{
  "source": "https://digital-api.bankofmelbourne.com.au/cds-au/v1/banking/products/BOMSavBusBusinessAccessSaver",
  "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": "BOMSavBusBusinessAccessSaver",
    "lastUpdated": "2026-06-30T05:46:15Z",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "name": "Business Access Saver",
    "description": "A business savings account that allows you to set money aside for payments such as GST and other taxes.",
    "brand": "Bank of Melbourne",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.bankofmelbourne.com.au/business/bank-accounts/business-access-saver",
      "termsUri": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/business/bank-accounts/business_accounts_terms.pdf",
      "eligibilityUri": "https://www.bankofmelbourne.com.au/business/bank-accounts/business-access-saver",
      "feesAndPricingUri": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/business/bank-accounts/business_accounts_terms.pdf"
    },
    "features": [
      {
        "featureType": "FREE_TXNS",
        "additionalValue": "5",
        "additionalInfo": "5 in-branch transactions per month"
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Access funds anytime , anywhere: Manage your savings online and on mobile, making transfers via a Bank of Melbourne everyday account."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "No account-keeping and transfer fees: For no monthly fee, make unlimited electronic transfers to and from your linked Bank of Melbourne account"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Earn interest on your savings. Your savings will attract a variable interest rate, earned daily and paid monthly."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Regularly deposit funds to grow savings balance."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "No minimum deposits or balances: Build your savings balance at your own pace, with no pressure for a minimum deposit each month"
      },
      {
        "featureType": "FRAUD_PROTECTION",
        "additionalInfo": "We?ll repay any missing funds if your account is compromised by Internet fraud, as long as you?ve complied with our T&Cs."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "No lock-in contract with a fixed term: Enjoy the flexibility of accessing your savings whenever you need them, with no restrictions."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Make tax time easier by separating personal and business transactions"
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Access to your funds anytime - online, mobile, tablet, branch - with SMS and email alerts to keep track of your account activity"
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "With PayTo, you can see, review and authorise all new PayTo payments for things such as recurring bills, memberships and subscriptions before the money leaves your account."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Statements : At least every 6 months statements are available"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Direct Credits is available"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18",
        "additionalInfo": "Applicant plus all signatories"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "Operating in Australia with an Australian address."
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Must not be an individual using the account for predominantly personal purposes"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Eligible entities include sole traders, partnerships, companies, associations, self-managed super funds, trusts and not-for-profit organisations"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Needs an eligible Bank of Melbourne business transaction account to link to"
      }
    ],
    "fees": [
      {
        "name": "Account Keeping Fee",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "additionalValue": "P1M"
      },
      {
        "name": "Staff assisted deposit",
        "feeType": "DEPOSIT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "3.00"
        }
      },
      {
        "name": "Internet Banking",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        }
      },
      {
        "name": "Phone Banking",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        }
      },
      {
        "name": "Direct Credit",
        "feeType": "DEPOSIT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        }
      },
      {
        "name": "Cheque collected or deposited",
        "feeType": "DEPOSIT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "3.00"
        }
      },
      {
        "name": "Monthly transaction allowance",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        }
      }
    ],
    "depositRates": [
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0045",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "0 - 4999",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "0.00",
            "maximumValue": "4999.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
            "additionalValue": "0.00"
          }
        ],
        "additionalInfoUri": "https://www.bankofmelbourne.com.au/help/interest-rates/business-banking"
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0045",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "5000 - 9999",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "5000.00",
            "maximumValue": "9999.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
            "additionalValue": "5000.00"
          }
        ],
        "additionalInfoUri": "https://www.bankofmelbourne.com.au/help/interest-rates/business-banking"
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0045",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "10000 - 24999",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "10000.00",
            "maximumValue": "24999.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
            "additionalValue": "10000.00"
          }
        ],
        "additionalInfoUri": "https://www.bankofmelbourne.com.au/help/interest-rates/business-banking"
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0045",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "25000 - 49999",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "25000.00",
            "maximumValue": "49999.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
            "additionalValue": "25000.00"
          }
        ],
        "additionalInfoUri": "https://www.bankofmelbourne.com.au/help/interest-rates/business-banking"
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.006",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "50000 - 249999",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "50000.00",
            "maximumValue": "249999.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
            "additionalValue": "50000.00"
          }
        ],
        "additionalInfoUri": "https://www.bankofmelbourne.com.au/help/interest-rates/business-banking"
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0115",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "250000 - 499999",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "250000.00",
            "maximumValue": "499999.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
            "additionalValue": "250000.00"
          }
        ],
        "additionalInfoUri": "https://www.bankofmelbourne.com.au/help/interest-rates/business-banking"
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0115",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "500000 - 999999",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "500000.00",
            "maximumValue": "999999.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
            "additionalValue": "500000.00"
          }
        ],
        "additionalInfoUri": "https://www.bankofmelbourne.com.au/help/interest-rates/business-banking"
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.013",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "1000000+",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "1000001.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
            "additionalValue": "1000000.00"
          }
        ],
        "additionalInfoUri": "https://www.bankofmelbourne.com.au/help/interest-rates/business-banking"
      }
    ]
  }
}