{
  "source": "https://api.cdr.bendigobank.com.au/cds-au/v1/banking/products/127b2ef2-a72c-4d51-bb46-cafe5f9bef42",
  "note": "Product Reference Data published by the data holder under the Consumer Data Right, as cached by this site (refreshed every 6 hours).",
  "data": {
    "lastUpdated": "2026-07-09T23:12:17.883Z",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "name": "Bendigo Easy Retirement Account",
    "description": "A transaction account designed to make life easier for retirees and pensioners.",
    "productId": "127b2ef2-a72c-4d51-bb46-cafe5f9bef42",
    "brandName": "Bendigo Bank",
    "applicationUri": "https://www.bendigobank.com.au/personal/transaction-accounts/easy-retirement-account/",
    "isTailored": false,
    "bundles": [],
    "cardArt": [],
    "features": [
      {
        "featureType": "DIGITAL_BANKING"
      },
      {
        "featureType": "NPP_ENABLED"
      },
      {
        "featureType": "CARD_ACCESS",
        "additionalValue": "A card is available for the product to access funds"
      }
    ],
    "constraints": [],
    "eligibility": [
      {
        "eligibilityType": "EMPLOYMENT_STATUS",
        "additionalValue": "Employment Status",
        "additionalInfo": "Available to retirees over 55 years of age who are either a self-funded retiree or a recipient of a Centrelink aged pension of Department of Veterans’ Affairs (DVA) administered pension."
      },
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "55"
      }
    ],
    "fees": [
      {
        "name": "Staff Assisted Transaction in Branch Fee",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "discounts": [],
        "fixedAmount": {
          "amount": "2.500000"
        }
      },
      {
        "name": "Periodical Payment to Other Financial Institution",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "discounts": [],
        "fixedAmount": {
          "amount": "3.750000"
        }
      },
      {
        "name": "Direct Debit Dishonour Fee",
        "feeType": "DISHONOUR",
        "feeMethodUType": "fixedAmount",
        "additionalInfo": "Applies when a direct debit from your account is \ndishonoured due to insufficient funds.",
        "discounts": [],
        "fixedAmount": {
          "amount": "10.000000"
        }
      },
      {
        "name": "International Transaction Fee",
        "feeType": "TRANSACTION",
        "feeMethodUType": "rateBased",
        "additionalInfo": "3% of the Transaction amount (in AUD) payable for \neach Transaction which is conducted in a currency \nother than Australian dollars (AUD) or in Australian \ndollars (AUD) but with or using a merchant, payment \nprocessor, financial institution or other entity \n(including an online merchant) who is outside of \nAustralia.",
        "discounts": [],
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.0300000000000000"
        }
      },
      {
        "name": "International ATM Withdrawal ",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "additionalInfo": "Payable whenever you make a cash withdrawal outside of Australia at a non-Bendigo Bank ATM (in addition to the Cash Advance Fee).\nOther financial institutions may charge you a fee for using their ATMs. This fee will be displayed at the time of the transaction and allows the customer to accept or decline the fee as shown. If using your credit card interest will be charged from the day the withdrawal is completed.\n",
        "discounts": [],
        "fixedAmount": {
          "amount": "5.000000"
        }
      },
      {
        "name": "Bank@Post balance enquiry",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "additionalInfo": "When you make balance enquiry at a Bank@Post \nterminal in an Australia Post Office using a Bendigo \nBank card, where this facility is available.",
        "additionalInfoUri": "https://www.bendigobank.com.au/globalassets/documents/disclosures/schedule-of-fees-charges-and-transaction-account-rebates.pdf",
        "discounts": [],
        "fixedAmount": {
          "amount": "0.000000"
        }
      },
      {
        "name": "Bank@Post Withdrawal",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "fixedAmount",
        "additionalInfo": "When you make a withdrawal at a Bank@Post terminal in an \nAustralia Post Office using a Bendigo Bank card where \nthis facility is available.\n",
        "additionalInfoUri": "https://www.bendigobank.com.au/globalassets/documents/disclosures/schedule-of-fees-charges-and-transaction-account-rebates.pdf",
