{
  "source": "https://api.open-banking.greatsouthernbank.com.au/cds-au/v1/banking/products/2000-4000",
  "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": "2000-4000",
    "effectiveFrom": "2019-12-31T14:00:00.00000Z",
    "effectiveTo": "2030-12-31T13:59:59.00000Z",
    "lastUpdated": "2026-04-29T14:01:00.00000Z",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "name": "Everyday Business Account",
    "description": "An everyday bank account for business members",
    "brand": "Great Southern Bank",
    "brandName": "Great Southern Bank",
    "brandGroup": "Great Southern Bank",
    "applicationUri": "https://www.greatsouthernbank.com.au/business-banking/everyday-business-account",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.greatsouthernbank.com.au/business-banking/everyday-business-account",
      "termsUri": "https://www.greatsouthernbank.com.au/gitc",
      "feesAndPricingUri": "https://www.greatsouthernbank.com.au/sof"
    },
    "eligibility": [
      {
        "eligibilityType": "BUSINESS",
        "additionalInfoUri": "https://www.greatsouthernbank.com.au/gitc"
      }
    ],
    "constraints": [
      {
        "constraintType": "MIN_BALANCE",
        "additionalValue": "0.00"
      },
      {
        "constraintType": "OPENING_BALANCE",
        "additionalValue": "1.00"
      }
    ],
    "features": [
      {
        "featureType": "NPP_ENABLED",
        "additionalInfo": "Faster, simpler, smarter payments. Send super-fast payments via online and mobile banking with the New Payments Platform (NPP).",
        "additionalInfoUri": "https://www.greatsouthernbank.com.au/digital-banking"
      },
      {
        "featureType": "NOTIFICATIONS",
        "additionalValue": "SMS and Email Alerts",
        "additionalInfo": "Alerts that will notify you of account and card transactions, as well as online banking activity. Setting alerts can help you identity fraudulent activity on your account, and notify you when funds are deposited or your funds are low.",
        "additionalInfoUri": "https://www.greatsouthernbank.com.au/digital-banking/account-notifications"
      },
      {
        "featureType": "OFFSET",
        "additionalInfo": "Our Mortgage Offset Facility may only be established on qualifying loans.",
        "additionalInfoUri": "https://www.greatsouthernbank.com.au/gitc"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Account Nicknames - Add a personal touch to your personal accounts",
        "additionalInfoUri": "https://www.greatsouthernbank.com.au/digital-banking/online-banking"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Mobile Banking App. For banking on the go, anywhere anytime from the convenience of your phone.",
        "additionalInfoUri": "https://www.greatsouthernbank.com.au/digital-banking/mobile-banking"
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Wherever you are in the world, Great Southern Bank gives you the choice and control to securely manage all of your accounts on a range of devices, the way you want.",
        "additionalInfoUri": "https://www.greatsouthernbank.com.au/digital-banking"
      },
      {
        "featureType": "OVERDRAFT",
        "additionalInfo": "Overdraft Facility. Please contact us for facilities available."
