{
  "source": "https://api.afg.app.bendigobank.com.au/cds-au/v1/banking/products/bbc91f98-05e3-4711-ab53-a984c66398a4",
  "note": "Product Reference Data published by the data holder under the Consumer Data Right, as cached by this site (refreshed every 6 hours).",
  "data": {
    "productId": "bbc91f98-05e3-4711-ab53-a984c66398a4",
    "lastUpdated": "2026-07-16T18:43:02+10:00",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "name": "AFG Alpha Offset Account",
    "description": "The Offset Account is designed to be linked and used with the AFG Alpha Offset Home Loan.  \nEligible home loan customers can receive offset benefits by linking an Offset Account to an AFG Alpha Offset Home Loan which reduces the amount of interest that would otherwise accrue in relation to the AFG Alpha Offset Home Loan.",
    "brand": "AFG",
    "brandName": "AFG Home Loans Alpha",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.afghomeloans.com.au/home-loans/alpha-home-loan/",
      "termsUri": "https://www.bendigobank.com.au/siteassets/partner/contentpages/_documents/offset-account-terms-and-conditions.pdf",
      "eligibilityUri": "https://www.bendigobank.com.au/siteassets/partner/contentpages/_documents/offset-account-terms-and-conditions.pdf",
      "feesAndPricingUri": "https://www.bendigobank.com.au/siteassets/partner/contentpages/_documents/offset-account-terms-and-conditions.pdf"
    },
    "features": [
      {
        "featureType": "BILL_PAYMENT",
        "additionalValue": "BPAY and AnyPay",
        "additionalInfoUri": "https://www.bendigobank.com.au/siteassets/partner/contentpages/_documents/payment-facilities-terms-and-conditions.pdf"
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Access e-banking using the e-banking app allowing you to review account information, make payments, communication and download e-statements, and much more.",
        "additionalInfoUri": "https://www.bendigobank.com.au/siteassets/partner/contentpages/_documents/payment-facilities-terms-and-conditions.pdf"
      },
      {
        "featureType": "CARD_ACCESS",
        "additionalValue": "Mastercard Debit",
        "additionalInfo": "Allows you to make retail purchases and upload to your digital wallet.",
        "additionalInfoUri": "https://www.bendigobank.com.au/siteassets/partner/contentpages/_documents/payment-facilities-terms-and-conditions.pdf"
      },
      {
        "featureType": "OFFSET",
        "additionalInfo": "100% offset to the AFG Alpha Offset Home Loan, saving on interest charges. Up to 6 Offset Accounts per Home Loan.",
        "additionalInfoUri": "https://www.bendigobank.com.au/siteassets/partner/contentpages/_documents/offset-account-terms-and-conditions.pdf"
      }
    ],
    "constraints": [
      {
        "constraintType": "OTHER",
        "additionalInfo": "Must be linked to an AFG Alpha Offset Home Loan product.",
        "additionalInfoUri": "https://www.bendigobank.com.au/siteassets/partner/contentpages/_documents/offset-account-terms-and-conditions.pdf"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Have or have been approved for an AFG Alpha Offset Home Loan.",
        "additionalInfoUri": "https://www.bendigobank.com.au/siteassets/partner/contentpages/_tmds/offset-account.pdf"
      }
    ],
    "fees": [
      {
        "name": "Bendigo Bank ATM Deposit",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "additionalInfoUri": "https://www.bendigobank.com.au/siteassets/partner/contentpages/_documents/offset-account-terms-and-conditions.pdf"
      },
      {
        "name": "Bendigo Bank ATM Enquiry",
        "feeType": "ENQUIRY",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "additionalInfoUri": "https://www.bendigobank.com.au/siteassets/partner/contentpages/_documents/offset-account-terms-and-conditions.pdf"
      },
      {
        "name": "Direct Credit (Inward)",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "additionalInfoUri": "https://www.bendigobank.com.au/siteassets/partner/contentpages/_documents/offset-account-terms-and-conditions.pdf"
      },
      {
        "name": "Direct Debit",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "additionalInfoUri": "https://www.bendigobank.com.au/siteassets/partner/contentpages/_documents/offset-account-terms-and-conditions.pdf"
      },
      {
        "name": "Non-Bendigo Bank ATM Enquiry",
        "feeType": "ENQUIRY",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "additionalInfo": "Other financial institutions may charge you a fee for using their ATMs. This fee will be displayed at the time of the transaction and allows the customer to accept or decline the fee as shown.",
        "additionalInfoUri": "https://www.bendigobank.com.au/siteassets/partner/contentpages/_documents/offset-account-terms-and-conditions.pdf"
      },
      {
