{
  "source": "https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/418314aa-1e84-11f1-9ce5-325096b39f47",
  "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": "418314aa-1e84-11f1-9ce5-325096b39f47",
    "lastUpdated": "2026-07-13T17:06:57.000+10:00",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "name": "Everyday Direct Account",
    "description": "Your everyday transaction account with VISA Debit access.",
    "brand": "AMB",
    "brandName": "Australian Mutual Bank",
    "applicationUri": "https://australianmutual.bank/banking/savings-accounts/everyday-direct/",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://australianmutual.bank/banking/savings-accounts/everyday-direct/",
      "termsUri": "https://australianmutual.bank/about-us/disclosures-and-reports/",
      "eligibilityUri": "https://australianmutual.bank/banking/savings-accounts/everyday-direct/",
      "feesAndPricingUri": "https://australianmutual.bank/media/4629/ambl_feeschargesandtransactionlimits_25-nov25.pdf"
    },
    "cardArt": [
      {
        "cardScheme": "VISA",
        "cardType": "DEBIT",
        "title": "Visa Debit",
        "imageUri": "https://australianmutual.bank/media/5584/be03568-amb-0426-web-feature-mobilewallet-fa1.jpg"
      }
    ],
    "features": [
      {
        "featureType": "CARD_ACCESS",
        "additionalValue": "Visa Debit with payWave"
      },
      {
        "featureType": "UNLIMITED_TXNS"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Apple Pay",
        "additionalInfoUri": "https://australianmutual.bank/banking/access/digital-wallets#Text-ed060-Apple_Pay"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Google Pay",
        "additionalInfoUri": "https://australianmutual.bank/banking/access/digital-wallets#Text-84cb1-Google_Pay"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Samsung Pay",
        "additionalInfoUri": "https://australianmutual.bank/banking/access/digital-wallets#Text-36282-Samsung_Pay"
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfoUri": "https://australianmutual.bank/Digital-Banking"
      },
      {
        "featureType": "NPP_PAYID",
        "additionalInfoUri": "https://australianmutual.bank/banking/access/"
      },
      {
        "featureType": "BILL_PAYMENT",
        "additionalValue": "BPAY"
      },
      {
        "featureType": "NOTIFICATIONS",
        "additionalValue": "Track payments with SMS and email alerts"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Our sweep service automatically transfers funds from certain savings accounts to cover most transactions which would otherwise exceed your transasction account's available balance."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Make deposits and withdrawals through a Bank@Post facility at Australia Post outlets. For full details refer to our Conditions of Use. Fees and charges apply.",
        "additionalInfoUri": "https://australianmutual.bank/banking/access/"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "You must be a member.",
        "additionalInfoUri": "https://australianmutual.bank/banking/savings-accounts/everyday-direct/"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "Individuals must be citizens or permanent residents of Australia."
      }
    ],
    "fees": [
      {
        "name": "INTERNATIONAL_CONVERSION_FEE",
        "feeType": "TRANSACTION",
        "feeMethodUType": "rateBased",
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.029"
        },
        "currency": "AUD",
        "additionalInfo": "2.90% of transaction value in $AUD collected by Cuscal Limited - 0.90% paid to Us; 1.00% retained by Cuscal; 1.00% paid to Visa International. Payable when you transact in a foreign currency using your Visa card either online or at a merchant point of sale (irrespective of where the transaction occurs; performed not in Australian Dollar; or overseas merchants transact in a foreign currency.)"
      },
      {
        "name": "TELE_TRANSFER",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "13.00"
        },
        "currency": "AUD",
        "additionalInfo": "Tele transfer within Australia to an account at another financial institution."
      },
      {
        "name": "OTHER_SERVICE_RELATED_FEES_AND_CHARGES",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD",
        "additionalInfo": "Other service related fees and charges may apply depending on the services you use in relation to your account.  See our Fees and Charges brochure for full details.",
        "additionalInfoUri": "https://www.tmbank.com.au/savings-fees-and-charges"
      },
      {
        "name": "CASH_ADVANCES_FEE",
        "feeType": "CASH_ADVANCE",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "4.00"
        },
        "currency": "AUD",
        "additionalInfo": "Visa Debit and Visa Credit card cash advances at other financial institutions in Australia and overseas. Individual bank branches may not offer this service and may charge additional fees (at cost)."
      },
      {
        "name": "EDVEST_MEMBERSHIP",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "30.00"
        },
        "currency": "AUD",
        "additionalValue": "P1Y",
        "additionalInfo": "An annual charge debited from the Everyday Direct account on each Edvest membership in January and on a pro-rata basis for new Edvest members."
      },
      {
        "name": "ATM_WITHDRAWAL_OVERSEAS",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "4.50"
        },
        "currency": "AUD"
      }
    ],
    "depositRates": [
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "Everyday Direct Account_Tier_1",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "0.00",
            "maximumValue": "9999.99",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ]
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "Everyday Direct Account_Tier_2",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "10000.00",
            "maximumValue": "19999.99",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ]
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "Everyday Direct Account_Tier_3",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "20000.00",
            "maximumValue": "49999.99",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ]
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "Everyday Direct Account_Tier_4",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "50000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ]
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.1264",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "OTHER",
        "loanPurpose": "OTHER",
        "additionalInfo": "The overdraft (RediCredit) interest rate that applies to any overdrawn amounts."
      }
    ]
  }
}