{
  "source": "https://public.cdr.bnk.com.au/cds-au/v1/banking/products/Bus_TD_01",
  "note": "Product Reference Data published by the data holder under the Consumer Data Right, as cached by this site (refreshed every 6 hours).",
  "data": {
    "brand": "BNK Bank (Goldfields Money/BCHL)",
    "description": "Business Term Deposit option: we pay a great rate to reward you for stashing your hard earned cash with us.",
    "isTailored": false,
    "lastUpdated": "2026-07-13T20:00:00.55061Z",
    "name": "Business Term Deposit",
    "productCategory": "TERM_DEPOSITS",
    "productId": "Bus_TD_01",
    "additionalInformation": {
      "overviewUri": null,
      "termsUri": null,
      "eligibilityUri": null,
      "feesAndPricingUri": null,
      "bundleUri": null,
      "additionalOverviewUris": [],
      "additionalTermsUris": [],
      "additionalEligibilityUris": [],
      "additionalFeesAndPricingUris": [],
      "additionalBundleUris": []
    },
    "applicationUri": null,
    "brandName": "BNK Bank (Goldfields Money/BCHL)",
    "brandGroup": null,
    "cardArt": [],
    "effectiveFrom": "2025-04-15T14:00:00Z",
    "effectiveTo": "9999-09-29T13:00:00Z",
    "bundles": [],
    "constraints": [
      {
        "constraintType": "MIN_BALANCE",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "5000.00"
      },
      {
        "constraintType": "OPENING_BALANCE",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "5000.00"
      }
    ],
    "depositRates": [
      {
        "depositRateType": "FIXED",
        "rate": "0.0405",
        "additionalInfo": "Rate applied to a 1 Month Term Deposit",
        "additionalInfoUri": "https://www.goldfieldsmoney.com.au/products/deposits/term-deposits/",
        "additionalValue": "P1M",
        "applicationFrequency": "P1M",
        "calculationFrequency": null,
        "tiers": [],
        "applicationType": "MATURITY",
        "applicabilityConditions": [
          {
            "additionalInfo": "This rate is applicable to new Term Deposit Accounts ",
            "additionalInfoUri": null,
            "rateApplicabilityType": "NEW_ACCOUNTS",
            "additionalValue": null
          }
        ]
      },
      {
        "depositRateType": "FIXED",
        "rate": "0.053",
        "additionalInfo": "The rate applied to a 9 month Term Deposit",
        "additionalInfoUri": "https://www.goldfieldsmoney.com.au/products/deposits/term-deposits/",
        "additionalValue": "P9M",
        "applicationFrequency": "P9M",
        "calculationFrequency": null,
        "tiers": [],
        "applicationType": "MATURITY",
        "applicabilityConditions": [
          {
            "additionalInfo": "This rate is applicable to new Term Deposit Accounts ",
            "additionalInfoUri": null,
            "rateApplicabilityType": "NEW_ACCOUNTS",
            "additionalValue": null
          }
        ]
      },
      {
        "depositRateType": "FIXED",
        "rate": "0.053",
        "additionalInfo": "The rate applied to a 8 month Term Deposit",
        "additionalInfoUri": "https://www.goldfieldsmoney.com.au/products/deposits/term-deposits/",
        "additionalValue": "P8M",
        "applicationFrequency": "P8M",
        "calculationFrequency": null,
        "tiers": [],
        "applicationType": "MATURITY",
        "applicabilityConditions": [
          {
            "additionalInfo": "This rate is applicable to new Term Deposit Accounts ",
            "additionalInfoUri": null,
            "rateApplicabilityType": "NEW_ACCOUNTS",
            "additionalValue": null
          }
        ]
      },
      {
        "depositRateType": "FIXED",
        "rate": "0.0495",
        "additionalInfo": "The rate applied to a 3 month Term Deposit\n",
        "additionalInfoUri": "https://www.goldfieldsmoney.com.au/products/deposits/term-deposits/",
        "additionalValue": "P3M",
        "applicationFrequency": "P3M",
        "calculationFrequency": null,
        "tiers": [],
        "applicationType": "MATURITY",
        "applicabilityConditions": [
          {
            "additionalInfo": "This rate is applicable to new Term Deposit Accounts ",
            "additionalInfoUri": null,
            "rateApplicabilityType": "NEW_ACCOUNTS",
            "additionalValue": null
          }
        ]
      },
      {
        "depositRateType": "FIXED",
        "rate": "0.053",
        "additionalInfo": "The rate applied to a 7 month Term Deposit",
