{
  "source": "https://api.anz/cds-au/v1/banking/products/0ced99b7-dfc1-dc2b-8cad-910424a2d186",
  "note": "Product Reference Data published by the data holder under the Consumer Data Right, as cached by this site (refreshed every 6 hours).",
  "data": {
    "additionalInformation": {
      "eligibilityUri": "https://www.anz.com.au/business/accounts/transaction-accounts/business-extra/",
      "feesAndPricingUri": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/transaction-accounts-fees-charges.pdf",
      "overviewUri": "https://www.anz.com.au/business/accounts/transaction-accounts/business-extra/",
      "termsUri": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/business-transaction-accounts-tcs.pdf"
    },
    "applicationUri": "https://applyapp.anz.com/?producttype=bex&schema=sbola&sourcecode_1=ANE",
    "brand": "ANZ",
    "cardArt": [
      {
        "cardScheme": "VISA",
        "cardType": "DEBIT",
        "imageUri": "https://www.anz.com.au/content/dam/anzcomau/images/business/products/ANZ-Business-Debit-Card_Product.png"
      }
    ],
    "description": "An everyday business account offering greater flexibility and control through ANZ Internet Banking for Business",
    "isTailored": false,
    "lastUpdated": "2026-05-14T14:02:00.000Z",
    "name": "ANZ Business Extra",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "productId": "0ced99b7-dfc1-dc2b-8cad-910424a2d186",
    "bundles": [],
    "constraints": [],
    "depositRates": [],
    "eligibility": [
      {
        "additionalInfo": "You must be 18 years of age or older to apply",
        "additionalValue": "18",
        "eligibilityType": "MIN_AGE"
      },
      {
        "additionalInfo": "An Australian business with valid ABN/ACN.",
        "eligibilityType": "BUSINESS"
      },
      {
        "additionalInfo": "You're an owner/director of the Business",
        "eligibilityType": "OTHER"
      }
    ],
    "features": [
      {
        "additionalInfo": "Access using ANZ Internet Banking or ANZ App",
        "additionalInfoUri": "https://www.anz.com.au/business/products/online-banking/?CID=af:obank:bb",
        "featureType": "DIGITAL_BANKING"
      },
      {
        "additionalInfoUri": "https://www.anz.com.au/support/online-banking/payments/pay-id/",
        "featureType": "NPP_PAYID"
      },
      {
        "additionalInfoUri": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/transaction-accounts-fees-charges.pdf",
        "featureType": "NPP_ENABLED"
      },
      {
        "additionalInfoUri": "https://www.anz.com.au/ways-to-bank/more/bpay/?CID=af:obank:bb",
        "additionalValue": "BPAY",
        "featureType": "BILL_PAYMENT"
      },
      {
        "additionalInfoUri": "https://www.anz.com.au/ways-to-bank/digital-wallets/apple-pay/",
        "additionalValue": "Apple Pay",
        "featureType": "DIGITAL_WALLET"
      },
      {
        "additionalInfoUri": "https://www.anz.com.au/ways-to-bank/digital-wallets/google-pay/",
        "additionalValue": "Google Pay",
        "featureType": "DIGITAL_WALLET"
      },
      {
        "additionalInfoUri": "https://www.anz.com.au/ways-to-bank/digital-wallets/samsung-pay/",
        "additionalValue": "Samsung Pay",
        "featureType": "DIGITAL_WALLET"
      },
      {
        "additionalInfoUri": "https://www.anz.com.au/ways-to-bank/digital-wallets/",
        "additionalValue": "Fitbit Pay",
        "featureType": "DIGITAL_WALLET"
      },
      {
        "additionalInfoUri": "https://www.anz.com.au/ways-to-bank/digital-wallets/garmin-pay/",
        "additionalValue": "Garmin Pay",
        "featureType": "DIGITAL_WALLET"
      },
      {
        "additionalInfo": "Unlimited ANZ transactions available using ANZ Internet Banking, ANZ Phone Banking, ANZ ATMs, ANZ Business Visa Debit and EFTPOS. Also includes any deposit, withdrawal or transfer at ANZ branches, cheques drawn by you and any cheque or manual merchant slip deposited to your account. Additional fees and charges apply to certain services, such as periodical payments, overseas ATM fees and international transactions.",
        "additionalInfoUri": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/transaction-accounts-fees-charges.pdf?CID=af:obank:bb",
        "featureType": "UNLIMITED_TXNS"
      },
      {
        "additionalInfo": "Optional linked overdraft to help with short term cash flow requirements (subject to ANZ's normal credit approval criteria)",
        "featureType": "OVERDRAFT"
      },
      {
        "featureType": "FRAUD_PROTECTION"
      },
      {
        "additionalInfo": "Ask for an ANZ Business Visa Debit card at no additional cost, so you can use your own money to pay for business expenses online, over the phone or overseas where Visa is accepted. Eligibility criteria and terms and conditions apply",
        "additionalInfoUri": "https://www.anz.com.au/business/accounts/transaction-accounts/business-extra/",
        "additionalValue": "ANZ Business Visa Debit Card",
        "featureType": "CARD_ACCESS"
      },
      {
        "additionalInfo": "Access your accounts whenever you want\nManage your banking on the go in many easy ways with mobile and online banking, ATMs or in person at an ANZ branch. You can perform transactions as well as check transaction details and balances at your convenience.",
        "additionalInfoUri": "https://www.anz.com.au/business/accounts/transaction-accounts/business-extra/",
        "featureType": "OTHER"
      },
      {
        "additionalInfo": "ANZ Internet Banking for Business\nYou'll get secure, convenient 24 hour access to online banking, with benefits such as higher payment limits and co-signatory authorisation.\nTemporary service interruptions may occur. Technical requirements apply",
