{
  "source": "https://public.cdr.bankaust.com.au/cds-au/v1/banking/products/ac8412c5-9a3c-4e4b-8063-7c81b8aa4049",
  "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.bankaust.com.au/banking/everyday-accounts/basic-access#tab-4",
      "feesAndPricingUri": "https://cdn.bfldr.com/1R31Y8GR/as/ttcjnnjsvnsm9k5gx5qpmwbp/Fees_charges_and_transaction_limits",
      "overviewUri": "https://www.bankaust.com.au/banking/everyday-accounts/basic-access/",
      "termsUri": "https://www.bankaust.com.au/banking/everyday-accounts/basic-access#tab-3"
    },
    "brand": "Bank Australia",
    "description": "The no monthly account fees basic bank account for health care and concession card holders.",
    "effectiveFrom": "2001-07-02T14:30:00.000Z",
    "isTailored": false,
    "lastUpdated": "2026-07-03T01:22:56.109Z",
    "name": "Basic Access",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "productId": "ac8412c5-9a3c-4e4b-8063-7c81b8aa4049",
    "fees": [
      {
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.1239"
        },
        "discounts": [],
        "name": "Debit interest charge rate",
        "additionalInfo": "Additional interest charged on overdrawn account.",
        "currency": "AUD",
        "feeType": "EVENT",
        "feeMethodUType": "rateBased"
      },
      {
        "name": "Dishonour Fee",
        "additionalInfo": "A fee charged where a debit presented to us is dishonoured because there aren't enough available funds in your account.",
        "currency": "AUD",
        "fixedAmount": {
          "amount": "0.00"
        },
        "feeType": "DISHONOUR",
        "feeMethodUType": "fixedAmount"
      },
      {
        "name": "Online international payment in foreign currency",
        "additionalInfo": "This fee is charged when you make an International Payment in foreign currency on-line via Internet banking or Bank Australia app. The cost is per transfer.",
        "currency": "AUD",
        "fixedAmount": {
          "amount": "10.00"
        },
        "feeType": "PAYMENT",
        "feeMethodUType": "fixedAmount"
      },
      {
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.03"
        },
        "name": "International transaction fee (ITF)",
        "additionalInfo": "When you undertake an International transaction on a Bank Australia Visa Debit Card you will be charged the fee. An International transaction is any purchase, withdrawal or credit in a currency other than Australian Dollars or where the merchant or financial institution accepting the transaction is outside of Australia or where there is a currency conversion.",
        "currency": "AUD",
        "feeType": "TRANSACTION",
        "feeMethodUType": "rateBased"
      },
      {
        "name": "Monthly Fee",
        "additionalInfo": "A flat fee payable on the last day of each month.",
        "currency": "AUD",
        "additionalValue": "P1M",
        "fixedAmount": {
          "amount": "0.00"
        },
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount"
      },
      {
        "name": "Domestic (\"press credit\") cash withdrawal fee",
        "additionalInfo": "A fee that applies to any cash withdrawal transaction within Australia made using the \"credit\" option on a Bank Australia Visa Debit card.",
        "currency": "AUD",
        "fixedAmount": {
          "amount": "0.00"
        },
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "fixedAmount"
      },
      {
        "name": "Visa foreign cash withdrawal fee",
        "additionalInfo": "A fee that applies to any cash withdrawal transaction made with your Bank Australia Visa Debit Card outside Australia.",
        "currency": "AUD",
        "fixedAmount": {
          "amount": "0.00"
        },
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "fixedAmount"
      },
      {
        "discounts": [
          {
            "additionalInfo": "We will waive the fee if at the time of the withdrawal,\nyou hold an Offset Home Loan, Clean Energy Home Loan, or if\nthe account owner is a school or not-for-profit-entity.",
            "discountMethodUType": "fixedAmount",
            "description": "We will waive the fee if at the time of the withdrawal,\nyou hold an Offset Home Loan, Clean Energy Home Loan, or if\nthe account owner is a school or not-for-profit-entity.",
            "eligibility": [
              {
                "additionalInfo": "We will waive the fee if at the time of the withdrawal,\nyou hold an Offset Home Loan, Clean Energy Home Loan, or if\nthe account owner is a school or not-for-profit-entity.",
                "discountEligibilityType": "OTHER"
              }
            ],
            "discountType": "ELIGIBILITY_ONLY",
            "fixedAmount": {
              "amount": "0.00"
            }
          }
        ],
        "name": "Staff assisted withdrawal fee",
        "additionalInfo": "A fee charged for taking money out of your account with the assistance of a staff member, charged on the day the service is provided.",
        "currency": "AUD",
        "fixedAmount": {
          "amount": "0.00"
        },
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount"
      },
      {
        "name": "Certificates supplied by the bank",
        "additionalInfo": "A fee for comprehensive certificates supplied for audit. The cost is $5 per page and $25 per hour.",
        "currency": "AUD",
        "fixedAmount": {
          "amount": "5.00"
        },
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount"
      },
      {
        "name": "Duplicate statement fee",
        "additionalInfo": "$5 per statement (for period more than 3 months before request). A fee that may be charged if you order a copy of a statement that has already been issued on your account. This fee per statement and is charged on or after the day you order the duplicate statement.",
        "currency": "AUD",
        "fixedAmount": {
          "amount": "5.00"
        },
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount"
      },
      {
        "name": "Dormancy Fee",
        "additionalInfo": "Administration fee where account has been transferred to dormancy status. ",
        "currency": "AUD",
        "additionalValue": "P1Y",
        "fixedAmount": {
          "amount": "10.00"
        },
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount"
      },
      {
        "name": "Security token fee",
        "additionalInfo": "When you request that we provide you with a physical Token to provide an additional layer of security when you engage in transactions that carry a higher risk. We do not charge for the virtual token.",
