{
  "source": "https://api.cdr.bendigobank.com.au/cds-au/v1/banking/products/b712bbfe-6bd8-4490-b83c-4c5461ea3b0c",
  "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": "2026-07-13T04:14:22.934Z",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "name": "Bendigo Concession Account",
    "description": "This easy to use transaction account is for customers with an eligible Commonwealth Government concession card.  Designed for everyday banking with free e-banking transactions, 24 hour ATM and EFTPOS access via your choice of card.",
    "productId": "b712bbfe-6bd8-4490-b83c-4c5461ea3b0c",
    "brandName": "Bendigo Bank",
    "applicationUri": "https://www.bendigobank.com.au/personal/transaction-accounts/concession-account/",
    "isTailored": false,
    "bundles": [],
    "cardArt": [],
    "features": [
      {
        "featureType": "UNLIMITED_TXNS"
      },
      {
        "featureType": "DIGITAL_BANKING"
      },
      {
        "featureType": "NPP_ENABLED"
      },
      {
        "featureType": "CARD_ACCESS",
        "additionalValue": "A card is available for the product to access funds"
      }
    ],
    "constraints": [],
    "eligibility": [
      {
        "eligibilityType": "PENSION_RECIPIENT",
        "additionalValue": "- This product is available to retail clients who:  - currently hold a Health Care Card, Pensioner Concession Card, Commonwealth Seniors Health Card or Department of Veterans' Affairs (DVA) Health Card (Gold card or Repatriation Health Card)  - or are otherwise deemed to be eligible by Bendigo Bank  - and they ensure any Australian Government payments (where applicable) are paid consistently into the account  Note: Customers who no longer meet the eligibility requirements may be converted to a Bendigo Everyday Account.",
        "additionalInfo": "Note: Customers who no longer meet the eligibility requirements may be converted to a Bendigo Everyday Account.",
        "additionalInfoUri": "https://www.bendigobank.com.au/personal/accounts/transaction-accounts/concession/"
      },
      {
        "eligibilityType": "NATURAL_PERSON",
        "additionalValue": "Must be a natural person"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "You need to be an Australian citizen or resident"
      }
    ],
    "fees": [
      {
        "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": "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": "Bank Cheque Withdrawal",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "discounts": [],
        "fixedAmount": {
          "amount": "0.000000"
        }
      },
      {
        "name": "EFT Credit Transfer",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "discounts": [],
        "fixedAmount": {
          "amount": "0.000000"
        }
      },
      {
        "name": "Periodical Payment to Other Financial Institution",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "discounts": [],
        "fixedAmount": {
          "amount": "0.000000"
        }
      },
      {
        "name": "Bank@Post Withdrawal",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "discounts": [],
        "fixedAmount": {
          "amount": "0.000000"
        }
      },
      {
        "name": "Bank@Post Deposit",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "discounts": [],
        "fixedAmount": {
          "amount": "0.000000"
        }
      },
      {
        "name": "Bank@Post balance enquiry",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "discounts": [],
        "fixedAmount": {
          "amount": "0.000000"
        }
      },
      {
        "name": "Monthly Service Fee",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "additionalValue": "P1M",
        "discounts": [],
        "fixedAmount": {
          "amount": "0.000000"
        }
      },
      {
        "name": "Staff Assisted Transactions In Branch Fee",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "discounts": [],
        "fixedAmount": {
          "amount": "0.000000"
        }
      },
      {
        "name": "EFTPOS Withdrawal",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "discounts": [],
        "fixedAmount": {
          "amount": "0.000000"
        }
      },
      {
        "name": "Bendigo Bank ATM Withdrawal",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "discounts": [],
        "fixedAmount": {
          "amount": "0.000000"
        }
      },
      {
        "name": "Bendigo Bank ATM Transfer",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "discounts": [],
        "fixedAmount": {
          "amount": "0.000000"
        }
      }
    ],
    "lendingRates": [],
    "depositRates": [
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0000000000000000",
        "calculationFrequency": "P1D",
        "applicationFrequency": "P1Y",
        "applicationType": "PERIODIC"
      }
    ],
    "additionalInformation": {
      "overviewUri": "https://www.bendigobank.com.au/personal/transaction-accounts/concession-account/",
      "termsUri": "https://www.bendigobank.com.au/disclosure-documents/",
      "eligibilityUri": "https://www.bendigobank.com.au/disclosure-documents/",
      "feesAndPricingUri": "https://www.bendigobank.com.au/disclosure-documents/"
    },
    "brand": "BENDIGO"
  }
}