        "name": "Non-Bendigo Bank ATM Withdrawal",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "additionalInfo": "Other financial institutions may charge you a fee for using their ATMs. This fee will be displayed at the time of the transaction and allows the customer to accept or decline the fee as shown.",
        "additionalInfoUri": "https://www.bendigobank.com.au/siteassets/partner/contentpages/_documents/offset-account-terms-and-conditions.pdf"
      },
      {
        "name": "Periodical Payment",
        "feeType": "PAYMENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "additionalInfoUri": "https://www.bendigobank.com.au/siteassets/partner/contentpages/_documents/offset-account-terms-and-conditions.pdf"
      },
      {
        "name": "Retail Purchase",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "additionalInfoUri": "https://www.bendigobank.com.au/siteassets/partner/contentpages/_documents/offset-account-terms-and-conditions.pdf"
      },
      {
        "name": "Sweep Facility (internal)",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "additionalInfo": "When you instruct us in writing to make a regular payment from \nyour Offset Account to a Mastercard credit card account. ",
        "additionalInfoUri": "https://www.bendigobank.com.au/siteassets/partner/contentpages/_documents/offset-account-terms-and-conditions.pdf"
      },
      {
        "name": "BPAY Withdrawal",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "additionalInfo": "When completed via e-banking.",
        "additionalInfoUri": "https://www.bendigobank.com.au/siteassets/partner/contentpages/_documents/offset-account-terms-and-conditions.pdf"
      },
      {
        "name": "e-banking Internal Transfer",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "additionalInfo": "When completed via e-banking",
        "additionalInfoUri": "https://www.bendigobank.com.au/siteassets/partner/contentpages/_documents/offset-account-terms-and-conditions.pdf"
      },
      {
        "name": "e-banking Pay Anyone Transfer, including Osko® ",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "additionalInfo": "When completed via e-banking.",
        "additionalInfoUri": "https://www.bendigobank.com.au/siteassets/partner/contentpages/_documents/offset-account-terms-and-conditions.pdf"
      },
      {
        "name": "International ATM Enquiry",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "1.50"
        },
        "additionalInfo": "Debit card initiated transaction. \nOther financial institutions may charge you a fee for using their ATMs. This fee will be displayed at the time of the transaction and allows the customer to accept or decline the fee as shown. ",
        "additionalInfoUri": "https://www.bendigobank.com.au/siteassets/partner/contentpages/_documents/offset-account-terms-and-conditions.pdf"
      },
      {
        "name": "Bank@Post Deposit",
        "feeType": "DEPOSIT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "2.50"
        },
        "additionalInfo": "Debit card initiated transaction. ",
        "additionalInfoUri": "https://www.bendigobank.com.au/siteassets/partner/contentpages/_documents/offset-account-terms-and-conditions.pdf"
      },
      {
        "name": "Bank@Post Withdrawal",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "2.50"
        },
        "additionalInfo": "Debit card initiated transaction.",
        "additionalInfoUri": "https://www.bendigobank.com.au/siteassets/partner/contentpages/_documents/offset-account-terms-and-conditions.pdf"
      },
      {
        "name": "International ATM Withdrawal",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "additionalInfo": "Debit card initiated transaction.\nOther financial institutions may charge you a fee for using their ATMs. This fee will be displayed at the time of the transaction and allows the customer to accept or decline the fee as shown. ",
        "additionalInfoUri": "https://www.bendigobank.com.au/siteassets/partner/contentpages/_documents/offset-account-terms-and-conditions.pdf"
      },
      {
        "name": "Replacement Card Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "15.00"
        },
        "additionalInfoUri": "https://www.bendigobank.com.au/siteassets/partner/contentpages/_documents/offset-account-terms-and-conditions.pdf"
      },
      {
        "name": "International Transaction Fee",
        "feeType": "TRANSACTION",
        "feeMethodUType": "rateBased",
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.03"
        },
        "currency": "AUD",
        "additionalInfo": "Debit card initiated transaction.\n3% of the Transaction amount in AUD.",
        "additionalInfoUri": "https://www.bendigobank.com.au/siteassets/partner/contentpages/_documents/offset-account-terms-and-conditions.pdf"
      },
      {
        "name": "Bank@Post Balance Enquiry",
        "feeType": "ENQUIRY",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "additionalInfo": "Debit card initiated transaction."