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Apple Pay",
        "additionalInfo": "Pay with your Apple(TM) device using Apple Pay.",
        "additionalInfoUri": "https://www.greatsouthernbank.com.au/digital-banking/apple-pay-everyday"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Google Pay",
        "additionalInfo": "Pay with your NFC capable Android(TM) devices using Google Pay.",
        "additionalInfoUri": "https://www.greatsouthernbank.com.au/digital-banking/google-pay"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Samsung Pay",
        "additionalInfo": "Pay with your Samsung device using Samsung Pay.",
        "additionalInfoUri": "https://www.greatsouthernbank.com.au/digital-banking/samsung-pay"
      },
      {
        "featureType": "CARD_ACCESS",
        "additionalValue": "Visa Debit Card"
      }
    ],
    "fees": [
      {
        "name": "Telegraphic transfer fee within Australia",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "amount": "35.00",
        "currency": "AUD",
        "additionalInfo": "Local telegraphic transfer to an account at a financial institution within Australia. Payable where you request a local telegraphic transfer to an account at a financial institution within Australia.",
        "fixedAmount": {
          "amount": "35.00"
        }
      },
      {
        "name": "Agency withdrawal",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "fixedAmount",
        "amount": "15.00",
        "currency": "AUD",
        "additionalInfo": "Where account holders at another credit union requests that GSB process a withdrawal on their behalf.",
        "fixedAmount": {
          "amount": "15.00"
        }
      },
      {
        "name": "Replacement Visa Debit Card",
        "feeType": "EVENT",
        "feeMethodUType": "variable",
        "amount": "10.00",
        "currency": "AUD",
        "additionalInfo": "Fee applies where a replacement card is requested by a customer.",
        "variable": {}
      },
      {
        "name": "Foreign currency deposit (draft and cheque)",
        "feeType": "DEPOSIT",
        "feeMethodUType": "variable",
        "amount": "15.00",
        "currency": "AUD",
        "additionalInfo": "Charged when you deposit drafts or cheques drawn on an overseas financial institution. Please note that the foreign agent may also charge a fee. Where a single cheque or draft converts to more than AUD $5,000, Western Union Business Solutions charge a handling fee of $65.00.",
        "variable": {}
      },
      {
        "name": "Outward overseas telegraphic transfer in foreign currency (overseas payment) performed by GSB staff",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "amount": "20.00",
        "currency": "AUD",
        "additionalInfo": "Applies when you request that funds (sent in the requested foreign currency) be electronically transferred for credit to another account with an overseas financial institution. Additional fees may be deducted by other financial institutions involved in the transfer. GSB does not have control over these fees.",
        "fixedAmount": {
          "amount": "20.00"
        }
      },
      {
        "name": "Outward overseas telegraphic transfer in foreign currency (overseas payment) performed in Online Banking",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "amount": "0.00",
        "currency": "AUD",
        "additionalInfo": "Applies when you request, via GSB Online Banking, that funds (sent in the requested foreign currency) be electronically transferred for credit to another account with an overseas financial institution. Additional fees may be deducted by other financial institutions involved in the transfer. GSB does not have control over these fees.",
        "fixedAmount": {
          "amount": "0.00"
        }
      },
      {
        "name": "Outward overseas telegraphic transfer in Australian dollars (overseas payment)",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "amount": "50.00",
        "currency": "AUD",
        "additionalInfo": "Applies when you request that funds (sent in AUD) be electronically transferred for credit to another account with an overseas financial institution. Additional fees may be deducted by other financial institutions involved in the transfer. GSB does not have control over these fees.",
        "fixedAmount": {
          "amount": "50.00"
        }
      },
      {
        "name": "Excess coin fee",
        "feeType": "OTHER",
        "feeMethodUType": "variable",
        "currency": "AUD",
        "additionalInfo": "Personal accounts: Free, Business accounts & non-account holders - Under $100: Free, $100 and over: 5% of coin amount. Where coin is deposited or exchanged for notes at a GSB branch.",
