{
 "snapshot_at": "2026-10-02T09:49:49Z",
 "brand": "BNK Bank (Goldfields Money/BCHL)",
 "brand_slug": "bnk-bank-goldfields-money-bchl",
 "product_id": "Bus_TD_01",
 "cdr_url": "https://public.cdr.bnk.com.au/cds-au/v1/banking/products/Bus_TD_01",
 "x_v": 7,
 "how_to_fetch": "curl -H 'x-v: 7' 'https://public.cdr.bnk.com.au/cds-au/v1/banking/products/Bus_TD_01'",
 "note": "Verbatim copy of the bank's Consumer Data Right product detail response as fetched by Deep Almanac. The live endpoint requires the x-v header shown. snapshot_at is when this version of the record was first fetched; the file is rewritten only when the bank's data changes.",
 "data": {
  "brand": "BNK Bank (Goldfields Money/BCHL)",
  "description": "Business Term Deposit option: we pay a great rate to reward you for stashing your hard earned cash with us.",
  "isTailored": false,
  "lastUpdated": "2026-07-19T20:00:00.74711Z",
  "name": "Business Term Deposit",
  "productCategory": "TERM_DEPOSITS",
  "productId": "Bus_TD_01",
  "additionalInformation": {
   "overviewUri": null,
   "termsUri": null,
   "eligibilityUri": null,
   "feesAndPricingUri": null,
   "bundleUri": null,
   "additionalOverviewUris": [],
   "additionalTermsUris": [],
   "additionalEligibilityUris": [],
   "additionalFeesAndPricingUris": [],
   "additionalBundleUris": []
  },
  "applicationUri": null,
  "brandName": "BNK Bank (Goldfields Money/BCHL)",
  "brandGroup": null,
  "cardArt": [],
  "effectiveFrom": "2025-04-15T14:00:00Z",
  "effectiveTo": "9999-09-29T13:00:00Z",
  "bundles": [],
  "constraints": [
   {
    "constraintType": "MIN_BALANCE",
    "additionalInfo": null,
    "additionalInfoUri": null,
    "additionalValue": "5000.00"
   },
   {
    "constraintType": "OPENING_BALANCE",
    "additionalInfo": null,
    "additionalInfoUri": null,
    "additionalValue": "5000.00"
   }
  ],
  "depositRates": [
   {
    "depositRateType": "FIXED",
    "rate": "0.0405",
    "additionalInfo": "Rate applied to a 1 Month Term Deposit",
    "additionalInfoUri": "https://www.goldfieldsmoney.com.au/products/deposits/term-deposits/",
    "additionalValue": "P1M",
    "applicationFrequency": "P1M",
    "calculationFrequency": null,
    "tiers": [],
    "applicationType": "MATURITY",
    "applicabilityConditions": [
     {
      "additionalInfo": "This rate is applicable to new Term Deposit Accounts ",
      "additionalInfoUri": null,
      "rateApplicabilityType": "NEW_ACCOUNTS",
      "additionalValue": null
     }
    ]
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0525",
    "additionalInfo": "The rate applied to a 9 month Term Deposit",
    "additionalInfoUri": "https://www.goldfieldsmoney.com.au/products/deposits/term-deposits/",
    "additionalValue": "P9M",
    "applicationFrequency": "P9M",
    "calculationFrequency": null,
    "tiers": [],
    "applicationType": "MATURITY",
    "applicabilityConditions": [
     {
      "additionalInfo": "This rate is applicable to new Term Deposit Accounts ",
      "additionalInfoUri": null,
      "rateApplicabilityType": "NEW_ACCOUNTS",
      "additionalValue": null
     }
    ]
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0525",
    "additionalInfo": "The rate applied to a 8 month Term Deposit",
    "additionalInfoUri": "https://www.goldfieldsmoney.com.au/products/deposits/term-deposits/",
    "additionalValue": "P8M",
    "applicationFrequency": "P8M",
    "calculationFrequency": null,
    "tiers": [],
    "applicationType": "MATURITY",
    "applicabilityConditions": [
     {
      "additionalInfo": "This rate is applicable to new Term Deposit Accounts ",
      "additionalInfoUri": null,
      "rateApplicabilityType": "NEW_ACCOUNTS",
      "additionalValue": null
     }
    ]
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0495",
    "additionalInfo": "The rate applied to a 3 month Term Deposit\n",
    "additionalInfoUri": "https://www.goldfieldsmoney.com.au/products/deposits/term-deposits/",
    "additionalValue": "P3M",
    "applicationFrequency": "P3M",
    "calculationFrequency": null,
    "tiers": [],
    "applicationType": "MATURITY",
    "applicabilityConditions": [
     {
      "additionalInfo": "This rate is applicable to new Term Deposit Accounts ",
      "additionalInfoUri": null,
