{
  "source": "https://openbank.openbanking.imb.com.au/cds-au/v1/banking/products/OD-50-1",
  "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": "OD-50-1",
    "effectiveFrom": "2021-06-25T00:00:00+10:00",
    "lastUpdated": "2026-05-29T00:00:00+10:00",
    "productCategory": "OVERDRAFTS",
    "name": "Commercial Credit line",
    "description": "IMB’s Commercial Credit Line is a revolving ‘line of credit’ facility designed to give you greater control and flexibility over your finances. You can easily access your credit up to the approved limit at any time you wish.",
    "brand": "IMB Bank",
    "applicationUri": "https://www.imb.com.au/business-banking-loan-enquiry",
    "isTailored": false,
    "cardArt": [
      {
        "title": "IMB Visa Debit Card",
        "imageUri": "https://uploads-ssl.webflow.com/6523c01e3505e25d762e59e6/65f2d0f5b7a422d7192d0726_visadebitcardimage.jpg",
        "cardScheme": "VISA",
        "cardType": "DEBIT"
      },
      {
        "title": "IMB Cashcard",
        "imageUri": "https://cdn.prod.website-files.com/6523c01e3505e25d762e59e6/692e5bdb55d44cfd67399ceb_IMB_Cashcard_FINAL_220913.jpg",
        "cardScheme": "EFTPOS",
        "cardType": "DEBIT"
      }
    ],
    "features": [
      {
        "featureType": "CARD_ACCESS",
        "additionalValue": "IMB Visa Debit Card and Cashcard available ",
        "additionalInfo": "Visa Debit Card is not available to individuals under 15",
        "additionalInfoUri": "https://www.imb.com.au/banking/ways-to-bank/imb-visa-debit-card"
      },
      {
        "featureType": "ADDITIONAL_CARDS",
        "additionalValue": "",
        "additionalInfo": "Account holders may hold both a Visa Debit and Cashcard per eligible account"
      },
      {
        "featureType": "FREE_TXNS_ALLOWANCE",
        "additionalValue": "",
        "additionalInfo": "IMB's Member Transaction Allowance applies to offset transaction fees on this account.",
        "additionalInfoUri": "https://www.imb.com.au/faq/what-is-the-member-transaction-allowance"
      },
      {
        "featureType": "OVERDRAFT"
      },
      {
        "featureType": "REDRAW"
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Internet Banking and Mobile Banking App.",
        "additionalInfoUri": "https://www.imb.com.au/banking/ways-to-bank/mobile-app"
      },
      {
        "featureType": "NPP_PAYID",
        "additionalInfo": "Create a PayID through IMB’s Internet Banking or Mobile Banking App to receive Osko payments.",
        "additionalInfoUri": "https://www.imb.com.au/banking/ways-to-bank/osko"
      },
      {
        "featureType": "NPP_ENABLED",
        "additionalInfo": "This account type is enabled for Osko payments, via the New Payments Platform (NPP). Osko is the faster way to pay or receive money from friends, family and businesses. No more waiting days for money to change hands. Now you can pay and be paid in a matter of seconds",
        "additionalInfoUri": "https://www.imb.com.au/banking/ways-to-bank/osko"
      },
      {
        "featureType": "BILL_PAYMENT",
        "additionalValue": "BPAY",
        "additionalInfo": "BPAY® is an electronic bill payment service, providing a convenient access point for the payment and receipt of consumer bills.",
        "additionalInfoUri": "https://www.imb.com.au/banking/ways-to-bank/bpay"
      },
      {
        "featureType": "NOTIFICATIONS",
        "additionalValue": "IMB Alerts",
        "additionalInfo": "IMB Alerts keep you up to date by sending you SMS or email alerts regarding your banking. Account Alerts help you keep track of your finances and Internet Banking Security Alerts to help keep you safe online. You can register for Alerts in Internet Banking.",
        "additionalInfoUri": "https://www.imb.com.au/banking/ways-to-bank/imb-alerts"
      },
      {
        "featureType": "OTHER",
        "additionalValue": "Direct Debit",
        "additionalInfo": "Direct debit is available on this account type."