        "variable": {}
      },
      {
        "name": "Account Information Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "amount": "20.00",
        "currency": "AUD",
        "additionalInfo": "Account informaton fee is payable when customer request the following:\n- An annual audit certificate on a Great Southern Bank account\n- A copy of a cheque or Visa voucher\n- Personal information, traces, document copies (other than those specified above) and/or information pertaining to an account\nWhere further investigation is required an additional hourly rate of $20 per hour will apply. An estimate of the costs involved will be provided prior to the work being undertaken.",
        "fixedAmount": {
          "amount": "20.00"
        }
      },
      {
        "name": "Other fees",
        "feeType": "EVENT",
        "feeMethodUType": "variable",
        "currency": "AUD",
        "additionalInfo": "All other Great Southern Bank fees are detailed within our Schedule of Fees",
        "additionalInfoUri": "https://www.greatsouthernbank.com.au/sof",
        "variable": {}
      },
      {
        "name": "Arrears Letter Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "amount": "22.00",
        "currency": "AUD",
        "additionalInfo": "Payable where Great Southern Bank sends you a letter in relation to arrears on your account.",
        "fixedAmount": {
          "amount": "22.00"
        }
      },
      {
        "name": "Default Notice Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "amount": "33.00",
        "currency": "AUD",
        "additionalInfo": "Default notice fee is payable where Great Southern Bank sends you a default notice in relation to outstanding arrears on your account.",
        "fixedAmount": {
          "amount": "33.00"
        }
      },
      {
        "name": "Monthly Service Fee",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "amount": "0.00",
        "currency": "AUD",
        "additionalValue": "Monthly",
        "additionalInfo": "$0 monthly account keeping fees",
        "additionalInfoUri": "https://www.greatsouthernbank.com.au/sof",
        "fixedAmount": {
          "amount": "0.00"
        }
      },
      {
        "name": "Overdrawn or Over limit fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "amount": "6.00",
        "currency": "AUD",
        "additionalInfo": "Payable where you exceed the actual balance or authorised limit of your overdraft facility and the debt is caused by a cheque withdrawal or electronic transaction (including ATM, EFTPOS and Bank@Post transactions and Visa purchases).",
        "additionalInfoUri": "https://www.greatsouthernbank.com.au/sof",
        "fixedAmount": {
          "amount": "6.00"
        }
      },
      {
        "name": "Great Southern Bank Branch Deposits",
        "feeType": "TRANSACTION",
        "feeMethodUType": "variable",
        "amount": "0.00",
        "currency": "AUD",
        "variable": {}
      },
      {
        "name": "BPAY",
        "feeType": "TRANSACTION",
        "feeMethodUType": "variable",
        "amount": "0.00",
        "currency": "AUD",
        "additionalInfoUri": "https://www.greatsouthernbank.com.au/sof",
        "variable": {}
      },
      {
        "name": "Visa Domestic (\"press credit\") transaction",
        "feeType": "PURCHASE",
        "feeMethodUType": "fixedAmount",
        "amount": "0.00",
        "currency": "AUD",
        "additionalInfoUri": "https://www.greatsouthernbank.com.au/sof",
        "fixedAmount": {
          "amount": "0.00"
        }
      },
      {
        "name": "Debt Collection Fee",
        "feeType": "EVENT",
        "feeMethodUType": "variable",
        "currency": "AUD",
        "additionalInfo": "Costs incurred in the recovery of outstanding debts vary depending on the nature of the default.  These costs are applied by the Solicitors or independent contractors engaged to undertake action to recover the funds and are debited to the account that is \"out of order\".",
        "variable": {}
      },
      {
        "name": "Cheque service fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "amount": "10.00",
        "currency": "AUD",
        "additionalInfo": "Payable when you request the following: - Purchase of a financial institution cheque;  Stop payment on a lost or stolen cheque; Special clearance on a cheque deposited to a Great Southern Bank account.",
        "fixedAmount": {
          "amount": "10.00"
        }
      },
      {
        "name": "Periodical payment",
        "feeType": "PAYMENT",
        "feeMethodUType": "fixedAmount",
        "amount": "0.00",
        "currency": "AUD",
        "additionalInfoUri": "https://www.greatsouthernbank.com.au/sof",
        "fixedAmount": {
          "amount": "0.00"