      "rateApplicabilityType": "NEW_ACCOUNTS",
      "additionalValue": null
     }
    ]
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0525",
    "additionalInfo": "The rate applied to a 7 month Term Deposit",
    "additionalInfoUri": "https://www.goldfieldsmoney.com.au/products/deposits/term-deposits/",
    "additionalValue": "P7M",
    "applicationFrequency": "P7M",
    "calculationFrequency": null,
    "tiers": [],
    "applicationType": "MATURITY",
    "applicabilityConditions": [
     {
      "additionalInfo": "This rate is applicable to new Term Deposit Accounts ",
      "additionalInfoUri": null,
      "rateApplicabilityType": "NEW_ACCOUNTS",
      "additionalValue": null
     }
    ]
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0505",
    "additionalInfo": "The rate applied to a 4 month Term Deposit",
    "additionalInfoUri": "https://www.goldfieldsmoney.com.au/products/deposits/term-deposits/",
    "additionalValue": "P4M",
    "applicationFrequency": "P4M",
    "calculationFrequency": null,
    "tiers": [],
    "applicationType": "MATURITY",
    "applicabilityConditions": [
     {
      "additionalInfo": "This rate is applicable to new Term Deposit Accounts ",
      "additionalInfoUri": null,
      "rateApplicabilityType": "NEW_ACCOUNTS",
      "additionalValue": null
     }
    ]
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0525",
    "additionalInfo": "The rate applied to a 10 month Term Deposit",
    "additionalInfoUri": "https://www.goldfieldsmoney.com.au/products/deposits/term-deposits/",
    "additionalValue": "P10M",
    "applicationFrequency": "P10M",
    "calculationFrequency": null,
    "tiers": [],
    "applicationType": "MATURITY",
    "applicabilityConditions": [
     {
      "additionalInfo": "This rate is applicable to new Term Deposit Accounts ",
      "additionalInfoUri": null,
      "rateApplicabilityType": "NEW_ACCOUNTS",
      "additionalValue": null
     }
    ]
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0525",
    "additionalInfo": "The rate applied to a 12 month Term Deposit",
    "additionalInfoUri": "https://www.goldfieldsmoney.com.au/products/deposits/term-deposits/",
    "additionalValue": "P12M",
    "applicationFrequency": "P12M",
    "calculationFrequency": null,
    "tiers": [],
    "applicationType": "MATURITY",
    "applicabilityConditions": [
     {
      "additionalInfo": "This rate is applicable to new Term Deposit Accounts ",
      "additionalInfoUri": null,
      "rateApplicabilityType": "NEW_ACCOUNTS",
      "additionalValue": null
     }
    ]
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0445",
    "additionalInfo": "The rate applied to a 2 month Term Deposit",
    "additionalInfoUri": "https://www.goldfieldsmoney.com.au/products/deposits/term-deposits/",
    "additionalValue": "P2M",
    "applicationFrequency": "P2M",
    "calculationFrequency": null,
    "tiers": [],
    "applicationType": "MATURITY",
    "applicabilityConditions": [
     {
      "additionalInfo": "This rate is applicable to new Term Deposit Accounts ",
      "additionalInfoUri": null,
      "rateApplicabilityType": "NEW_ACCOUNTS",
      "additionalValue": null
     }
    ]
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.052",
    "additionalInfo": "The rate applied to a 6 month Term Deposit",
    "additionalInfoUri": "https://www.goldfieldsmoney.com.au/products/deposits/term-deposits/",
    "additionalValue": "P6M",
    "applicationFrequency": "P6M",
    "calculationFrequency": null,
    "tiers": [],
    "applicationType": "MATURITY",
    "applicabilityConditions": [
     {
      "additionalInfo": "This rate is applicable to new Term Deposit Accounts ",
      "additionalInfoUri": null,
      "rateApplicabilityType": "NEW_ACCOUNTS",
      "additionalValue": null
     }
    ]
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.052",
    "additionalInfo": "The rate applied to a 5 month Term Deposit",
    "additionalInfoUri": "https://www.goldfieldsmoney.com.au/products/deposits/term-deposits/",
    "additionalValue": "P5M",
    "applicationFrequency": "P5M",
    "calculationFrequency": null,
    "tiers": [],
    "applicationType": "MATURITY",
    "applicabilityConditions": [
     {
      "additionalInfo": "This rate is applicable to new Term Deposit Accounts ",