        "currency": "AUD",
        "fixedAmount": {
          "amount": "50.00"
        },
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount"
      },
      {
        "name": "SMS alert fee",
        "additionalInfo": "This fee is charged when you elect to receive notifications about your account via SMS messages to a mobile telephone number you have given us for contacting you. The cost is per SMS.",
        "currency": "AUD",
        "fixedAmount": {
          "amount": "0.25"
        },
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount"
      },
      {
        "name": "Same day funds transfers within Australia fee (RTGS)",
        "additionalInfo": "This fee is for a Real Time Gross Settlement (RTGS) payment which refers to the process of transferring money from one bank to another in Australia on a real time and gross basis. The cost is per transfer.",
        "currency": "AUD",
        "fixedAmount": {
          "amount": "20.00"
        },
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount"
      },
      {
        "name": "Staff assisted international payment in foreign currency",
        "additionalInfo": "This fee is charged when you make an International Payment in foreign currency via a Branch or the Contact Centre.  The cost is per transfer.",
        "currency": "AUD",
        "fixedAmount": {
          "amount": "30.00"
        },
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount"
      },
      {
        "name": "Staff assisted international payment in AUD",
        "additionalInfo": "This fee is charged when you make an International Payment in AUD via a Branch or the Contact Centre. The cost is per transfer.",
        "currency": "AUD",
        "fixedAmount": {
          "amount": "30.00"
        },
        "feeType": "PAYMENT",
        "feeMethodUType": "fixedAmount"
      },
      {
        "name": "Inwards Payment fee",
        "additionalInfo": "International money transfer from overseas (other fees may be charged by participating banks involved in the transaction or settlement). The cost is per transaction.",
        "currency": "AUD",
        "fixedAmount": {
          "amount": "0.00"
        },
        "feeType": "DEPOSIT",
        "feeMethodUType": "fixedAmount"
      },
      {
        "name": "Exceeding available funds fee",
        "currency": "AUD",
        "fixedAmount": {
          "amount": "0.00"
        },
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount"
      }
    ],
    "eligibility": [
      {
        "additionalInfo": "18+ years",
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18"
      },
      {
        "additionalInfo": "Natural Person or In trust for a Natural Person",
        "eligibilityType": "NATURAL_PERSON"
      },
      {
        "additionalInfo": "Customers who hold a Health Care Card and do not receive Government benefits, must credit their low income earnings into this account.",
        "eligibilityType": "OTHER"
      },
      {
        "additionalInfo": "Only one Basic Access account is allowed per customer, solely or jointly owned",
        "eligibilityType": "OTHER"
      },
      {
        "additionalInfo": "Must be an Australian citizen, permanent resident or have a valid Visa.",
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "AU"
      }
    ],
    "depositRates": [
      {
        "applicationType": "PERIODIC",
        "tiers": [
          {
            "name": "$0 and above",
            "minimumValue": "0.00",
            "unitOfMeasure": "DOLLAR",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "rate": "0",
        "applicationFrequency": "P1M",
        "depositRateType": "VARIABLE"
      }
    ],
    "features": [
      {
        "featureType": "BILL_PAYMENT",
        "additionalInfo": "You can pay bills with the BPAY logo via Bank Australia App or Internet Banking.",
        "additionalValue": "BPAY"
      },
      {
        "featureType": "CARD_ACCESS",
        "additionalInfo": "Use instore, online and withdraw local currency at millions of locations, everywhere Visa is accepted. Cards are enabled to support diverse needs with raised bumps on the left hand-side on the front face of the card.",
        "additionalValue": "Visa Debit Card"
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "You can self-serve your day-to-day banking needs via Bank Australia's App or Internet Banking."
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalInfo": "Leave your wallet behind and pay for the things you need with Google Pay/ Samsung Pay/ Apple Pay.",
        "additionalValue": "Google, Samsung and Apple Pay available"
      },
      {
        "featureType": "NOTIFICATIONS",
        "additionalInfo": "Notifications can be enabled in the App or through Internet Banking, allowing you to be alerted either by email, sms or through the App about your card/account activity.",
        "additionalValue": "Card and Account Notifications"
      },
      {
        "featureType": "NPP_ENABLED",
        "additionalInfo": "Move money and pay people instantly with Osko."
      },
      {
        "featureType": "NPP_PAYID",
        "additionalInfo": "With PayID you can forget your BSB and account number - simply use your mobile, email or ABN to receive payments. This account can be linked to a PayID."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Card Controls: Decide the features you want enabled on your card including card lock, digital wallet, pay wave, international transactions, ATM withdrawals or online/in store transactions and simply switch them on or off from your App or Internet Banking."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Round Up: When you make a transaction with your Visa debit card, you can decide whether you want the amount to be rounded to the nearest whole dollar amount, with the round up being credited from this account into your nominated Savings account or Credit Card."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Bank@Post: Customers with a Bank Australia Visa debit card can make cash deposits up to $9,999.95 per day."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "PayTo Payments: You can make recurring and one-off payments with any participating PayTo merchant, business or service provider and keep track of all the payments in the Bank Australia app or Internet Banking."
      },
      {
        "featureType": "UNLIMITED_TXNS",
        "additionalInfo": "There is no limit to the number of online, EFTPOS, ATM or staff assisted transactions you can make."
      }
    ]
  }
}