        }
      },
      {
        "name": "Cheque",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "variable",
        "amount": "1.50",
        "currency": "AUD",
        "additionalInfoUri": "https://www.greatsouthernbank.com.au/sof",
        "variable": {}
      },
      {
        "name": "Bank@Post",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "variable",
        "amount": "3.00",
        "currency": "AUD",
        "additionalInfoUri": "https://www.greatsouthernbank.com.au/sof",
        "variable": {}
      },
      {
        "name": "Bank@Post Deposit",
        "feeType": "TRANSACTION",
        "feeMethodUType": "variable",
        "amount": "0.00",
        "currency": "AUD",
        "additionalInfoUri": "https://www.greatsouthernbank.com.au/sof",
        "variable": {}
      },
      {
        "name": "eftpos Debit Card International",
        "feeType": "TRANSACTION",
        "feeMethodUType": "variable",
        "currency": "AUD",
        "additionalInfo": "Payable on all transactions made in currencies other than Australian Dollars.",
        "additionalInfoUri": "https://www.greatsouthernbank.com.au/sof",
        "variable": {}
      },
      {
        "name": "Visa Debit International",
        "feeType": "TRANSACTION",
        "feeMethodUType": "variable",
        "currency": "AUD",
        "additionalInfo": "Payable for all of the following transactions made using your Visa Debit Card: • All transactions made overseas, • All transactions in a currency other than Australian dollars, • All transactions made in Australia where the merchant is located overseas, • All transactions made in Australia where the financial institution or entity processing the transaction is located overseas.",
        "additionalInfoUri": "https://www.greatsouthernbank.com.au/sof",
        "variable": {}
      },
      {
        "name": "Direct Debit Dishonour fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "amount": "0.12",
        "currency": "AUD",
        "additionalInfo": "Where an inward direct debit is dishonoured due to insufficient funds being in your account to meet the amount of the debit. This fee does not apply to Everyday Edge.",
        "additionalInfoUri": "https://www.greatsouthernbank.com.au/sof",
        "fixedAmount": {
          "amount": "0.12"
        }
      },
      {
        "name": "Overseas cash withdrawal",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "fixedAmount",
        "amount": "4.50",
        "currency": "AUD",
        "additionalInfo": "Applies to any cash withdrawal transaction made outside Australia.",
        "additionalInfoUri": "https://www.greatsouthernbank.com.au/sof",
        "fixedAmount": {
          "amount": "4.50"
        }
      },
      {
        "name": "Cheque Dishonour fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "amount": "11.00",
        "currency": "AUD",
        "additionalInfo": "Where a cheque written against your account is dishonoured for any reason.",
        "additionalInfoUri": "https://www.greatsouthernbank.com.au/sof",
        "fixedAmount": {
          "amount": "11.00"
        }
      },
      {
        "name": "Great Southern Bank Branch Cash Withdrawals",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "fixedAmount",
        "amount": "2.00",
        "currency": "AUD",
        "fixedAmount": {
          "amount": "2.00"
        }
      },
      {
        "name": "Staff assisted transfer",
        "feeType": "TRANSACTION",
        "feeMethodUType": "variable",
        "amount": "2.00",
        "currency": "AUD",
        "variable": {}
      },
      {
        "name": "eftpos purchases and cash out",
        "feeType": "TRANSACTION",
        "feeMethodUType": "variable",
        "amount": "0.75",
        "currency": "AUD",
        "variable": {}
      },
      {
        "name": "Payments using Online Banking",
        "feeType": "TRANSACTION",
        "feeMethodUType": "variable",
        "amount": "0.00",
        "currency": "AUD",
        "variable": {}
      },
      {
        "name": "Telegraphic Transfer inward",
        "feeType": "OTHER",
        "feeMethodUType": "variable",
        "currency": "AUD",
        "additionalInfo": "Where funds are received via telegraphic transfer for credit to your GSB account, the other financial institutions involved in the transfer may charge a fee, which will be deducted from the amount of transferred funds.",
        "variable": {}
      }
    ],
    "depositRates": [
      {
        "depositRateType": "VARIABLE",
        "rate": "0.00",
        "calculationFrequency": "P1D",
        "applicationFrequency": "P1M",
        "additionalInfo": "There is no interest on this product",
        "applicationType": "PERIODIC"
      }
    ]
  }
}