{
  "source": "https://public.cdr.bankaust.com.au/cds-au/v1/banking/products/b7a085bb-a6cc-46a8-a052-ed6f42b1d58b",
  "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/term-deposits#tab2",
      "feesAndPricingUri": "https://www.bankaust.com.au/banking/term-deposits#tab1",
      "overviewUri": "https://www.bankaust.com.au/banking/term-deposits",
      "termsUri": "https://www.bankaust.com.au/banking/term-deposits#tab3"
    },
    "applicationUri": "https://join.bankaust.com.au/#/welcome?productcode=203",
    "brand": "Bank Australia",
    "description": "The fixed term deposit making a positive difference to more than just your bank balance.",
    "effectiveFrom": "2001-07-02T14:30:00.000Z",
    "isTailored": false,
    "lastUpdated": "2026-06-24T05:52:05.676Z",
    "name": "Term Deposit 3 months",
    "productCategory": "TERM_DEPOSITS",
    "productId": "b7a085bb-a6cc-46a8-a052-ed6f42b1d58b",
    "fees": [
      {
        "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": "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": "Company/business name searches",
        "additionalInfo": "When we conduct a search of the ASIC register to obtain information about the ownership of a company in administration of an account. The cost is per search.",
        "currency": "AUD",
        "fixedAmount": {
          "amount": "40.00"
        },
        "feeType": "EVENT",
        "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": "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": "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": "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": "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": "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"
      },
      {
        "name": "Term Deposit Early Withdrawal",
        "additionalInfo": "$0 fee and interest paid penalty. A fee charged for withdrawal of funds from your term deposit prior to its maturity",
        "currency": "AUD",
        "fixedAmount": {
          "amount": "0.00"
        },
        "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": "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"
      }
    ],
    "eligibility": [
      {
        "additionalInfo": "Sole traders, Pty Ltd, public companies, partnerships or associations",
        "eligibilityType": "BUSINESS"
      },
      {
        "additionalInfo": "Children aged 12 years and younger requires that a parent or guardian is a signatory to the account until the child turns 13 years old. At the age of 13 years old, the parent or guardian may at the child's election, cease to be a signatory.",
        "eligibilityType": "MIN_AGE",
        "additionalValue": "0"
      },
      {
        "additionalInfo": "Natural Person or In trust for a Natural Person or Non-Individual entity",
        "eligibilityType": "NATURAL_PERSON"
      },
      {
        "additionalInfo": "Personal, Joint, Self Managed Super Fund (SMSF), Business & Trust.\r\n",
        "eligibilityType": "OTHER"
      },
      {
        "additionalInfo": "Be an Australian citizen, permanent resident or have a valid Visa; or entity be registered in Australia",
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "AU"
      }
    ],
    "constraints": [
      {
        "additionalInfo": "Minimum Balance of $500 is required",
        "constraintType": "MIN_BALANCE",
        "additionalValue": "500.00"
      }
    ],
    "depositRates": [
      {
        "applicationType": "MATURITY",
        "tiers": [
          {
            "name": "Term Deposit 3 months - $500-$1m - Balance",
            "minimumValue": "500.00",
            "unitOfMeasure": "DOLLAR",
            "maximumValue": "1000000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "rate": "0.05",
        "applicationFrequency": "P3M",
        "additionalInfo": "Interest rates expressed as annual percentage rates. The interest rates shown are for an amount of $500 to $3,000,000 for personal customers.  For commercial customers the interest rates shown are for an amount of $500 to $1,000,000.",
        "additionalValue": "P3M",
        "depositRateType": "FIXED",
        "calculationFrequency": "P1D"
      },
      {
        "applicationType": "MATURITY",
        "tiers": [
          {
            "name": "Term Deposit 3 months - $500-$3m - Balance",
            "minimumValue": "500.00",
            "unitOfMeasure": "DOLLAR",
            "maximumValue": "3000000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "rate": "0.05",
        "applicationFrequency": "P3M",
        "additionalInfo": "Interest rates expressed as annual percentage rates. The interest rates shown are for an amount of $500 to $3,000,000 for personal customers.  For commercial customers the interest rates shown are for an amount of $500 to $1,000,000.",
        "additionalValue": "P3M",
        "depositRateType": "FIXED",
        "calculationFrequency": "P1D"
      }
    ],
    "features": [
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "You can self-serve your day-to-day banking needs via Bank Australia's App or Internet Banking."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Early Withdrawal: If you want to withdraw your TD prior to maturity, you are required to provide 31 days' prior notice. You may incur an interest adjustment and a Term Deposit early withdrawal admin fee."
      }
    ]
  }
}