{
  "source": "https://api.macquariebank.io/cds-au/v1/banking/products/BS001MBLBSA001",
  "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": "BS001MBLBSA001",
    "lastUpdated": "2026-06-11T00:01:00.001Z",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "name": "Macquarie Business Savings Account",
    "description": "A high-interest online business savings account with no fees",
    "brand": "Macquarie Bank Limited",
    "isTailored": false,
    "additionalInformation": {
      "eligibilityUri": "https://www.macquarie.com.au/business-banking/business-accounts/savings-account.html",
      "feesAndPricingUri": "https://www.macquarie.com.au/business-banking/business-accounts/savings-account.html",
      "overviewUri": "https://www.macquarie.com.au/business-banking/business-accounts/savings-account.html",
      "termsUri": "https://www.macquarie.com.au/digital-banking/bank-accounts-terms-and-conditions.html"
    },
    "applicationUri": "https://www.macquarie.com.au/business-banking/business-accounts/savings-account.html",
    "brandName": "Macquarie",
    "depositRates": [
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0465",
        "applicationType": "PERIODIC",
        "additionalInfoUri": "https://www.macquarie.com.au/business-banking/business-accounts/savings-account.html#tab-panels-0-interest-rates",
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "tiers": [
          {
            "name": "Base rate 1",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "0.00",
            "maximumValue": "250000.00",
            "rateApplicationMethod": "PER_TIER"
          }
        ]
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0465",
        "applicationType": "PERIODIC",
        "additionalInfoUri": "https://www.macquarie.com.au/business-banking/business-accounts/savings-account.html#tab-panels-0-interest-rates",
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "tiers": [
          {
            "name": "Base rate 2",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "250000.01",
            "maximumValue": "2000000.00",
            "rateApplicationMethod": "PER_TIER"
          }
        ]
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0415",
        "applicationType": "PERIODIC",
        "additionalInfoUri": "https://www.macquarie.com.au/business-banking/business-accounts/savings-account.html#tab-panels-0-interest-rates",
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "tiers": [
          {
            "name": "Base rate 3",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "2000000.01",
            "rateApplicationMethod": "PER_TIER"
          }
        ]
      }
    ],
    "effectiveFrom": "2022-11-28T00:01:00.001Z",
    "eligibility": [
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalInfoUri": "https://www.macquarie.com.au/help/personal/business-savings-account/opening-an-account/opening-a-business-savings-account.html#tab-panels-0-who-can-open-a-business-savings-account-",
        "additionalValue": "An Australian residential address required"
      },
      {
        "eligibilityType": "MIN_AGE",
        "additionalInfo": "Minimum age requirement",
        "additionalInfoUri": "https://www.macquarie.com.au/help/personal/business-savings-account/opening-an-account/opening-a-business-savings-account.html#tab-panels-0-who-can-open-a-business-savings-account-",
        "additionalValue": "15"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Must have an Australian mobile phone number",
        "additionalInfoUri": "https://www.macquarie.com.au/help/personal/business-savings-account/opening-an-account/opening-a-business-savings-account.html#tab-panels-0-who-can-open-a-business-savings-account-"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Must have a valid email address",
        "additionalInfoUri": "https://www.macquarie.com.au/help/personal/business-savings-account/opening-an-account/opening-a-business-savings-account.html#tab-panels-0-who-can-open-a-business-savings-account-"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Only available for eligible businesses. Sole Traders and Australian Propietary Companies",
        "additionalInfoUri": "https://www.macquarie.com.au/help/personal/business-savings-account/opening-an-account/opening-a-business-savings-account.html#tab-panels-0-who-can-open-a-business-savings-account-"
      },
      {
        "eligibilityType": "BUSINESS",
        "additionalInfo": "Must have an ABN",
        "additionalInfoUri": "https://www.macquarie.com.au/help/personal/business-savings-account/opening-an-account/opening-a-business-savings-account.html#tab-panels-0-who-can-open-a-business-savings-account-"
      }
    ],
    "features": [
      {
        "featureType": "BILL_PAYMENT",
        "additionalInfo": "BPAY®-outbound",
        "additionalInfoUri": "https://www.macquarie.com.au/business-banking/business-accounts/savings-account.html#faqs",
        "additionalValue": "BPAY®"
      },
      {
        "featureType": "NPP_ENABLED",
        "additionalInfo": "PayTo",
        "additionalInfoUri": "https://www.macquarie.com.au/help/personal/payments-transfers-and-deposits/payments-and-transfers/making-deposits-and-payments.html"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Pay Anyone Payments",
        "additionalInfoUri": "https://www.macquarie.com.au/business-banking/business-accounts/savings-account.html#faqs"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Direct Credit",
        "additionalInfoUri": "https://www.macquarie.com.au/business-banking/business-accounts/savings-account.html#faqs"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Direct Debit",
        "additionalInfoUri": "https://www.macquarie.com.au/business-banking/business-accounts/savings-account.html#faqs"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Internal Transfer",
        "additionalInfoUri": "https://www.macquarie.com.au/business-banking/business-accounts/savings-account.html#faqs"
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Online Banking",
        "additionalInfoUri": "https://www.macquarie.com.au/business-banking/business-accounts/savings-account.html#tab-panels-0-account-features"
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Mobile Banking",
        "additionalInfoUri": "https://www.macquarie.com.au/business-banking/business-accounts/savings-account.html#tab-panels-0-account-features"
      },
      {
        "featureType": "NOTIFICATIONS",
        "additionalInfoUri": "https://www.macquarie.com.au/digital-banking/macquarie-app.html",
        "additionalValue": "Notifications made available through Online Banking and/or Mobile Banking."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Daily Pay Anyone Payment limit. The $100,000 limit is applicable for customers who use the Macquarie Authenticator App and are registered for Electronic Banking. Otherwise, a default limit of $2,000 will apply.",
        "additionalInfoUri": "https://www.macquarie.com.au/business-banking/business-accounts/savings-account.html#tab-panels-0-transaction-limits"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Daily PayID Payment sub-limit. The $10,000 limit operates as a sub-limit of the daily Pay Anyone limit.",
        "additionalInfoUri": "https://www.macquarie.com.au/business-banking/business-accounts/savings-account.html#tab-panels-0-transaction-limits"
      },
      {
        "featureType": "NPP_ENABLED",
        "additionalInfo": "PayID®",
        "additionalInfoUri": "https://www.macquarie.com.au/business-banking/business-accounts/savings-account.html#faqs"
      }
    ],
    "fees": [
      {
        "name": "Online Payments",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "additionalInfo": "We don't charge Transaction or Online Payment Fees.",
        "additionalInfoUri": "https://www.macquarie.com.au/business-banking/business-accounts/savings-account.html",
        "currency": "AUD",
        "fixedAmount": {
          "amount": "0.00"
        }
      },
      {
        "name": "Monthly account fees",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "additionalInfo": "We don't charge Monthly account fees",
        "additionalInfoUri": "https://www.macquarie.com.au/business-banking/business-accounts/savings-account.html",
        "additionalValue": "P1M",
        "currency": "AUD",
        "fixedAmount": {
          "amount": "0.00"
        }
      }
    ]
  }
}