{
  "source": "https://public.cdr-api.coastline.com.au/cds-au/v1/banking/products/22",
  "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": "22",
    "effectiveFrom": "2011-02-13T13:30:00.0000000Z",
    "lastUpdated": "2026-07-16T08:00:15.6135752Z",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "name": "Mortgage Loan Offset",
    "description": "Mortgage Loan Offset",
    "brand": "Coastline ",
    "applicationUri": "https://www.coastline.com.au/newsroom/offset-accounts-a-guide-to-saving-thousands-over-the-life-of-your-loan",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.coastline.com.au/newsroom/offset-accounts-a-guide-to-saving-thousands-over-the-life-of-your-loan",
      "termsUri": "https://www.coastline.com.au/conditions-of-use/",
      "eligibilityUri": "https://www.coastline.com.au/conditions-of-use/",
      "feesAndPricingUri": "https://www.coastline.com.au/conditions-of-use/",
      "bundleUri": "https://www.coastline.com.au/newsroom/offset-accounts-a-guide-to-saving-thousands-over-the-life-of-your-loan"
    },
    "cardArt": [
      {
        "cardScheme": "VISA",
        "cardType": "DEBIT",
        "title": "Visa Debit Card - Personal",
        "imageUri": "https://cdn.sanity.io/images/djf521sf/production/754dc12a636715c913ba2beaac4369344d16e4d8-1536x969.png"
      }
    ],
    "features": [
      {
        "featureType": "ADDITIONAL_CARDS"
      },
      {
        "featureType": "CARD_ACCESS",
        "additionalValue": "Visa Debit Card"
      },
      {
        "featureType": "DIGITAL_BANKING"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Apple Pay, Google Pay"
      },
      {
        "featureType": "NPP_ENABLED"
      },
      {
        "featureType": "NPP_PAYID"
      },
      {
        "featureType": "UNLIMITED_TXNS"
      }
    ],
    "constraints": [
      {
        "constraintType": "OTHER",
        "additionalInfo": "Must hold an eligible loan to be connect to."
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "BUSINESS"
      },
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18"
      },
      {
        "eligibilityType": "NATURAL_PERSON"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Have an eligible loan"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "Australia"
      }
    ],
    "fees": [
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        "name": "Emergency Local Card Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "15.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Security Token",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
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        },
        "currency": "AUD"
      },
      {
        "name": "Dormant Account Fee",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
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        },
        "currency": "AUD",
        "additionalValue": "P1Y"
      },
      {
        "name": "Agency Withdrawal Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
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        },
        "currency": "AUD"
      },
      {
        "name": "Direct Debit Cancellation Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
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        },
        "currency": "AUD"
      },
      {
        "name": "Sweep Establishment Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
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        },
        "currency": "AUD"
      },
      {
        "name": "Sweep Variation Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Sweep Cancellation Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Emergency Overseas Card Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "300.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Bank Cheque Issue Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "15.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Corporate Cheque Fee",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Corporate Chq Stop Pmt Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Stop Chq Request Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Chq Deposit Dishonour Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Special Clearance Chq Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "32.50"
        },
        "currency": "AUD"
      },
      {
        "name": "Elec Outbound Rejection Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Periodic Pmt Establishment Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Periodic Pmt Variation Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
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        },
        "currency": "AUD"
      },
      {
        "name": "Duplicate Statement Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
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        },
        "currency": "AUD"
      },
      {
        "name": "Card Dispute Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "33.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Direct Entry Trace Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "25.00"
        },
        "currency": "AUD"
      },
      {
        "name": "BPAY Error Correction Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "11.50"
        },
        "currency": "AUD"
      },
      {
        "name": "BPAY Investigation Request Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.50"
        },
        "currency": "AUD"
      },
      {
        "name": "Corporate Cheque Trace Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "32.50"
        },
        "currency": "AUD"
      },
      {
        "name": "Member Cheque Trace Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "33.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Overdrawn Account Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Night Safe Wallet Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "15.00"
        },
        "currency": "AUD"
      },
      {
        "name": "SMS Fees",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.25"
        },
        "currency": "AUD"
      },
      {
        "name": "Periodic Pmt Rejection Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        },
        "currency": "AUD"
      },
      {
        "name": "EFTPOS Decl Trans Fee",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Replacement Card Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Safe Custody Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "25.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Audit Certificate Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "25.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Piggy Bank",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Offset Base Balance Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "6.00"
        },
        "currency": "AUD",
        "discounts": [
          {
            "description": "Only customers younger than a maximum age receive the discount",
            "discountType": "ELIGIBILITY_ONLY",
            "discountMethodUType": "rateBased",
            "rateBased": {
              "rateType": "FEE",
              "rate": "1.0",
              "amountRange": {}
            },
            "eligibility": [
              {
                "discountEligibilityType": "MAX_AGE",
                "additionalValue": "22"
              }
            ]
          }
        ]
      },
      {
        "name": "Offset Base Balance Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "6.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Offset Base Balance Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Offset Account Withdrawal Fee",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "1.95"
        },
        "currency": "AUD",
        "discounts": [
          {
            "description": "Only customers younger than a maximum age receive the discount",
            "discountType": "ELIGIBILITY_ONLY",
            "discountMethodUType": "rateBased",
            "rateBased": {
              "rateType": "FEE",
              "rate": "1.0",
              "amountRange": {}
            },
            "eligibility": [
              {
                "discountEligibilityType": "MAX_AGE",
                "additionalValue": "22"
              }
            ]
          }
        ]
      },
      {
        "name": "Offset Account Withdrawal Fee",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "1.95"
        },
        "currency": "AUD"
      },
      {
        "name": "Offset Account Withdrawal Fee",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Presented Cheque Fee",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.75"
        },
        "currency": "AUD"
      },
      {
        "name": "Non CCU ATM Transaction Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "1.50"
        },
        "currency": "AUD"
      },
      {
        "name": "Non CCU ATM Decl Trans Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "1.50"
        },
        "currency": "AUD"
      },
      {
        "name": "Non CCU ATM Bal Enq Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "1.50"
        },
        "currency": "AUD"
      },
      {
        "name": "ATM Direct Charge",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Bank's Solicitor Mtg Disch Fee",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "380.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Mortgage Discharge Fee",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "250.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Non Coastline ATM Wdl Fee",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Staff Assisted Electronic Pmnt",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "2.25"
        },
        "currency": "AUD"
      },
      {
        "name": "Honour Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Dishonour Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Real Time Transfer Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Overseas ATM Wdl Fee",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "currency": "AUD"
      }
    ],
    "depositRates": [
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "EXISTING_CUST"
          },
          {
            "rateApplicabilityType": "NEW_ACCOUNTS"
          },
          {
            "rateApplicabilityType": "NEW_CUSTOMER"
          }
        ]
      }
    ]
  }
}