        "additionalInfoUri": "https://www.goldfieldsmoney.com.au/products/deposits/term-deposits/",
        "additionalValue": "P7M",
        "applicationFrequency": "P7M",
        "calculationFrequency": null,
        "tiers": [],
        "applicationType": "MATURITY",
        "applicabilityConditions": [
          {
            "additionalInfo": "This rate is applicable to new Term Deposit Accounts ",
            "additionalInfoUri": null,
            "rateApplicabilityType": "NEW_ACCOUNTS",
            "additionalValue": null
          }
        ]
      },
      {
        "depositRateType": "FIXED",
        "rate": "0.0505",
        "additionalInfo": "The rate applied to a 4 month Term Deposit",
        "additionalInfoUri": "https://www.goldfieldsmoney.com.au/products/deposits/term-deposits/",
        "additionalValue": "P4M",
        "applicationFrequency": "P4M",
        "calculationFrequency": null,
        "tiers": [],
        "applicationType": "MATURITY",
        "applicabilityConditions": [
          {
            "additionalInfo": "This rate is applicable to new Term Deposit Accounts ",
            "additionalInfoUri": null,
            "rateApplicabilityType": "NEW_ACCOUNTS",
            "additionalValue": null
          }
        ]
      },
      {
        "depositRateType": "FIXED",
        "rate": "0.053",
        "additionalInfo": "The rate applied to a 10 month Term Deposit",
        "additionalInfoUri": "https://www.goldfieldsmoney.com.au/products/deposits/term-deposits/",
        "additionalValue": "P10M",
        "applicationFrequency": "P10M",
        "calculationFrequency": null,
        "tiers": [],
        "applicationType": "MATURITY",
        "applicabilityConditions": [
          {
            "additionalInfo": "This rate is applicable to new Term Deposit Accounts ",
            "additionalInfoUri": null,
            "rateApplicabilityType": "NEW_ACCOUNTS",
            "additionalValue": null
          }
        ]
      },
      {
        "depositRateType": "FIXED",
        "rate": "0.053",
        "additionalInfo": "The rate applied to a 12 month Term Deposit",
        "additionalInfoUri": "https://www.goldfieldsmoney.com.au/products/deposits/term-deposits/",
        "additionalValue": "P12M",
        "applicationFrequency": "P12M",
        "calculationFrequency": null,
        "tiers": [],
        "applicationType": "MATURITY",
        "applicabilityConditions": [
          {
            "additionalInfo": "This rate is applicable to new Term Deposit Accounts ",
            "additionalInfoUri": null,
            "rateApplicabilityType": "NEW_ACCOUNTS",
            "additionalValue": null
          }
        ]
      },
      {
        "depositRateType": "FIXED",
        "rate": "0.0445",
        "additionalInfo": "The rate applied to a 2 month Term Deposit",
        "additionalInfoUri": "https://www.goldfieldsmoney.com.au/products/deposits/term-deposits/",
        "additionalValue": "P2M",
        "applicationFrequency": "P2M",
        "calculationFrequency": null,
        "tiers": [],
        "applicationType": "MATURITY",
        "applicabilityConditions": [
          {
            "additionalInfo": "This rate is applicable to new Term Deposit Accounts ",
            "additionalInfoUri": null,
            "rateApplicabilityType": "NEW_ACCOUNTS",
            "additionalValue": null
          }
        ]
      },
      {
        "depositRateType": "FIXED",
        "rate": "0.053",
        "additionalInfo": "The rate applied to a 6 month Term Deposit",
        "additionalInfoUri": "https://www.goldfieldsmoney.com.au/products/deposits/term-deposits/",
        "additionalValue": "P6M",
        "applicationFrequency": "P6M",
        "calculationFrequency": null,
        "tiers": [],
        "applicationType": "MATURITY",
        "applicabilityConditions": [
          {
            "additionalInfo": "This rate is applicable to new Term Deposit Accounts ",
            "additionalInfoUri": null,
            "rateApplicabilityType": "NEW_ACCOUNTS",
            "additionalValue": null
          }
        ]
      },
      {
        "depositRateType": "FIXED",
        "rate": "0.052",
        "additionalInfo": "The rate applied to a 5 month Term Deposit",
        "additionalInfoUri": "https://www.goldfieldsmoney.com.au/products/deposits/term-deposits/",
        "additionalValue": "P5M",
        "applicationFrequency": "P5M",
        "calculationFrequency": null,
