{
  "source": "https://api.auswidebank.com.au/openbanking/cds-au/v1/banking/products/83899927-ff5a-4ef6-9abe-de02bbfaf8cb",
  "note": "Product Reference Data published by the data holder under the Consumer Data Right, as cached by this site (refreshed every 6 hours).",
  "data": {
    "features": [
      {
        "featureType": "CARD_ACCESS",
        "additionalValue": "Visa Debit Card",
        "additionalInfo": "Full Access Card - 16 years and older"
      },
      {
        "featureType": "CARD_ACCESS",
        "additionalValue": "Visa Debit Card",
        "additionalInfo": "Limited Access Card - 11 years and older"
      },
      {
        "featureType": "DIGITAL_BANKING"
      },
      {
        "featureType": "BILL_PAYMENT",
        "additionalValue": "BPAY"
      },
      {
        "featureType": "UNLIMITED_TXNS"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Up to 9 Sub Accounts"
      },
      {
        "featureType": "NPP_ENABLED"
      },
      {
        "featureType": "NPP_PAYID"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Club, Not for Profit, Community Group"
      }
    ],
    "fees": [
      {
        "name": "DIRECT_DEBIT",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.50"
        },
        "currency": "AUD",
        "additionalInfo": "Payable if we process a direct to your account. This includes payments which you initiate electronically",
        "additionalInfoUri": "https://auswidebank.com.au/help/resources/fees-and-charges/"
      },
      {
        "name": "EXTERNAL_PAYMENT_FEE",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.60"
        },
        "currency": "AUD",
        "additionalInfo": "Paybale if you request us to process an electronic payment to an account at another FI",
        "additionalInfoUri": "https://auswidebank.com.au/help/resources/fees-and-charges/"
      },
      {
        "name": "RTGS_OUTWARD_PAYMENT_FEE",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "currency": "AUD",
        "additionalInfo": "Payable each time you request a high value, time critical payment from your account to another financial institution on a real time basis for    same day    payment",
        "additionalInfoUri": "https://auswidebank.com.au/help/resources/fees-and-charges/"
      },
      {
        "name": "TELEGPRAPHIC_TRANSFER_FEE",
        "feeType": "PAYMENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "50.00"
        },
        "currency": "AUD",
        "additionalInfo": "$AU cuurency $50 per transfer OR foreign currency $30 per transfer. Payable each time you request an electronic transmission of funds to an account at an overseas bank.",
        "additionalInfoUri": "https://auswidebank.com.au/help/resources/fees-and-charges/"
      },
      {
        "name": "ATM_DIRECT_CHARGE_FEE",
        "feeType": "CASH_ADVANCE",
        "feeMethodUType": "variable",
        "variable": {},
        "currency": "AUD",
        "additionalInfo": "Direct charge fee is levied by the ATM owner. May be payable to the ATM owner when using your card to withdraw or check your balance at a non-Auswide Bank ATM network ATM.",
        "additionalInfoUri": "https://auswidebank.com.au/help/resources/fees-and-charges/"
      },
      {
        "name": "FOREIGN_ATM_WITHDRAWAL_FEE",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "currency": "AUD",
        "additionalInfo": "Plus 3% Currency Conversion Fee. Payable when you use your Visa Debit Card at any oversas ATM to withdraw from your account",
        "additionalInfoUri": "https://auswidebank.com.au/help/resources/fees-and-charges/"
      },
      {
        "name": "CURRENCY_CONVERSION_FEE",
        "feeType": "TRANSACTION",
        "feeMethodUType": "rateBased",
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.03"
        },
        "currency": "AUD",
        "additionalInfo": "Payable when you use your card to pay for purchases or withdraw cash at overseas retail outlets or overseas ATM",
        "additionalInfoUri": "https://auswidebank.com.au/help/resources/fees-and-charges/"
      },
      {
        "name": "DISHONOUR_FEE_-_DIRECT_DEBIT_AND_EXTERNAL_PAYMENT",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "15.00"
        },
        "currency": "AUD",
        "additionalInfo": "Charged per rejection. Payable when you've arranged a direct debit payment or external payment to an account at another financial institution but there are insufficient clear funds in your account",
        "additionalInfoUri": "https://auswidebank.com.au/help/resources/fees-and-charges/"
      }
    ],
    "depositRates": [
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0001",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "EVERYDAY CLUB ACCOUNT_Tier_1",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "0.00",
            "maximumValue": "4999.99",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalInfoUri": "https://auswidebank.com.au/help/resources/interest-rates/"
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0005",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "EVERYDAY CLUB ACCOUNT_Tier_2",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "5000.00",
            "maximumValue": "19999.99",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalInfoUri": "https://auswidebank.com.au/help/resources/interest-rates/"
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.002",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "EVERYDAY CLUB ACCOUNT_Tier_3",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "20000.00",
            "maximumValue": "49999.99",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalInfoUri": "https://auswidebank.com.au/help/resources/interest-rates/"
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0025",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "EVERYDAY CLUB ACCOUNT_Tier_4",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "50000.00",
            "maximumValue": "99999.99",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalInfoUri": "https://auswidebank.com.au/help/resources/interest-rates/"
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.003",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "EVERYDAY CLUB ACCOUNT_Tier_5",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "100000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalInfoUri": "https://auswidebank.com.au/help/resources/interest-rates/"
      }
    ],
    "productId": "83899927-ff5a-4ef6-9abe-de02bbfaf8cb",
    "lastUpdated": "2026-07-01T10:44:51.000+10:00",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "name": "EVERYDAY CLUB ACCOUNT",
    "description": "A transaction account for clubs that pays interest",
    "brand": "A-Auswide Bank",
    "brandName": "A-Auswide Bank",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://auswidebank.com.au/banking/business-and-club-accounts/everyday-club-account/",
      "termsUri": "https://auswidebank.com.au/help/resources/terms-and-conditions/",
      "eligibilityUri": "https://auswidebank.com.au/help/resources/terms-and-conditions/",
      "feesAndPricingUri": "https://auswidebank.com.au/help/resources/fees-and-charges/"
    }
  }
}