      },
      {
        "featureType": "OTHER",
        "additionalValue": "Direct Credit",
        "additionalInfo": "Direct Credit is available on this account type."
      },
      {
        "featureType": "OTHER",
        "additionalValue": "Scheduled Payments",
        "additionalInfo": "Schedule Electronic Funds Transfers or Periodic Payments via internet banking, in branch or telephone banking"
      },
      {
        "featureType": "OTHER",
        "additionalValue": "Electronic Funds Transfer",
        "additionalInfo": "Make and receive Electronic Funds Transfers (EFT) from this account type."
      },
      {
        "featureType": "OTHER",
        "additionalValue": "Bank@post",
        "additionalInfo": "Do your day to day banking with your IMB transaction account at Australia Post Offices where Bank@Post is available.",
        "additionalInfoUri": "https://www.imb.com.au/banking/ways-to-bank/bank-post"
      },
      {
        "featureType": "OTHER",
        "additionalValue": "Branch",
        "additionalInfo": "IMB boasts an extensive branch network throughout the Illawarra, Sydney, NSW South Coast, the ACT and Melbourne.",
        "additionalInfoUri": "https://www.imb.com.au/banking/ways-to-bank/branch"
      },
      {
        "featureType": "OTHER",
        "additionalValue": "Phone Banking Operator Assisted",
        "additionalInfo": "IMB consultants are available Monday to Friday 8am - 8pm and Saturday 9am - 4pm",
        "additionalInfoUri": "https://www.imb.com.au/banking/ways-to-bank/phone-banking"
      },
      {
        "featureType": "OTHER",
        "additionalValue": "Chequebook",
        "additionalInfo": "As of 1 June 2021, IMB will not offer a cheque facility to customers that become Members on or after that date, or to existing Members who have not been issued a cheque facility before that date"
      },
      {
        "featureType": "OTHER",
        "additionalValue": "Split loan",
        "additionalInfo": "Split loan available."
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Apple Pay.",
        "additionalInfo": "Mobile payments are an easy and secure way to pay when you're on the go - using nothing but your phone or smartwatch. To get started, all you need to do is link your IMB Visa Debit Card with your preferred digital wallet.",
        "additionalInfoUri": "https://www.imb.com.au/banking/ways-to-bank/apple-pay"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Google Pay.",
        "additionalInfo": "Mobile payments are an easy and secure way to pay when you're on the go - using nothing but your phone or smartwatch. To get started, all you need to do is link your IMB Visa Debit Card with your preferred digital wallet.",
        "additionalInfoUri": "https://www.imb.com.au/banking/ways-to-bank/google-pay"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Samsung Pay.",
        "additionalInfo": "Mobile payments are an easy and secure way to pay when you're on the go - using nothing but your phone or smartwatch. To get started, all you need to do is link your IMB Visa Debit Card with your preferred digital wallet.",
        "additionalInfoUri": "https://www.imb.com.au/banking/ways-to-bank/samsung-pay"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Garmin Pay.",
        "additionalInfo": "Mobile payments are an easy and secure way to pay when you're on the go - using nothing but your phone or smartwatch. To get started, all you need to do is link your IMB Visa Debit Card with your preferred digital wallet.",
        "additionalInfoUri": "https://www.imb.com.au/banking/ways-to-bank/garmin-pay"
      },
      {
        "featureType": "EXTRA_REPAYMENTS",
        "additionalInfo": "Unrestricted additional repayments"
      },
      {
        "featureType": "OTHER",
        "additionalValue": "PayTo",
        "additionalInfo": "PayTo is available on this account type."