      },
      {
        "name": "Bendigo Bank ATM Withdrawal",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "additionalInfo": "Debit card initiated transaction.",
        "additionalInfoUri": "https://www.bendigobank.com.au/siteassets/partner/contentpages/_documents/offset-account-terms-and-conditions.pdf"
      },
      {
        "name": "EFTPOS Withdrawal",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "additionalInfo": "Debit card initiated transaction.",
        "additionalInfoUri": "https://www.bendigobank.com.au/siteassets/partner/contentpages/_documents/offset-account-terms-and-conditions.pdf"
      },
      {
        "name": "Cash Withdrawal (in branch)",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "2.50"
        },
        "additionalInfo": "Staff assisted service.",
        "additionalInfoUri": "https://www.bendigobank.com.au/siteassets/partner/contentpages/_documents/offset-account-terms-and-conditions.pdf"
      },
      {
        "name": "Agency Withdrawal",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "2.50"
        },
        "additionalInfo": "Staff assisted service",
        "additionalInfoUri": "https://www.bendigobank.com.au/siteassets/partner/contentpages/_documents/offset-account-terms-and-conditions.pdf"
      },
      {
        "name": "EFT Credit Transfer",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "4.00"
        },
        "additionalInfo": "Staff assisted service.",
        "additionalInfoUri": "https://www.bendigobank.com.au/siteassets/partner/contentpages/_documents/offset-account-terms-and-conditions.pdf"
      },
      {
        "name": "Periodical Payment to Other Financial Institution ",
        "feeType": "PAYMENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "3.75"
        },
        "additionalInfo": "Staff assisted service.",
        "additionalInfoUri": "https://www.bendigobank.com.au/siteassets/partner/contentpages/_documents/offset-account-terms-and-conditions.pdf"
      },
      {
        "name": "Transfer (in branch)",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "2.50"
        },
        "additionalInfo": "Staff assisted service.",
        "additionalInfoUri": "https://www.bendigobank.com.au/siteassets/partner/contentpages/_documents/offset-account-terms-and-conditions.pdf"
      },
      {
        "name": "Inward Telegraphic Transfer in a Foreign Currency ",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        },
        "additionalInfoUri": "https://www.bendigobank.com.au/siteassets/partner/contentpages/_documents/offset-account-terms-and-conditions.pdf"
      },
      {
        "name": "Inward Telegraphic Transfer in AUD Currency ",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "2.00"
        },
        "additionalInfo": "Note: Transfer of Australian dollars or foreign currency into any Bendigo and Adelaide Bank account may incur a handling or acceptance fee by the accepting bank and / or intermediary bank(s), (the amounts of which are not disclosed to us). These fees may be deducted from the total funds originally remitted.",
        "additionalInfoUri": "https://www.bendigobank.com.au/siteassets/partner/contentpages/_documents/offset-account-terms-and-conditions.pdf"
      },
      {
        "name": "Outward Telegraphic Transfers ",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "30.00"
        },
        "additionalInfoUri": "https://www.bendigobank.com.au/siteassets/partner/contentpages/_documents/offset-account-terms-and-conditions.pdf"
      },
      {
        "name": "Amendment to Telegraphic Transfer Instructions",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "25.00"
        },
        "additionalInfo": "Other financial institutions may charge you a fee for using their ATMs. This fee will be displayed at the time of the transaction and allows the customer to accept or decline the fee as shown. ",
