionalInfo": "Interest is calculated daily using a tiered interest rate, meaning the particular interest rate that applies to you will depend on the daily closing balance of your Cash Investment Account. Please refer to the link below for information on the interest rates applicable to the Westpac Cash Investment Account.",
        "additionalInfoUri": "https://www.westpac.com.au/personal-banking/share-trading/support/rates-fees/"
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.013",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "10000 to 19999",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "10000.00",
            "maximumValue": "19999.00",
            "rateApplicationMethod": "PER_TIER"
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
            "additionalValue": "10000.00"
          }
        ],
        "additionalInfo": "Interest is calculated daily using a tiered interest rate, meaning the particular interest rate that applies to you will depend on the daily closing balance of your Cash Investment Account. Please refer to the link below for information on the interest rates applicable to the Westpac Cash Investment Account.",
        "additionalInfoUri": "https://www.westpac.com.au/personal-banking/share-trading/support/rates-fees/"
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.013",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "20000 to 49999",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "20000.00",
            "maximumValue": "49999.00",
            "rateApplicationMethod": "PER_TIER"
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
            "additionalValue": "20000.00"
          }
        ],
        "additionalInfo": "Interest is calculated daily using a tiered interest rate, meaning the particular interest rate that applies to you will depend on the daily closing balance of your Cash Investment Account. Please refer to the link below for information on the interest rates applicable to the Westpac Cash Investment Account.",
        "additionalInfoUri": "https://www.westpac.com.au/personal-banking/share-trading/support/rates-fees/"
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.013",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "50000 to 99999",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "50000.00",
            "maximumValue": "99999.00",
            "rateApplicationMethod": "PER_TIER"
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
            "additionalValue": "50000.00"
          }
        ],
        "additionalInfo": "Interest is calculated daily using a tiered interest rate, meaning the particular interest rate that applies to you will depend on the daily closing balance of your Cash Investment Account. Please refer to the link below for information on the interest rates applicable to the Westpac Cash Investment Account.",
        "additionalInfoUri": "https://www.westpac.com.au/personal-banking/share-trading/support/rates-fees/"
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0175",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "100000 to 249999",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "100000.00",
            "maximumValue": "249999.00",
            "rateApplicationMethod": "PER_TIER"
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
            "additionalValue": "100000.00"
          }
        ],
        "additionalInfo": "Interest is calculated daily using a tiered interest rate, meaning the particular interest rate that applies to you will depend on the daily closing balance of your Cash Investment Account. Please refer to the link below for information on the interest rates applicable to the Westpac Cash Investment Account.",
        "additionalInfoUri": "https://www.westpac.com.au/personal-banking/share-trading/support/rates-fees/"
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0245",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "250000 to 499999",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "250000.00",
            "maximumValue": "499999.00",
            "rateApplicationMethod": "PER_TIER"
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
            "additionalValue": "250000.00"
          }
        ],
        "additionalInfo": "Interest is calculated daily using a tiered interest rate, meaning the particular interest rate that applies to you will depend on the daily closing balance of your Cash Investment Account. Please refer to the link below for information on the interest rates applicable to the Westpac Cash Investment Account.",
        "additionalInfoUri": "https://www.westpac.com.au/personal-banking/share-trading/support/rates-fees/"
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0245",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "500000 to 999999",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "500000.00",
            "maximumValue": "999999.00",
            "rateApplicationMethod": "PER_TIER"
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
            "additionalValue": "500000.00"
          }
        ],
        "additionalInfo": "Interest is calculated daily using a tiered interest rate, meaning the particular interest rate that applies to you will depend on the daily closing balance of your Cash Investment Account. Please refer to the link below for information on the interest rates applicable to the Westpac Cash Investment Account.",
        "additionalInfoUri": "https://www.westpac.com.au/personal-banking/share-trading/support/rates-fees/"
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.032",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "1000000 to 4999999",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "1000000.00",
            "maximumValue": "4999999.00",
            "rateApplicationMethod": "PER_TIER"
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
            "additionalValue": "1000000.00"
          }
        ],
        "additionalInfo": "Interest is calculated daily using a tiered interest rate, meaning the particular interest rate that applies to you will depend on the daily closing balance of your Cash Investment Account. Please refer to the link below for information on the interest rates applicable to the Westpac Cash Investment Account.",
        "additionalInfoUri": "https://www.westpac.com.au/personal-banking/share-trading/support/rates-fees/"
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.032",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "Above 4999999",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "5000000.00",
            "rateApplicationMethod": "PER_TIER"
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
            "additionalValue": "5000000.00"
          }
        ],
        "additionalInfo": "Interest is calculated daily using a tiered interest rate, meaning the particular interest rate that applies to you will depend on the daily closing balance of your Cash Investment Account. Please refer to the link below for information on the interest rates applicable to the Westpac Cash Investment Account.",
        "additionalInfoUri": "https://www.westpac.com.au/personal-banking/share-trading/support/rates-fees/"
      }
    ]
  }
}