{
  "source": "https://api.cdr.bendigobank.com.au/cds-au/v1/banking/products/3109cb87-fd74-4918-852f-48134908494b",
  "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": "2026-07-10T04:29:19.045Z",
    "productCategory": "REGULATED_TRUST_ACCOUNTS",
    "name": "Retention Money Trust",
    "description": "Head contractors working on projects with a value of at least $20m in NSW and are required by law to hold retention money in trust.",
    "productId": "3109cb87-fd74-4918-852f-48134908494b",
    "brandName": "Bendigo Bank",
    "isTailored": false,
    "bundles": [],
    "cardArt": [],
    "features": [
      {
        "featureType": "BILL_PAYMENT",
        "additionalValue": "BPAY"
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalValue": "E-Banking"
      },
      {
        "featureType": "NPP_PAYID",
        "additionalInfo": "An account of this product type can be used as the target of an NPP PayID"
      },
      {
        "featureType": "NPP_ENABLED",
        "additionalInfo": "An account of this product type can be used as the target of an NPP PayID"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Minimum opening amount of $1."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "No monthly service fee."
      }
    ],
    "constraints": [],
    "eligibility": [
      {
        "eligibilityType": "BUSINESS",
        "additionalInfo": "Required to hold a trading account with Bendigo Bank to re-direct fees"
      }
    ],
    "fees": [
      {
        "name": "BPAY WITHDRAWAL",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "currency": "AUD",
        "additionalInfoUri": "https://www.bendigobank.com.au/globalassets/documents/disclosures/business-fees-and-charges.pdf",
        "discounts": [],
        "fixedAmount": {
          "amount": "0.400000"
        }
      },
      {
        "name": "E-Banking Internal Transfer",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "currency": "AUD",
        "additionalInfoUri": "https://www.bendigobank.com.au/globalassets/documents/disclosures/business-fees-and-charges.pdf",
        "discounts": [],
        "fixedAmount": {
          "amount": "0.400000"
        }
      },
      {
        "name": "Phone Banking Transfer",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "currency": "AUD",
        "additionalInfoUri": "https://www.bendigobank.com.au/globalassets/documents/disclosures/business-fees-and-charges.pdf",
        "discounts": [],
        "fixedAmount": {
          "amount": "0.400000"
        }
      },
      {
        "name": "E-Banking Pay Anyone Transfer incl. Osko",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "currency": "AUD",
        "additionalInfoUri": "https://www.bendigobank.com.au/globalassets/documents/disclosures/business-fees-and-charges.pdf",
        "discounts": [],
        "fixedAmount": {
          "amount": "0.400000"
        }
      },
      {
        "name": "Branch Cash Withdrawal",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "currency": "AUD",
        "additionalInfoUri": "https://www.bendigobank.com.au/globalassets/documents/disclosures/business-fees-and-charges.pdf",
        "discounts": [],
        "fixedAmount": {
          "amount": "1.750000"
        }
      },
      {
        "name": "Branch Transfer",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "currency": "AUD",
        "additionalInfoUri": "https://www.bendigobank.com.au/globalassets/documents/disclosures/business-fees-and-charges.pdf",
        "discounts": [],
        "fixedAmount": {
          "amount": "1.750000"
        }
      },
      {
        "name": "Agency Withdrawal",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "currency": "AUD",
        "additionalInfoUri": "https://www.bendigobank.com.au/globalassets/documents/disclosures/business-fees-and-charges.pdf",
        "discounts": [],
        "fixedAmount": {
          "amount": "1.750000"
        }
      },
      {
        "name": "Collection Item",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "currency": "AUD",
        "additionalInfoUri": "https://www.bendigobank.com.au/globalassets/documents/disclosures/business-fees-and-charges.pdf",
        "discounts": [],
        "fixedAmount": {
          "amount": "0.700000"
        }
      },
      {
        "name": "EFTPOS Withdrawal",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "currency": "AUD",
        "additionalInfoUri": "https://www.bendigobank.com.au/globalassets/documents/disclosures/business-fees-and-charges.pdf",
        "discounts": [],
        "fixedAmount": {
          "amount": "0.700000"
        }
      },
      {
        "name": "Cheque Withdrawal",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "currency": "AUD",
        "additionalInfoUri": "https://www.bendigobank.com.au/globalassets/documents/disclosures/business-fees-and-charges.pdf",
        "discounts": [],
        "fixedAmount": {
          "amount": "0.700000"
        }
      },
      {
        "name": "Bank Cheque Withdrawal",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "currency": "AUD",
        "additionalInfoUri": "https://www.bendigobank.com.au/globalassets/documents/disclosures/business-fees-and-charges.pdf",
        "discounts": [],
        "fixedAmount": {
          "amount": "10.000000"
        }
      },
      {
        "name": "EFT Credit Transfer",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "currency": "AUD",
        "additionalInfoUri": "https://www.bendigobank.com.au/globalassets/documents/disclosures/business-fees-and-charges.pdf",
        "discounts": [],
        "fixedAmount": {
          "amount": "4.000000"
        }
      },
      {
        "name": "Periodical Payment by Cheque",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "currency": "AUD",
        "additionalInfoUri": "https://www.bendigobank.com.au/globalassets/documents/disclosures/business-fees-and-charges.pdf",
        "discounts": [],
        "fixedAmount": {
          "amount": "3.750000"
        }
      },
      {
        "name": "Periodical Payment to Other Financial Institution",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "currency": "AUD",
        "additionalInfoUri": "https://www.bendigobank.com.au/globalassets/documents/disclosures/business-fees-and-charges.pdf",
        "discounts": [],
        "fixedAmount": {
          "amount": "3.750000"
        }
      },
      {
        "name": "Cheque Withdrawal",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "fixedAmount",
        "currency": "AUD",
        "additionalInfo": "This fee will continue to be charged where the bank is notified that all customers of the account are deceased, as a service will continue to be performed.\n\nExisting Accounts Only. Cheque Facilities and Cheque books not available on new accounts opened from 1 August 2023.",
        "discounts": [],
        "fixedAmount": {
          "amount": "0.700000"
        }
      }
    ],
    "depositRates": [],
    "lendingRates": [],
    "additionalInformation": {
      "overviewUri": "https://www.bendigobank.com.au/business/business-transaction-accounts/regulated-trust-accounts/",
      "termsUri": "https://www.bendigobank.com.au/globalassets/documents/disclosures/bendigo-business-accounts-and-facilities.pdf",
      "eligibilityUri": "https://www.bendigobank.com.au/globalassets/documents/disclosures/bendigo-business-accounts-and-facilities.pdf",
      "feesAndPricingUri": "https://www.bendigobank.com.au/globalassets/documents/disclosures/business-fees-and-charges.pdf"
    },
    "brand": "BENDIGO"
  }
}