{
  "source": "https://openbank.newcastlepermanent.com.au/cds-au/v1/banking/products/AC_everydayoffset100",
  "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": "AC_everydayoffset100",
    "effectiveFrom": "2011-03-14T13:00:00.000+11:00",
    "effectiveTo": "9999-12-29T13:00:00.000+11:00",
    "lastUpdated": "2026-06-25T14:00:00.000+10:00",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "name": "Everyday Account with 100pc interest offset",
    "description": "A flexible everyday account designed to help make banking easier offering a wide range of transactional facilities and unlimited free everyday transactions.",
    "brand": "NPBS",
    "brandName": "Newcastle Permanent Building Society",
    "applicationUri": "https://www.newcastlepermanent.com.au/tools-and-services/apply-for-a-product",
    "additionalInformation": {
      "overviewUri": "https://www.newcastlepermanent.com.au/personal/everyday-banking/everyday-account",
      "termsUri": "https://www.newcastlepermanent.com.au/tools-and-services/terms-and-conditions",
      "eligibilityUri": "https://www.newcastlepermanent.com.au/tools-and-services/terms-and-conditions",
      "feesAndPricingUri": "https://www.newcastlepermanent.com.au/tools-and-services/terms-and-conditions"
    },
    "bundles": [],
    "features": [
      {
        "featureType": "NPP_ENABLED",
        "additionalInfo": "OSKO",
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/osko-and-payid"
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Internet Banking and Mobile Banking",
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/tools-and-services/digital-banking"
      },
      {
        "featureType": "BILL_PAYMENT",
        "additionalValue": "BPAY View"
      },
      {
        "featureType": "CARD_ACCESS",
        "additionalValue": "Option of Visa Debit Card OR cashcard",
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/tools-and-services/accessing-your-money"
      },
      {
        "featureType": "NPP_PAYID",
        "additionalInfo": "OSKO",
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/osko-and-payid"
      },
      {
        "featureType": "UNLIMITED_TXNS",
        "additionalInfo": "Unlimited free everyday transactions for: Automatic Transfers, Direct Debit Request, Internet banking, ATM Withdrawal (NP), BPAY, Visa Debit card purchase (when pressing the credit button), EFTPOS, Cheque Clearance, and Branch Withdrawal. Subject to amount limits."
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Google Pay",
        "additionalInfo": "Available for Visa cards only.",
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/tools-and-services/mobile-payments"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Apple Pay",
        "additionalInfo": "Available for Visa cards only.",
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/tools-and-services/mobile-payments"
      }
    ],
    "constraints": [],
    "eligibility": [
      {
        "eligibilityType": "NATURAL_PERSON",
        "additionalInfo": "This account is for personal use by individuals (no age restrictions apply) including for Trusts and Self-Managed Superannuation Funds (SMSF) with personal trustees."
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "Available to permanent Australian Residents "
      }
    ],
    "fees": [
      {
        "name": "Financial Institution Cheque Replacement",
        "feeType": "REPLACEMENT",
        "currency": "AUD",
        "feeCap": "0.0000",
        "feeCapPeriod": "",
        "fixedAmount": {
          "amount": "15.00"
        },
        "feeMethodUType": "fixedAmount",
        "discounts": []
      },
      {
        "name": "Real Time Gross Settlements (RTGS) - Inward NPBS fee",
        "feeType": "DEPOSIT",
        "currency": "AUD",
        "feeCap": "0.0000",
        "feeCapPeriod": "",
        "fixedAmount": {
          "amount": "12.00"
        },
        "feeMethodUType": "fixedAmount",
        "discounts": []
      },
      {
        "name": "Visa Cash Advance",
        "feeType": "CASH_ADVANCE",
        "currency": "AUD",
        "feeCap": "0.0000",
        "feeCapPeriod": "",
        "fixedAmount": {
          "amount": "5.00"
        },
        "feeMethodUType": "fixedAmount",
        "discounts": []
      },
      {
        "name": "Foreign Currency Conversion",
        "feeType": "PURCHASE",
        "currency": "AUD",
        "feeCap": "0.0000",
        "feeCapPeriod": "",
        "rateBased": {
          "rate": "0.0300",
          "rateType": "TRANSACTION"
        },
        "feeMethodUType": "rateBased",
        "discounts": []
      },
      {
        "name": "Document and Miscellaneous Service",
        "feeType": "ENQUIRY",
        "currency": "AUD",
        "additionalInfo": " $60/hour (min $10/copy)",
        "feeCap": "0.0000",
        "feeCapPeriod": "",
        "variable": {},
        "feeMethodUType": "variable",
        "discounts": []
      },
      {
        "name": "Real Time Gross Settlements (RTGS) - Outward Third party financial institution fee",
        "feeType": "WITHDRAWAL",
        "currency": "AUD",
        "additionalInfo": "Unascertainable",
        "feeCap": "0.0000",
        "feeCapPeriod": "",
        "variable": {},
        "feeMethodUType": "variable",
        "discounts": []
      },
      {
        "name": "Card Replacement Overseas",
        "feeType": "REPLACEMENT",
        "currency": "AUD",
        "feeCap": "0.0000",
        "feeCapPeriod": "",
        "fixedAmount": {
          "amount": "100.00"
        },
        "feeMethodUType": "fixedAmount",
        "discounts": []
      },
      {
        "name": "Dishonour (Direct Debit and Cheque)",
        "feeType": "DISHONOUR",
        "currency": "AUD",
        "feeCap": "0.0000",
        "feeCapPeriod": "",
        "fixedAmount": {
          "amount": "9.00"
        },
        "feeMethodUType": "fixedAmount",
        "discounts": []
      },
      {
        "name": "Real Time Gross Settlements (RTGS) - Inward Third party financial institution fee",
        "feeType": "DEPOSIT",
        "currency": "AUD",
        "additionalInfo": "Unascertainable",
        "feeCap": "0.0000",
        "feeCapPeriod": "",
        "variable": {},
        "feeMethodUType": "variable",
        "discounts": []
      },
      {
        "name": "Account Overdrawn",
        "feeType": "EVENT",
        "currency": "AUD",
        "fixedAmount": {
          "amount": "5.00"
        },
        "feeMethodUType": "fixedAmount",
        "discounts": []
      },
      {
        "name": "Real Time Gross Settlements (RTGS) - Outward NPBS fee",
        "feeType": "WITHDRAWAL",
        "currency": "AUD",
        "feeCap": "0.0000",
        "feeCapPeriod": "",
        "fixedAmount": {
          "amount": "30.00"
        },
        "feeMethodUType": "fixedAmount",
        "discounts": []
      },
      {
        "name": "Financial Institution Cheque",
        "feeType": "WITHDRAWAL",
        "currency": "AUD",
        "fixedAmount": {
          "amount": "10.00"
        },
        "feeMethodUType": "fixedAmount",
        "discounts": []
      }
    ],
    "depositRates": [
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0000000000",
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "applicabilityConditions": [],
        "tiers": [
          {
            "name": "Entire balance",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "0.00000",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "applicabilityConditions": []
          }
        ]
      }
    ],
    "lendingRates": [],
    "isTailored": false
  }
}