      }
    ],
    "constraints": [
      {
        "constraintType": "MIN_LIMIT",
        "additionalValue": "100000",
        "additionalInfo": "$100,000 if the IMB Commercial Credit Line is opened as a stand-alone product or $20,000 if split with an IMB Commercial Fully Drawn Loan"
      },
      {
        "constraintType": "MAX_LIMIT",
        "additionalValue": "2000000"
      },
      {
        "constraintType": "MIN_LVR",
        "additionalValue": "0"
      },
      {
        "constraintType": "MAX_LVR",
        "additionalValue": "0.8"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "BUSINESS"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Lending criteria, terms and conditions apply"
      }
    ],
    "fees": [
      {
        "name": "Special clearance on cheques",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "16.00"
        },
        "currency": "AUD",
        "additionalInfo": "Maximum charge. Charges either wholly or partly imposed by third parties.",
        "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
      },
      {
        "name": "Monthly Fee",
        "feeType": "PERIODIC",
        "feeMethodUType": "rateBased",
        "rateBased": {
          "rateType": "BALANCE",
          "rate": "0.003",
          "accrualFrequency": "P1M",
          "amountRange": {}
        },
        "currency": "AUD"
      },
      {
        "name": "Application fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "rateBased",
        "rateBased": {
          "rateType": "BALANCE",
          "rate": "0.005",
          "amountRange": {}
        },
        "currency": "AUD",
        "additionalInfo": "Percentage of the facility limit"
      },
      {
        "name": "Phone Banking - Operator Assisted – Purchase Financial Institution Cheque",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "6.00"
        },
        "currency": "AUD",
        "additionalInfo": "Per cheque",
        "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
      },
      {
        "name": "Phone Banking - Operator Assisted – Cheque bill payments",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "6.00"
        },
        "currency": "AUD",
        "additionalInfo": "Per cheque",
        "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
      },
      {
        "name": "Visa Debit Card - International purchase",
        "feeType": "PURCHASE",
        "feeMethodUType": "rateBased",
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.025",
          "amountRange": {
            "feeMinimum": "5.00"
          }
        },
        "currency": "AUD",
        "additionalInfo": "A transaction fee of the higher of $5 or 2.5% is charged for any international purchase made using a Visa Debit Card in: a) a currency other than $AUD (after conversion to $AUD); or b) $AUD (or any other currency) where either the merchant or the entity processing the transaction is located outside Australia. Note: it may not always be clear to you that the merchant or entity processing the transaction is located outside Australia.",
        "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
      },
      {
        "name": "Visa Debit Card - Cash advances (domestic & international)",
        "feeType": "CASH_ADVANCE",
        "feeMethodUType": "rateBased",
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.025",
          "amountRange": {
            "feeMinimum": "5.00"
          }
        },
        "currency": "AUD",
        "additionalInfo": "A transaction fee of the higher of $5 or 2.5% is charged for any cash advance made using a Visa Debit Card in: a) a currency other than $AUD (after conversion to $AUD); or b) $AUD (or any other currency) where either the merchant or the entity processing the transaction is located outside Australia. Note: it may not always be clear to you that the merchant or entity processing the transaction is located outside Australia.",
        "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
      },
      {
        "name": "Phone Banking - Operator Assisted - All other financial transactions",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.50"
        },
        "currency": "AUD",
        "additionalInfo": "Excludes phone enquiry, Cheque withdrawal/cheque bill payment.",
        "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
      },
      {
        "name": "Visa Debit Card - EFTPOS transaction, cash-out & decline",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.85"
        },
        "currency": "AUD",
        "additionalInfo": "Fee payable if the transaction is processed via EFTPOS at the merchant’s election, including contactless Visa debit card transactions.",
        "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
      },
      {
        "name": "Cashcard - EFTPOS transaction, cash-out & decline",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.85"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
      },
      {
        "name": "IMB ATM - Cheque deposit",
        "feeType": "DEPOSIT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "1.00"
        },
        "currency": "AUD",
        "additionalInfo": "Fee applies to each account that a cheque is deposited into. If a cheque deposit is split across multiple accounts, the fee is applied to each account separately.",
        "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
      },
      {
        "name": "IMB ATM - ATM withdrawal (including Visa Debit Card)",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.70"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
      },
      {
        "name": "IMB ATM - balance enquiry or failed transaction",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.25"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
      },
      {
        "name": "IMB ATM - Transfer to an IMB Account",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.25"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
      },
      {
        "name": "Other ATM - International ATM",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "currency": "AUD",
        "additionalInfo": "Direct charge as determined by ATM Operator may also apply",
        "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
      },
      {
        "name": "Over the counter - Cheque deposit",
        "feeType": "DEPOSIT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "1.00"
        },
        "currency": "AUD",
        "additionalInfo": "Fee applies to each account that a cheque is deposited into. If a cheque deposit is split across multiple accounts, the fee is applied to each account separately.",
        "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