      "additionalInfoUri": null,
      "rateApplicabilityType": "NEW_ACCOUNTS",
      "additionalValue": null
     }
    ]
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0525",
    "additionalInfo": "The rate applied to a 11 month Term Deposit",
    "additionalInfoUri": "https://www.goldfieldsmoney.com.au/products/deposits/term-deposits/",
    "additionalValue": "P11M",
    "applicationFrequency": "P11M",
    "calculationFrequency": null,
    "tiers": [],
    "applicationType": "MATURITY",
    "applicabilityConditions": [
     {
      "additionalInfo": "This rate is applicable to new Term Deposit Accounts ",
      "additionalInfoUri": null,
      "rateApplicabilityType": "NEW_ACCOUNTS",
      "additionalValue": null
     }
    ]
   }
  ],
  "eligibility": [
   {
    "eligibilityType": "MIN_AGE",
    "additionalInfo": null,
    "additionalInfoUri": null,
    "additionalValue": "18"
   },
   {
    "eligibilityType": "RESIDENCY_STATUS",
    "additionalInfo": null,
    "additionalInfoUri": null,
    "additionalValue": "Be a Company, sole trader business, partnership, or a Trustee of a Trust or SMSF and have either an ACN, ABN or ARBN;"
   },
   {
    "eligibilityType": "BUSINESS",
    "additionalInfo": "- Be a Company, sole trader business, partnership, \nor a Trustee of a Trust or SMSF and have either \nan ACN, ABN or ARBN;\n- Only want up to a maximum of 8 signatories \non the Account and have at least one signatory \nwho is at least 18 years of age and an Australian \nresident for tax purposes; \n- Have a business address, registered office, and \npostal address in Australia; and\n- Maintain a current email address, an Australian \nmobile number and always have access to \nan electronic device with a working internet \nconnection.",
    "additionalInfoUri": null,
    "additionalValue": null
   }
  ],
  "features": [
   {
    "featureType": "OTHER",
    "additionalInfo": "7 calendar days rollover cooling off period",
    "additionalInfoUri": null,
    "additionalValue": null,
    "isActivated": "UNKNOWN"
   },
   {
    "featureType": "DIGITAL_BANKING",
    "additionalInfo": null,
    "additionalInfoUri": null,
    "additionalValue": null,
    "isActivated": "UNKNOWN"
   },
   {
    "featureType": "OTHER",
    "additionalInfo": "All deposits you have with BNK/Goldfields are guaranteed up to $250,000 by the Australian Government, under the Financial Claims Scheme. For more information on the Financial Claims Scheme.",
    "additionalInfoUri": "https://www.apra.gov.au/financial-claims-scheme-0",
    "additionalValue": null,
    "isActivated": "UNKNOWN"
   },
   {
    "featureType": "OTHER",
    "additionalInfo": "A loyalty bonus maybe offered if you automatically roll over your term deposit into a new term with BNK/Goldfields",
    "additionalInfoUri": null,
    "additionalValue": null,
    "isActivated": "UNKNOWN"
   },
   {
    "featureType": "OTHER",
    "additionalInfo": "No Fees",
    "additionalInfoUri": null,
    "additionalValue": null,
    "isActivated": "UNKNOWN"
   },
   {
    "featureType": "OTHER",
    "additionalInfo": "Rollover facility available",
    "additionalInfoUri": null,
    "additionalValue": null,
    "isActivated": "UNKNOWN"
   }
  ],
  "fees": [
   {
    "feeType": "WITHDRAWAL",
    "name": "Term Deposit Early Withdrawals ",
    "additionalInfo": "withdraw part or all of the balance before the maturity date, the interest you receive on the amount withdrawn may be reduced based on the term elapsed as a percentage of the total term. This is the Early Withdrawal Adjustment. View TD Terms and conditions for full details \nPercentage of time elapsed out of original term: Percentage Interest reduced by - 0% to <20%: 90%,  20% to < 40%:80%,  40% to < 60%: 60%, 60% to < 80%: 40%, 80% to < 100%: 20%",
    "additionalInfoUri": "https://www.bnk.com.au/wp-content/uploads/2025/05/BNK-Goldfields-TD-Terms-Conditions-20251112.pdf",
    "additionalValue": null,
    "currency": "AUD",
    "discounts": [],
    "feeMethodUType": "variable",
    "fixedAmount": null,
    "rateBased": null,
    "variable": {
     "feeMinimum": "0.00",
     "feeMaximum": null
    },
    "feeCap": null,
    "feeCapPeriod": null
   }
  ],
  "lendingRates": [],
  "instalments": null
 }
}