{
  "source": "https://public.cdr-api.bhccu.com.au/cds-au/v1/banking/products/50",
  "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": "50",
    "effectiveFrom": "2001-07-02T14:30:00.0000000Z",
    "lastUpdated": "2026-06-11T02:00:18.8259621Z",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "name": "OTC Savings Account",
    "description": "Broken Hill Bank's Over The Counter Savings Account. An Account Option For Those Customers That Don't Have Digital Services.",
    "brand": "Broken Hill Bank",
    "applicationUri": "https://brokenhill.bank/join-us-form",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://brokenhill.bank/access",
      "termsUri": "https://brokenhill.bank/access",
      "feesAndPricingUri": "http://brokenhill.bank/rates-and-fees"
    },
    "features": [
      {
        "featureType": "NPP_ENABLED",
        "additionalInfo": "\"New Payments Platform (NPP)\" - Making Payments Faster And Simpler"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "No Monthly Account Keeping Fees"
      },
      {
        "featureType": "UNLIMITED_TXNS",
        "additionalInfo": "\"Relationship Rewards\" - Providing You The Opportunity For Fee-Free Banking",
        "additionalInfoUri": "https://brokenhill.bank/rates-and-fees"
      }
    ],
    "constraints": [
      {
        "constraintType": "MIN_BALANCE",
        "additionalValue": "1000.00"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "Australian Citizens Or Permanent Residents",
        "additionalInfo": "Residents Of Australia Are Eligible"
      }
    ],
    "fees": [
      {
        "name": "Dormant Account Admin Fee",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "currency": "AUD",
        "additionalValue": "P1M"
      },
      {
        "name": "Periodical Payment Rejection",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Periodical Payment Alteration",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Periodical Payment Fee",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Periodical Payment Fee",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "3.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Statement Copy Fee (> 12 mths)",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "currency": "AUD"
      },
      {
        "name": "International Transfer Fee",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "15.00"
        },
        "currency": "AUD"
      },
      {
        "name": "IPEX / SWIFT Payment Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "35.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Swift Payment Deposit",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "35.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Electronic Funds Transfer Fee",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "3.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Miscellaneous Service Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "35.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Dishonour Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD"
      }
    ],
    "depositRates": [
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0115",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "USER-INPUT-RATE/1",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "1000.00",
            "maximumValue": "49999.99",
            "rateApplicationMethod": "PER_TIER"
          }
        ],
        "additionalInfoUri": "https://brokenhill.bank/fees-and-rates"
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.014",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "USER-INPUT-RATE/2",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "50000.00",
            "maximumValue": "249999.99",
            "rateApplicationMethod": "PER_TIER"
          }
        ],
        "additionalInfoUri": "https://brokenhill.bank/fees-and-rates"
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.016",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "USER-INPUT-RATE/3",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "250000.00",
            "maximumValue": "499999.99",
            "rateApplicationMethod": "PER_TIER"
          }
        ],
        "additionalInfoUri": "https://brokenhill.bank/fees-and-rates"
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "USER-INPUT-RATE/4",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "500000.00",
            "rateApplicationMethod": "PER_TIER"
          }
        ],
        "additionalInfoUri": "https://brokenhill.bank/fees-and-rates"
      }
    ]
  }
}