        "tiers": [],
        "applicationType": "MATURITY",
        "applicabilityConditions": [
          {
            "additionalInfo": "This rate is applicable to new Term Deposit Accounts ",
            "additionalInfoUri": null,
            "rateApplicabilityType": "NEW_ACCOUNTS",
            "additionalValue": null
          }
        ]
      },
      {
        "depositRateType": "FIXED",
        "rate": "0.053",
        "additionalInfo": "The rate applied to a 11 month Term Deposit",
        "additionalInfoUri": "https://www.goldfieldsmoney.com.au/products/deposits/term-deposits/",
        "additionalValue": "P11M",
        "applicationFrequency": "P11M",
        "calculationFrequency": null,
        "tiers": [],
        "applicationType": "MATURITY",
        "applicabilityConditions": [
          {
            "additionalInfo": "This rate is applicable to new Term Deposit Accounts ",
            "additionalInfoUri": null,
            "rateApplicabilityType": "NEW_ACCOUNTS",
            "additionalValue": null
          }
        ]
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "MIN_AGE",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "18"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "Be a Company, sole trader business, partnership, or a Trustee of a Trust or SMSF and have either an ACN, ABN or ARBN;"
      },
      {
        "eligibilityType": "BUSINESS",
        "additionalInfo": "- Be a Company, sole trader business, partnership, \nor a Trustee of a Trust or SMSF and have either \nan ACN, ABN or ARBN;\n- Only want up to a maximum of 8 signatories \non the Account and have at least one signatory \nwho is at least 18 years of age and an Australian \nresident for tax purposes; \n- Have a business address, registered office, and \npostal address in Australia; and\n- Maintain a current email address, an Australian \nmobile number and always have access to \nan electronic device with a working internet \nconnection.",
        "additionalInfoUri": null,
        "additionalValue": null
      }
    ],
    "features": [
      {
        "featureType": "OTHER",
        "additionalInfo": "7 calendar days rollover cooling off period",
        "additionalInfoUri": null,
        "additionalValue": null,
        "isActivated": "UNKNOWN"
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null,
        "isActivated": "UNKNOWN"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "All deposits you have with BNK/Goldfields are guaranteed up to $250,000 by the Australian Government, under the Financial Claims Scheme. For more information on the Financial Claims Scheme.",
        "additionalInfoUri": "https://www.apra.gov.au/financial-claims-scheme-0",
        "additionalValue": null,
        "isActivated": "UNKNOWN"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "A loyalty bonus maybe offered if you automatically roll over your term deposit into a new term with BNK/Goldfields",
        "additionalInfoUri": null,
        "additionalValue": null,
        "isActivated": "UNKNOWN"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "No Fees",
        "additionalInfoUri": null,
        "additionalValue": null,
        "isActivated": "UNKNOWN"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Rollover facility available",
        "additionalInfoUri": null,
        "additionalValue": null,
        "isActivated": "UNKNOWN"
      }
    ],
    "fees": [
      {
        "feeType": "WITHDRAWAL",
        "name": "Term Deposit Early Withdrawals ",
        "additionalInfo": "withdraw part or all of the balance before the maturity date, the interest you receive on the amount withdrawn may be reduced based on the term elapsed as a percentage of the total term. This is the Early Withdrawal Adjustment. View TD Terms and conditions for full details \nPercentage of time elapsed out of original term: Percentage Interest reduced by - 0% to <20%: 90%,  20% to < 40%:80%,  40% to < 60%: 60%, 60% to < 80%: 40%, 80% to < 100%: 20%",
        "additionalInfoUri": "https://www.bnk.com.au/wp-content/uploads/2025/05/BNK-Goldfields-TD-Terms-Conditions-20251112.pdf",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "variable",
        "fixedAmount": null,
        "rateBased": null,
        "variable": {
          "feeMinimum": "0.00",
          "feeMaximum": null
        },
        "feeCap": null,
        "feeCapPeriod": null
      }
    ],
    "lendingRates": [],
    "instalments": null
  }
}