        "additionalInfoUri": "https://www.bendigobank.com.au/siteassets/partner/contentpages/_documents/offset-account-terms-and-conditions.pdf"
      },
      {
        "name": "Telegraphic Transfer Trace Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "25.00"
        },
        "additionalInfo": "Other financial institutions may charge you a fee for using their ATMs. This fee will be displayed at the time of the transaction and allows the customer to accept or decline the fee as shown. ",
        "additionalInfoUri": "https://www.bendigobank.com.au/siteassets/partner/contentpages/_documents/offset-account-terms-and-conditions.pdf"
      },
      {
        "name": "Telegraphic Transfer Return Request",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "25.00"
        },
        "additionalInfo": "Other financial institutions may charge you a fee for using their ATMs. This fee will be displayed at the time of the transaction and allows the customer to accept or decline the fee as shown. ",
        "additionalInfoUri": "https://www.bendigobank.com.au/siteassets/partner/contentpages/_documents/offset-account-terms-and-conditions.pdf"
      },
      {
        "name": "Audit Request",
        "feeType": "EVENT",
        "feeMethodUType": "variable",
        "variable": {
          "feeMinimum": "30.00"
        },
        "additionalInfo": "When you or your representative (for example, your accountant) request us to provide a written statement of your financial accounts with us. \n\nOther financial institutions may charge you a fee for using their ATMs. This fee will be displayed at the time of the transaction and allows the customer to accept or decline the fee as shown. ",
        "additionalInfoUri": "https://www.bendigobank.com.au/siteassets/partner/contentpages/_documents/offset-account-terms-and-conditions.pdf"
      },
      {
        "name": "Bank@Post Loan Repayment",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        }
      },
      {
        "name": "Bill Payment Transaction Recall Fee ",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        }
      },
      {
        "name": "Bill Payment Transaction Trace Fee¹ ",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        }
      },
      {
        "name": "Direct Debit Dishonur Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        }
      },
      {
        "name": "Direct Entry Trace Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "30.00"
        },
        "additionalInfoUri": "https://www.bendigobank.com.au/siteassets/partner/contentpages/_documents/offset-account-terms-and-conditions.pdf"
      },
      {
        "name": "Pay Anyone Trace Fee (including Osko) ",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "30.00"
        },
        "additionalInfoUri": "https://www.bendigobank.com.au/siteassets/partner/contentpages/_documents/offset-account-terms-and-conditions.pdf"
      },
      {
        "name": "Periodical Payment  Dishonour ",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "additionalInfoUri": "https://www.bendigobank.com.au/siteassets/partner/contentpages/_documents/offset-account-terms-and-conditions.pdf"
      },
      {
        "name": "Statement Fee ",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "additionalInfoUri": "https://www.bendigobank.com.au/siteassets/partner/contentpages/_documents/offset-account-terms-and-conditions.pdf"
      },
      {
        "name": "Sweep Facility Rejection",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "additionalInfoUri": "https://www.bendigobank.com.au/siteassets/partner/contentpages/_documents/offset-account-terms-and-conditions.pdf"
      }
    ],
    "depositRates": [
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalInfo": "100% offset to the Offset Home Loan.",
        "additionalInfoUri": "https://www.bendigobank.com.au/siteassets/partner/contentpages/_documents/offset-account-terms-and-conditions.pdf"
      }
    ]
  }
}