{
  "source": "https://public.cdr.mystate.com.au/cds-au/v1/banking/products/587ef585-7b27-49aa-8ef7-887a96e92005",
  "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": "MYSTATE",
    "description": "A Business Online Saver bank account is a great way to generate income by investing surplus funds without locking your money away for a set period. With no monthly account keeping fees and convenient access to your bank account 24/7 via Phone and Internet Banking, this savings and investment bank account is the ideal way to manage your business banking needs.\n",
    "isTailored": false,
    "lastUpdated": "2026-06-18T04:17:03.612996Z",
    "name": "Business Online Saver",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "productId": "587ef585-7b27-49aa-8ef7-887a96e92005",
    "additionalInformation": {
      "overviewUri": "https://mystate.com.au/business/savings-investments/business-online-saver/",
      "termsUri": "https://mystate.com.au/legal/",
      "eligibilityUri": "https://mystate.com.au/legal/",
      "feesAndPricingUri": "https://mystate.com.au/legal/",
      "bundleUri": null,
      "additionalOverviewUris": null,
      "additionalTermsUris": null,
      "additionalEligibilityUris": null,
      "additionalFeesAndPricingUris": null,
      "additionalBundleUris": null
    },
    "applicationUri": null,
    "brandName": "My State PM Production",
    "cardArt": [],
    "effectiveFrom": null,
    "effectiveTo": null,
    "bundles": [],
    "constraints": [
      {
        "constraintType": "MAX_BALANCE",
        "additionalInfo": "Business Online Saver maximum balance per customer $1,000,000 and may be changed by us.",
        "additionalInfoUri": "https://mystate.com.au/legal/",
        "additionalValue": "1000000.00"
      }
    ],
    "depositRates": [
      {
        "depositRateType": "VARIABLE",
        "rate": "0.00",
        "additionalInfo": "Tiered interest rate is calculated on the credit balance of the account with the highest rate paid on the whole balance.",
        "additionalInfoUri": "https://mystate.com.au/wp-content/uploads/rates_business_savings.pdf",
        "additionalValue": null,
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "tiers": [
          {
            "minimumValue": 0,
            "name": "Balance",
            "unitOfMeasure": "DOLLAR",
            "additionalInfo": null,
            "additionalInfoUri": null,
            "applicabilityConditions": null,
            "maximumValue": 9999.99,
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ]
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.006",
        "additionalInfo": "Tiered interest rate is calculated on the credit balance of the account with the highest rate paid on the whole balance.",
        "additionalInfoUri": "https://mystate.com.au/wp-content/uploads/rates_business_savings.pdf",
        "additionalValue": null,
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "tiers": [
          {
            "minimumValue": 10000,
            "name": "Balance",
            "unitOfMeasure": "DOLLAR",
            "additionalInfo": null,
            "additionalInfoUri": null,
            "applicabilityConditions": null,
            "maximumValue": null,
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ]
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "BUSINESS",
        "additionalInfo": "Require a linked MyState business transaction account.",
        "additionalInfoUri": "https://mystate.com.au/legal/",
        "additionalValue": null
      }
    ],
    "features": [
      {
        "featureType": "NPP_ENABLED",
        "additionalInfo": "Send and receive money in less than 60 seconds.",
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "featureType": "NPP_PAYID",
        "additionalInfo": "Send and receive money in less than 60 seconds. Add your mobile number or email address as a PayID and use this in place of your BSB and Account number.",
        "additionalInfoUri": null,
        "additionalValue": null
      }
    ],
    "fees": [
      {
        "feeType": "EVENT",
        "name": "Transaction Trace Fee",
        "accrualFrequency": null,
        "accruedRate": null,
        "additionalInfo": "Per Transaction or Trace Search   ",
        "additionalInfoUri": "https://mystate.com.au/wp-content/uploads/fees_savings.pdf",
        "additionalValue": null,
        "amount": "15.00",
        "balanceRate": null,
        "currency": "AUD",
        "discounts": [],
        "transactionRate": null
      },
      {
        "feeType": "EVENT",
        "name": "Transaction Verification Fee, Copy of Sales Voucher",
        "accrualFrequency": null,
        "accruedRate": null,
        "additionalInfo": "Charged when we are requested to investigate a\n transaction. The fee will not be charged if we find that the transaction is incorrect.",
        "additionalInfoUri": "https://www.mystate.com.au/Portals/0/documents/legal/fees_savings.pdf",
        "additionalValue": null,
        "amount": "15.00",
        "balanceRate": null,
        "currency": "AUD",
        "discounts": [],
        "transactionRate": null
      },
      {
        "feeType": "PURCHASE",
        "name": "Foreign Currency Conversion",
        "accrualFrequency": null,
        "accruedRate": null,
        "additionalInfo": "Visa International will convert all transactions made in \nforeign currency or processed overseas on the Visa Debit \nCard into Australian dollars at the foreign exchange rate \nthat applies on the day the transaction is processed by \nVisa International.\nA Foreign Currency Conversion fee is payable for all of the \nfollowing transactions made using your Visa Debit Card: \n» All transactions made overseas \n» All transactions in a currency other than Australian \ndollars \n» All transactions made in Australia where the merchant is \nlocated overseas \n» All transactions made in Australia where the financial \ninstitution or entity processing the transaction is located \noverseas.\nTransactions may not be processed to your account on the \nsame day. To the extent permitted by law, you bear the risk \nof change in exchange rates in the intervening period.\nRefunds in currencies other than Australian dollars are \nconverted to Australian dollars as at the date they are \nprocessed by Visa using exchange rates determined by \nthem. This may lead to the refund being converted using \nan exchange rate different from the one used to convert the \noriginal purchase. The foreign currency conversion fee is \nnot refundable as the fee is applied for facilitating the initial \ntransaction.\n\nA conversion fee of 3% of the value of the transaction is payable (of which 2% is payable to Cuscal Limited, the principal member of Visa International under which we provide Visa Debit Cards).",
        "additionalInfoUri": "https://www.mystate.com.au/Portals/0/documents/legal/fees_savings.pdf",
        "additionalValue": null,
        "amount": null,
        "balanceRate": null,
        "currency": "AUD",
        "discounts": [],
        "transactionRate": "0.000325"
      },
      {
        "feeType": "EVENT",
        "name": "Overdrawn Account Interest",
        "accrualFrequency": "P1M",
        "accruedRate": null,
        "additionalInfo": "Deposit accounts without overdraft arrangements must have a credit balance. We are under no obligation to honour cheques, or allow any withdrawal that would overdraw an\n\naccount without an approved overdraft facility.\n\nIf we honour a cheque or debit which overdraws an account, the amount overdrawn (referred to as the credit provided will attract debit interest charged to the account on the last\n day of the calendar month. This interest which\n will be charged to your account as 'Overdraft Interest' is calculated on the daily closing debit balance using the current 'Unarranged Borrowing Rate'. Please refer to our\n\nInterest Rates for Household and Personal Lending brochure available from any branch or by contacting the Customer Care for the current 'Unarranged Borrowing Rate'. Any credit provided is short term credit and must be repaid\n\nwithin 7 days of being provided. In addition, Overdrawn Administration Fees will be applied.",
        "additionalInfoUri": "https://www.mystate.com.au/Portals/0/documents/interest-rates/rates_lending.pdf",
        "additionalValue": null,
        "amount": null,
        "balanceRate": "0.001395",
        "currency": "AUD",
        "discounts": [],
        "transactionRate": null
      }
    ],
    "lendingRates": []
  }
}