{
  "source": "https://openbank.openbanking.imb.com.au/cds-au/v1/banking/products/RTA-16-1",
  "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": "RTA-16-1",
    "effectiveFrom": "2021-06-25T00:00:00+10:00",
    "lastUpdated": "2026-03-04T10:00:00+11:00",
    "productCategory": "REGULATED_TRUST_ACCOUNTS",
    "name": "Real Estate Trust Account",
    "description": "Real Estate Trust Account allow funds to be held by a registered real estate agent for purchases or rental deposits i.e.holding a deposit for a property until settlement or for holding the deposit of rental payments until paid to the landlord.",
    "brand": "IMB Bank",
    "applicationUri": "https://www.imb.com.au/business-banking-loan-enquiry",
    "isTailored": false,
    "features": [
      {
        "featureType": "UNLIMITED_TXNS"
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Internet Banking and Mobile Banking App.",
        "additionalInfoUri": "https://www.imb.com.au/banking/ways-to-bank/mobile-app"
      },
      {
        "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": "Electronic Funds Transfer",
        "additionalInfo": "Make and receive Electronic Funds Transfers (EFT) from this account type."
      },
      {
        "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": "PayTo",
        "additionalInfo": "PayTo is available on this account type."
      },
      {
        "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"
      }
    ],
    "constraints": [
      {
        "constraintType": "OPENING_BALANCE",
        "additionalValue": "1"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "BUSINESS"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Available only to registered real estate agents"
      }
    ],
    "fees": [
      {
        "name": "Transaction Listing - Electronic - up to 10 pages",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://www.imb.com.au/members-important-information.html"
      },
      {
        "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": "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 - 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"
      }
    ]
  }
}