      },
      {
        "name": "Over the counter - Branch cash withdrawal",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "2.25"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
      },
      {
        "name": "Over the counter - Transfer to an IMB account",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.50"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
      },
      {
        "name": "Over the counter - BPAY",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.50"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
      },
      {
        "name": "Over the counter - Purchase Financial Institution Cheque",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "6.00"
        },
        "currency": "AUD",
        "additionalInfo": "Per cheque",
        "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
      },
      {
        "name": "Over the counter - Cheque bill payments",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "6.00"
        },
        "currency": "AUD",
        "additionalInfo": "Per cheque",
        "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
      },
      {
        "name": "Over the counter - Single direct credit to another financial institution",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.50"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
      },
      {
        "name": "Over the counter - Scheduled direct credit to another financial institution",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.50"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
      },
      {
        "name": "Other facilities - Direct debit by another institution or entity ",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.50"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
      },
      {
        "name": "Other facilities - Personal cheque withdrawal",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "1.50"
        },
        "currency": "AUD",
        "additionalInfo": "Per cheque",
        "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
      },
      {
        "name": "Other facilities - Cheque deposit",
        "feeType": "DEPOSIT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "1.00"
        },
        "currency": "AUD",
        "additionalInfo": "Fee applies to each account that a cheque is deposited into. If a cheque deposit is split across multiple accounts, the fee is applied to each account separately.",
        "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
      },
      {
        "name": "Other facilities - Scheduled cheque withdrawal",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "6.00"
        },
        "currency": "AUD",
        "additionalInfo": "Per cheque",
        "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
      },
      {
        "name": "Other facilities - Scheduled electronic withdrawal",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.50"
        },
        "currency": "AUD",
        "additionalInfo": "",
        "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
      },
      {
        "name": "Australia Post - Bank@Post withdrawal transaction",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "4.50"
        },
        "currency": "AUD",
        "additionalInfo": "Service availablility is at the discretion of the Australia post outlet",
        "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
      },
      {
        "name": "Australia Post - Bank@Post deposit, enquiry & failed transactions",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "4.50"
        },
        "currency": "AUD",
        "additionalInfo": "Service availablility is at the discretion of the Australia post outlet",
        "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
      },
      {
        "name": "BPAY payment return",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
      },
      {
        "name": "Rejected post-dated BPAY",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
      },
      {
        "name": "Trace on Electronic Debit/Credit",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
      },
      {
        "name": "Default Notice fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "30.00"
        },
        "currency": "AUD",
        "additionalInfo": "A Default Notice fee of $30 will be debited from your deposit account or Personal Credit Line facility, where you are in breach of the PDS and/or the schedule and IMB issues a notice to you demanding monies. Refer to the PDS Member Guide to Transactional Banking for further information.",
        "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
      },
      {
        "name": "Transfers between accounts to cover overdrawn balance",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "15.00"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
      },
      {
        "name": "Stop payment personal cheque",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "15.00"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
      },
      {
        "name": "Copy of personal cheque",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "15.00"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
      },
      {
        "name": "Trace on personal cheque",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "50.00"
        },
        "currency": "AUD",
        "additionalInfo": "Charges either wholly or partly imposed by third parties.",
        "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
      },
      {
        "name": "Card replacement (in excess of 1 p.a.)",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
      },
      {
        "name": "Pin replacement (in excess of 1 p.a.)",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
      },
      {
        "name": "Visa Cardholder Facility Fee",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "1.60"
        },
        "currency": "AUD",
        "additionalValue": "P1M",
        "additionalInfo": "Fee will be charged on the first day of each month for each Visa Card on issue.",
        "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
      },
      {
        "name": "Visa voucher request",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "15.00"
        },
        "currency": "AUD",
        "additionalInfo": "Per request. Charges either wholly or partly imposed by third parties, such as Visa.",
        "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
      },
      {
        "name": "Urgent Visa card mailing",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
      },
      {
        "name": "Overseas Visa card replacement",