        "additionalInfoUri": "https://www.anz.com.au/business/accounts/transaction-accounts/business-extra/",
        "featureType": "DIGITAL_BANKING"
      },
      {
        "additionalInfo": "New ways to pay\nUse your compatible smartphone or wearable device to tap and pay with ANZ Business Visa Debit card.Create a PayID® to get paid easily and securely by sharing your mobile, email or ABN or ACN.\nMobile payments available on compatible devices and eligible ANZ cards. View the full list at anz.com/mobilepayments.",
        "additionalInfoUri": "https://www.anz.com.au/business/accounts/transaction-accounts/business-extra/",
        "featureType": "OTHER"
      },
      {
        "additionalInfo": "Help with your cash flow\nYou could link an ANZ Business Overdraft facility to assist with short term cash flow requirements. Subject to ANZ’s normal credit approval criteria",
        "additionalInfoUri": "https://www.anz.com.au/business/accounts/transaction-accounts/business-extra/",
        "featureType": "OTHER"
      },
      {
        "additionalInfo": "Link to accounting software\nSpend more time on your business and less time reconciling payments by linking your banking data with eligible accounting software.. Only available on ANZ Internet Banking and ANZ Internet Banking for Business. ANZ bank feeds are compatible with the majority of retail or commercial transaction, deposit, lending, funds management and credit card accounts.",
        "additionalInfoUri": "https://www.anz.com.au/business/online-banking/bank-feeds/",
        "featureType": "OTHER"
      }
    ],
    "fees": [
      {
        "additionalInfoUri": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/transaction-accounts-fees-charges.pdf?CID=af:obank:bb",
        "additionalValue": "P1M",
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "feeType": "PERIODIC",
        "fixedAmount": {
          "amount": "10.00"
        },
        "name": "Account Service"
      },
      {
        "additionalInfo": "Debited to your account for processing a debit using the Informal Overdraft facility, where the outstanding balance of your Informal Overdraft facility is more than $50 after processing.",
        "additionalInfoUri": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/transaction-accounts-fees-charges.pdf",
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "feeType": "EVENT",
        "fixedAmount": {
          "amount": "37.70"
        },
        "name": "Honour Fee"
      },
      {
        "additionalInfo": "Applicable for a withdrawal from a non-ANZ ATM outside Australia (per withdrawal), and debited to your account at the same time as the withdrawal is debited",
        "additionalInfoUri": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/transaction-accounts-fees-charges.pdf",
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "feeType": "TRANSACTION",
        "fixedAmount": {
          "amount": "5.00"
        },
        "name": "Overseas ATM Transaction Fee"
      },
      {
        "additionalInfo": "Charged on any international transaction charged or credited to an ANZ account. Proportion of the total AUD withdrawn or credited amount including any third party ATM operator fees.",
        "additionalInfoUri": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/transaction-accounts-fees-charges.pdf",
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "rateBased",
        "feeType": "TRANSACTION",
        "name": "Overseas Transaction Fee",
        "rateBased": {
          "rate": "0.03",
          "rateType": "BALANCE"
        }
      },
      {
        "additionalInfo": "Included - Electronic  Transactions are unlimited through Self Assisted Channels",
        "additionalInfoUri": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/transaction-accounts-fees-charges.pdf",
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "feeType": "TRANSACTION",
        "fixedAmount": {
          "amount": "0.00"
        },
        "name": "Electronic Transaction Fee"
      },
      {
        "additionalInfo": "You will have 20 included monthly ANZ Transactions consisting of a combination of Cheque Deposits/Cheque Withdrawals/Manual Merchant Deposits and Staff Assisted Transactions. After this, you will incur an Additional Transaction Fee for Cheque Transactions, Manual Merchant Deposits and Staff Assisted Transactions.",
        "additionalInfoUri": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/transaction-accounts-fees-charges.pdf",
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "feeType": "TRANSACTION",
        "fixedAmount": {
          "amount": "2.50"
        },
        "name": "Staff Assisted Transaction Fee"
      },
      {
        "additionalInfo": "You will have 20 included monthly ANZ Transactions consisting of a combination of Cheque Deposits/Cheque Withdrawals/Manual Merchant Deposits and Staff Assisted Transactions. After this, you will incur an Additional Transaction Fee for Cheque Transactions, Manual Merchant Deposits and Staff Assisted Transactions.",
        "additionalInfoUri": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/transaction-accounts-fees-charges.pdf",
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "feeType": "TRANSACTION",
        "fixedAmount": {
          "amount": "2.50"
        },
        "name": "Cheque Transaction Fee"
      },
      {
        "additionalInfo": "You will have 20 included monthly ANZ Transactions consisting of a combination of Cheque Deposits/Cheque Withdrawals/Manual Merchant Deposits and Staff Assisted Transactions. After this, you will incur an Additional Transaction Fee for Cheque Transactions, Manual Merchant Deposits and Staff Assisted Transactions.",
