{
  "source": "https://public.cdr.greater.com.au/cds-au/v1/banking/products/3070",
  "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": "GB",
    "description": "100% offset account linked to packaged variable rate home loan",
    "isTailored": false,
    "lastUpdated": "2026-06-24T14:00:00Z",
    "name": "Ultimate Offset",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "productId": "3070",
    "additionalInformation": {
      "overviewUri": null,
      "termsUri": "https://www.greater.com.au/termsandconditions",
      "eligibilityUri": null,
      "feesAndPricingUri": null,
      "bundleUri": null,
      "additionalOverviewUris": null,
      "additionalTermsUris": null,
      "additionalEligibilityUris": null,
      "additionalFeesAndPricingUris": null,
      "additionalBundleUris": null
    },
    "applicationUri": null,
    "brandName": "Greater Bank",
    "brandGroup": null,
    "cardArt": [
      {
        "imageUri": "https://www.greater.com.au/globalassets/images/gb-cards/gb_visa_debit_card.png",
        "title": "Visa Debit Card",
        "cardScheme": "VISA",
        "cardType": "DEBIT"
      }
    ],
    "effectiveFrom": "2020-06-30T14:00:00Z",
    "effectiveTo": "9999-12-29T13:00:00Z",
    "bundles": null,
    "constraints": [
      {
        "constraintType": "OPENING_BALANCE",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "1.00"
      },
      {
        "constraintType": "MIN_BALANCE",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "1.00"
      }
    ],
    "depositRates": null,
    "eligibility": [
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Must be identifiable in terms of legislative requirements",
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "Australian Residents only"
      },
      {
        "eligibilityType": "NATURAL_PERSON",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null
      }
    ],
    "features": [
      {
        "featureType": "CARD_ACCESS",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "Visa Debit Card",
        "isActivated": "UNKNOWN"
      },
      {
        "featureType": "NPP_PAYID",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null,
        "isActivated": "UNKNOWN"
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null,
        "isActivated": "UNKNOWN"
      },
      {
        "featureType": "NPP_ENABLED",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null,
        "isActivated": "UNKNOWN"
      },
      {
        "featureType": "FRAUD_PROTECTION",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null,
        "isActivated": "UNKNOWN"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalInfo": null,
        "additionalInfoUri": "https://www.greater.com.au/digitalwallet/",
        "additionalValue": "Apple Pay or Google Pay",
        "isActivated": "UNKNOWN"
      },
      {
        "featureType": "NOTIFICATIONS",
        "additionalInfo": "Receive notification from bank of your nominated transactions (e.g. low account balance warning; credits over $500)",
        "additionalInfoUri": null,
        "additionalValue": "SMS or Email",
        "isActivated": "UNKNOWN"
      },
      {
        "featureType": "UNLIMITED_TXNS",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null,
        "isActivated": "UNKNOWN"
      }
    ],
    "fees": [
      {
        "feeType": "PERIODIC",
        "name": "Dormant account fee",
        "additionalInfo": "$15.00 six monthly if an account has no transactions (other than government charges or interest) processed during the preceding 24 months",
        "additionalInfoUri": null,
        "additionalValue": "P6M",
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "15.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "WITHDRAWAL",
        "name": "EasyPay notification fee - Letter",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
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        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "TRANSACTION",
        "name": "SMS alert fee",
        "additionalInfo": "Charged for each SMS alert that is sent to you notifying you of account balances and/or other nominated transactions.",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.20"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Cheque notify fee - Customer Service",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "WITHDRAWAL",
        "name": "Telegraphic transfer - Australian Currency (Outgoing International Payment)",
        "additionalInfo": "When transferring in AUD. Fee is inclusive of $40.00 payable to the product issuer, Convera Australia Pty Ltd.",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "50.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "WITHDRAWAL",
        "name": "EasyPay notification fee - SMS",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.20"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "REPLACEMENT",
        "name": "Replacement card fee ",
        "additionalInfo": "Domestic $7.00",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
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        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "TRANSACTION",
        "name": "Cheque honour fee",
        "additionalInfo": "Charged if we honour a cheque that would otherwise have been dishonoured due to insufficient funds.",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Cheque notify fee - SMS",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.20"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "WITHDRAWAL",
        "name": "Telegraphic transfer - Foreign Currency (Outgoing International Payment)",
        "additionalInfo": "When transferring in a foreign currency. Fee is inclusive of $20.00 payable to the product issuer, Convera Australia Pty Ltd.",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "30.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "TRANSACTION",
        "name": "Bulk coin purchase fee",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "8.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "WITHDRAWAL",
        "name": "EFT transaction fee (RTGS)",
        "additionalInfo": "Applicable when you send an outward RTGS (Real time gross settlement)",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "PURCHASE",
        "name": "Foreign currency conversion fee",
        "additionalInfo": "3.00% of the value of the transaction in AUD debited to your account when you make a transaction in a foreign currency or in AUD when you are outside of Australia; or in Australia where the merchant or financial institution that processes the transaction is located outside of Australia",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "rateBased",
        "fixedAmount": null,
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.0300",
          "accrualFrequency": null,
          "amountRange": null
        },
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "WITHDRAWAL",
        "name": "Bank transfer fee",
        "additionalInfo": "Applicable when receiving an inward RTGS (Real time gross settlement)",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "8.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "DISHONOUR",
        "name": "Dishonour cheque fee",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "15.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "DEPOSIT",
        "name": "Foreign currency deposit fee",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "WITHDRAWAL",
        "name": "Payment service creation fee",
        "additionalInfo": "Charged when a customer requests we create an Easypay or Third Party Payment Service to other than a Greater Bank account.",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "2.50"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "ENQUIRY",
        "name": "Information fee",
        "additionalInfo": "$20.00 plus $1.00 per page",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Cheque copy fee",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "15.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "DISHONOUR",
        "name": "Direct debit dishonour fee",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "8.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "TRANSACTION",
        "name": "Bulk coin purchase fee",
        "additionalInfo": "Existing branch stock 2.00% of total value (minimum $2.00)",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "rateBased",
        "fixedAmount": null,
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.0200",
          "accrualFrequency": null,
          "amountRange": null
        },
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "REPLACEMENT",
        "name": "Replacement card fee",
        "additionalInfo": "International $100.00",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "100.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Stop payment fee",
        "additionalInfo": "Charged to stop payment of a cheque you have drawn or a bank cheque.",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "7.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Unclaimed monies fee",
        "additionalInfo": "Charged if an account had no transactions (other than government charges or interest) processed during the last three years.  ",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "30.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "ENQUIRY",
        "name": "Information fee - Per Page",
        "additionalInfo": "$20.00 plus $1.00 per page",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "1.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      }
    ],
    "lendingRates": null,
    "instalments": null
  }
}