        "feeType": "REPLACEMENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "150.00"
        },
        "currency": "AUD",
        "additionalInfo": "Charges either wholly or partly imposed by third parties.",
        "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
      },
      {
        "name": "Transaction Listing - Electronic - up to 10 pages",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "currency": "AUD",
        "additionalInfo": "",
        "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
      },
      {
        "name": "Transaction Listing - Electronic - 10 pages and over",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.50"
        },
        "currency": "AUD",
        "additionalInfo": "Per page",
        "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
      },
      {
        "name": "Copy of withdrawal or deposit form",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "15.00"
        },
        "currency": "AUD",
        "additionalInfo": "",
        "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
      },
      {
        "name": "Recalculation of interest",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "30.00"
        },
        "currency": "AUD",
        "additionalInfo": "Per page",
        "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
      },
      {
        "name": "Research fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "30.00"
        },
        "currency": "AUD",
        "additionalInfo": "Per page",
        "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
      },
      {
        "name": "Retrieval of archived documents",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "currency": "AUD",
        "additionalInfo": "Per page",
        "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
      },
      {
        "name": "Audit Certificate",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "30.00"
        },
        "currency": "AUD",
        "additionalInfo": "Per certificate",
        "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
      },
      {
        "name": "Unclaimed monies/dormant account",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "40.00"
        },
        "currency": "AUD",
        "additionalInfo": "Maximum charge per account",
        "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
      },
      {
        "name": "Bulk coin count",
        "feeType": "DEPOSIT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "currency": "AUD",
        "additionalInfo": "Maximum charge",
        "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
      },
      {
        "name": "Total cash withdrawal over $2,000 in a day",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "rateBased",
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.002",
          "amountRange": {}
        },
        "currency": "AUD",
        "additionalInfo": "A fee of 0.2% of total cash withdrawals is charged for total cash withdrawals over $2000 in a day.",
        "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
      },
      {
        "name": "Manual deposit other institution",
        "feeType": "DEPOSIT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
      },
      {
        "name": "Trace on Financial Institution cheque",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "50.00"
        },
        "currency": "AUD",
        "additionalInfo": "Charges either wholly or partly imposed by third parties.",
        "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
      },
      {
        "name": "Copy of Financial Institution cheque",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "16.00"
        },
        "currency": "AUD",
        "additionalInfo": "Maximum charge. Charges either wholly or partly imposed by third parties.",
        "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
      },
      {
        "name": "Stop payment fee (IMB cheques)",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "12.50"
        },
        "currency": "AUD",
        "additionalInfo": "Maximum charge. Charges either wholly or partly imposed by third parties.",
        "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
      },
      {
        "name": "Foreign cheque conversion (value less than AU$10,000)",
        "feeType": "DEPOSIT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "25.00"
        },
        "currency": "AUD",
        "additionalInfo": "Minimum charge, subject to additional fees and charges. Charges either wholly or partly imposed by third parties",
        "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
      },
      {
        "name": "Foreign cheque conversion (value AU$10,000 and greater)",
        "feeType": "DEPOSIT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "50.00"
        },
        "currency": "AUD",
        "additionalInfo": "Minimum charge, subject to additional fees and charges. Charges either wholly or partly imposed by third parties",
        "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
      },
      {
        "name": "Purchase of foreign currency",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "rateBased",
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.01",
          "amountRange": {
            "feeMinimum": "10.00"
          }
        },
        "currency": "AUD",
        "additionalInfo": "$10 or 1% of the value of the total order (whichever is greater).",
        "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
      },
      {
        "name": "SMS Alerts ",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.25"
        },
        "currency": "AUD",
        "additionalInfo": "Per alert",
        "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
      },
      {
        "name": "Interest statement - Electronic",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "2.50"
        },
        "currency": "AUD",
        "additionalInfo": "Per page",
        "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
      },
      {
        "name": "Default fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "25.00"
        },
        "currency": "AUD",
        "additionalInfo": "When your savings account is overdrawn for 20 days, a Default fee will be debited from your account on the 20th day and a further Default fee debited each month thereafter while your account remains overdrawn.",
        "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
      }
    ],
    "lendingRates": [
      {
        "applicationType": "PERIODIC",
        "lendingRateType": "VARIABLE",
        "rate": "0.0799",
        "repaymentType": "OTHER"
      }
    ]
  }
}