        "discounts": [],
        "fixedAmount": {
          "amount": "2.500000"
        }
      },
      {
        "name": "Bank@Post Deposit",
        "feeType": "DEPOSIT",
        "feeMethodUType": "fixedAmount",
        "additionalInfo": "When you make a deposit at a Bank@Post terminal in an \nAustralia Post Office using a Bendigo Bank card where \nthis facility is available.\n",
        "additionalInfoUri": "https://www.bendigobank.com.au/globalassets/documents/disclosures/schedule-of-fees-charges-and-transaction-account-rebates.pdf",
        "discounts": [],
        "fixedAmount": {
          "amount": "2.500000"
        }
      },
      {
        "name": "Bank Cheque Withdrawal",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "additionalInfo": "When you request us to provide you with a bank cheque. \nThis fee will be charged to your account.",
        "additionalInfoUri": "https://www.bendigobank.com.au/globalassets/documents/disclosures/schedule-of-fees-charges-and-transaction-account-rebates.pdf",
        "discounts": [],
        "fixedAmount": {
          "amount": "10.000000"
        }
      },
      {
        "name": "EFT Credit Transfer",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "additionalInfoUri": "https://www.bendigobank.com.au/globalassets/documents/disclosures/schedule-of-fees-charges-and-transaction-account-rebates.pdf",
        "discounts": [],
        "fixedAmount": {
          "amount": "4.000000"
        }
      },
      {
        "name": "Monthly Service Fee",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "additionalValue": "P1M",
        "discounts": [],
        "fixedAmount": {
          "amount": "0.000000"
        }
      },
      {
        "name": "EFTPOS Withdrawal",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "discounts": [],
        "fixedAmount": {
          "amount": "0.000000"
        }
      },
      {
        "name": "Bendigo Bank ATM Transfer",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "discounts": [],
        "fixedAmount": {
          "amount": "0.000000"
        }
      },
      {
        "name": "Bendigo Bank ATM Withdrawal",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "discounts": [],
        "fixedAmount": {
          "amount": "0.000000"
        }
      }
    ],
    "lendingRates": [],
    "depositRates": [
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0035000000000000",
        "calculationFrequency": "P1D",
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "tiers": [
          {
            "name": "$0 < $9,999.99",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "0.0000000000000000",
            "maximumValue": "9999.9900000000000000",
            "rateApplicationMethod": "PER_TIER"
          }
        ]
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0170000000000000",
        "calculationFrequency": "P1D",
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "tiers": [
          {
            "name": "$10,000 < $49,999.99",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "10000.0000000000000000",
            "maximumValue": "49999.9900000000000000",
            "rateApplicationMethod": "PER_TIER"
          }
        ]
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0220000000000000",
        "calculationFrequency": "P1D",
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "tiers": [
          {
            "name": "$50,000 < $249,999.99",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "50000.0000000000000000",
            "maximumValue": "249999.9900000000000000",
            "rateApplicationMethod": "PER_TIER"
          }
        ]
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0250000000000000",
        "calculationFrequency": "P1D",
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "tiers": [
          {
            "name": "$250000.00 plus",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "250000.0000000000000000",
            "rateApplicationMethod": "PER_TIER"
          }
        ]
      }
    ],
    "additionalInformation": {
      "overviewUri": "https://www.bendigobank.com.au/personal/transaction-accounts/easy-retirement-account/",
      "termsUri": "https://www.bendigobank.com.au/disclosure-documents/",
      "eligibilityUri": "https://www.bendigobank.com.au/disclosure-documents/",
      "feesAndPricingUri": "https://www.bendigobank.com.au/globalassets/documents/disclosures/schedule-of-fees-charges-and-transaction-account-rebates.pdf"
    },
    "brand": "BENDIGO"
  }
}