{
  "source": "https://openbank.api.banksyd.com.au/cds-au/v1/banking/products/business_overdraft_account",
  "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": "business_overdraft_account",
    "lastUpdated": "2026-05-22T00:56:55Z",
    "productCategory": "OVERDRAFTS",
    "name": "Business Overdraft Account",
    "description": "Combine the security of funds on hand and the flexibility to cover your cash flow requirements with a Business Overdraft Account.",
    "brand": "Bank of Sydney",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.banksyd.com.au/business/business-overdraft",
      "termsUri": "https://www.banksyd.com.au/important-product-information",
      "eligibilityUri": "https://www.banksyd.com.au/business/business-overdraft",
      "feesAndPricingUri": "https://www.banksyd.com.au/important-product-information"
    },
    "features": [
      {
        "featureType": "DIGITAL_BANKING"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "BUSINESS"
      }
    ],
    "fees": [
      {
        "name": "Application Fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "variable",
        "variable": {},
        "currency": "AUD",
        "additionalValue": "Fee on application",
        "additionalInfoUri": "https://www.banksyd.com.au/important-product-information"
      },
      {
        "name": "Line Facility Fee",
        "feeType": "PERIODIC",
        "feeMethodUType": "rateBased",
        "rateBased": {
          "rateType": "BALANCE",
          "rate": "1.70",
          "accrualFrequency": "P1D",
          "amountRange": {
            "feeMinimum": "50.00"
          }
        },
        "currency": "AUD",
        "additionalValue": "P1M",
        "additionalInfo": "Line fee may vary"
      },
      {
        "name": "Overdraft Limit Repayment & Cancellation Admin Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "150.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Variation Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "300.00"
        },
        "currency": "AUD"
      }
    ],
    "lendingRates": [
      {
        "rate": "0.1458",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "lendingRateType": "VARIABLE",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "UNCONSTRAINED",
        "loanPurpose": "OTHER"
      }
    ]
  }
}