        "additionalInfoUri": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/transaction-accounts-fees-charges.pdf",
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "feeType": "TRANSACTION",
        "fixedAmount": {
          "amount": "2.50"
        },
        "name": "Manual Merchant Deposits Fee"
      },
      {
        "additionalInfo": "Included - Electronic  Transactions are unlimited through Self Assisted Channels",
        "additionalInfoUri": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/transaction-accounts-fees-charges.pdf",
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "feeType": "TRANSACTION",
        "fixedAmount": {
          "amount": "0.00"
        },
        "name": "ANZ ATM Transaction Fee"
      },
      {
        "additionalInfo": "Includes business cheques and building society or credit union cheques or orders.",
        "additionalInfoUri": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/transaction-accounts-fees-charges.pdf",
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "feeType": "EVENT",
        "fixedAmount": {
          "amount": "80.00"
        },
        "name": "Arrangement to Cash ANZ Cheques - Establishment Fee"
      },
      {
        "additionalInfo": "Includes business cheques and building society or credit union cheques or orders.",
        "additionalInfoUri": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/transaction-accounts-fees-charges.pdf",
        "additionalValue": "P1M",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "feeType": "PERIODIC",
        "fixedAmount": {
          "amount": "10.00"
        },
        "name": "Arrangement to Cash ANZ Cheques - Renewal"
      },
      {
        "additionalInfoUri": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/transaction-accounts-fees-charges.pdf",
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "feeType": "EVENT",
        "fixedAmount": {
          "amount": "80.00"
        },
        "name": "Automatic Funds Transfer - for Each Subsidiary Account - Establishment Fee"
      },
      {
        "additionalInfo": "Cheques reported stolen are exempt from this fee when a copy of the police report is provided",
        "additionalInfoUri": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/transaction-accounts-fees-charges.pdf",
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "feeType": "EVENT",
        "fixedAmount": {
          "amount": "15.00"
        },
        "name": "Stop Payment"
      },
      {
        "additionalInfo": "50 deposit slips per book",
        "additionalInfoUri": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-business-general-service-fees-charges.pdf",
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "feeType": "EVENT",
        "fixedAmount": {
          "amount": "4.00"
        },
        "name": "Agent Deposit Books"
      },
      {
        "additionalInfo": "100 deposit slips per book",
        "additionalInfoUri": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-business-general-service-fees-charges.pdf",
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "feeType": "EVENT",
        "fixedAmount": {
          "amount": "6.00"
        },
        "name": "Agent Deposit Books"
      },
      {
        "additionalInfoUri": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-business-general-service-fees-charges.pdf",
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "feeType": "EVENT",
        "fixedAmount": {
          "amount": "10.00"
        },
        "name": "Bank Cheque via ANZ Branch Network"
      },
      {
        "additionalInfoUri": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-business-general-service-fees-charges.pdf",
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "feeType": "EVENT",
        "fixedAmount": {
          "amount": "25.00"
        },
        "name": "Repurchase of ANZ customer’s Bank Cheque"
      },
      {
        "additionalInfo": "Each item  plus transfer fee where applicable",
        "additionalInfoUri": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-business-general-service-fees-charges.pdf",
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "feeType": "EVENT",
        "fixedAmount": {
          "amount": "3.50"
        },
        "name": "Payment form List"
      },
      {
        "additionalInfo": "Debited to your account for determining whether to process a debit to your account using the Informal Overdraft facility, where that debit is declined as a result of our credit criteria not being satisfied.",
        "additionalInfoUri": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/transaction-accounts-fees-charges.pdf",
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "feeType": "DISHONOUR",
        "fixedAmount": {
          "amount": "37.70"
        },
        "name": "Outward Dishonour Fee"
      },
      {
        "additionalInfo": "Replacement of lost/stolen Bank Cheque (ANZ may require appropriate indemnity)",
        "additionalInfoUri": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-business-general-service-fees-charges.pdf",
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "feeType": "REPLACEMENT",
        "fixedAmount": {
          "amount": "32.50"
        },
        "name": "Replacement of lost/stolen Bank Cheque"
      }
    ],
    "lendingRates": [
      {
        "additionalValue": "Retail Index Rate + 8.5%",
        "applicabilityConditions": [],
        "applicationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "PENALTY",
        "loanPurpose": "OTHER",
        "rate": "0.207",
        "repaymentType": "OTHER",
        "tiers": []
      }
    ]
  }
}