{
  "source": "https://openbank.newcastlepermanent.com.au/cds-au/v1/banking/products/AC_smartsaver",
  "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_smartsaver",
    "effectiveFrom": "2017-02-25T13:00:00.000+11:00",
    "effectiveTo": "9999-12-29T13:00:00.000+11:00",
    "lastUpdated": "2026-06-24T14:00:00.000+10:00",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "name": "Smart Saver Account",
    "description": "This savings account is designed to help members reach their savings goals.",
    "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/saving-accounts/smart-saver-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": "DIGITAL_BANKING",
        "additionalInfo": "Internet Banking and Mobile Banking",
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/tools-and-services/digital-banking"
      },
      {
        "featureType": "UNLIMITED_TXNS",
        "additionalInfo": "Unlimited free BPay, Visa Debit card purchase (when pressing the credit button), eftpos, Automatic transfers, and Internet banking transactions (branch transactions not included). Subject to amount limits."
      },
      {
        "featureType": "BILL_PAYMENT",
        "additionalValue": "BPAY View"
      },
      {
        "featureType": "NPP_ENABLED",
        "additionalInfo": "OSKO",
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/osko-and-payid"
      },
      {
        "featureType": "FREE_TXNS",
        "additionalValue": "2",
        "additionalInfo": "2 free branch withdrawals per month."
      },
      {
        "featureType": "CARD_ACCESS",
        "additionalValue": "Visa Debit Card",
        "additionalInfo": "Visa Debit Cards are only available for accounts opened pre-1 May 2024.",
        "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": "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": "MIN_AGE",
        "additionalValue": "25",
        "additionalInfo": "At least one account holder must be 25 years of age or older at the date of opening"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "Available to permanent Australian Residents "
      },
      {
        "eligibilityType": "NATURAL_PERSON",
        "additionalInfo": "This account is for personal use by individuals including for Trusts and Self-Managed Superannuation Funds (SMSF) with personal trustees."
      }
    ],
    "fees": [
      {
        "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": "Document and Miscellaneous Service",
        "feeType": "ENQUIRY",
        "currency": "AUD",
        "additionalInfo": " $60/hour (min $10/copy)",
        "feeCap": "0.0000",
        "feeCapPeriod": "",
        "variable": {},
        "feeMethodUType": "variable",
        "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": "Real Time Gross Settlements (RTGS) - Outward NPBS fee",
        "feeType": "WITHDRAWAL",
        "currency": "AUD",
        "feeCap": "0.0000",
        "feeCapPeriod": "",
        "fixedAmount": {
          "amount": "30.00"
        },
        "feeMethodUType": "fixedAmount",
        "discounts": []
      },
      {
        "name": "Account Overdrawn",
        "feeType": "EVENT",
        "currency": "AUD",
        "fixedAmount": {
          "amount": "5.00"
        },
        "feeMethodUType": "fixedAmount",
        "discounts": []
      },
      {
        "name": "Card Replacement Overseas",
        "feeType": "REPLACEMENT",
        "currency": "AUD",
        "feeCap": "0.0000",
        "feeCapPeriod": "",
        "fixedAmount": {
          "amount": "100.00"
        },
        "feeMethodUType": "fixedAmount",
        "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": "Foreign Currency Conversion",
        "feeType": "PURCHASE",
        "currency": "AUD",
        "feeCap": "0.0000",
        "feeCapPeriod": "",
        "rateBased": {
          "rate": "0.0300",
          "rateType": "TRANSACTION"
        },
        "feeMethodUType": "rateBased",
        "discounts": []
      },
      {
        "name": "Visa Cash Advance",
        "feeType": "CASH_ADVANCE",
        "currency": "AUD",
        "feeCap": "0.0000",
        "feeCapPeriod": "",
        "fixedAmount": {
          "amount": "5.00"
        },
        "feeMethodUType": "fixedAmount",
        "discounts": []
      },
      {
        "name": "Financial Institution Cheque",
        "feeType": "WITHDRAWAL",
        "currency": "AUD",
        "fixedAmount": {
          "amount": "10.00"
        },
        "feeMethodUType": "fixedAmount",
        "discounts": []
      },
      {
        "name": "Financial Institution Cheque Replacement",
        "feeType": "REPLACEMENT",
        "currency": "AUD",
        "feeCap": "0.0000",
        "feeCapPeriod": "",
        "fixedAmount": {
          "amount": "15.00"
        },
        "feeMethodUType": "fixedAmount",
        "discounts": []
      },
      {
        "name": "Branch Withdrawal",
        "feeType": "WITHDRAWAL",
        "currency": "AUD",
        "additionalInfo": "2 free Branch Withdrawals per month",
        "fixedAmount": {
          "amount": "3.00"
        },
        "feeMethodUType": "fixedAmount",
        "discounts": []
      }
    ],
    "depositRates": [
      {
        "depositRateType": "BONUS",
        "rate": "0.0445000000",
        "calculationFrequency": "P1D",
        "applicationFrequency": "P1M",
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/tools-and-services/interest-rates",
        "applicationType": "PERIODIC",
        "applicabilityConditions": [
          {
            "additionalInfo": "To qualify for bonus interest, you must grow your balance by any amount (excluding interest earned) from the first to the last day of the month and make no more than 2 withdrawals within the calendar month. If an account is closed, no bonus interest will be payable for the month of closure.",
            "additionalInfoUri": "",
            "rateApplicabilityType": "MAX_WITHDRAWALS",
            "additionalValue": "2"
          },
          {
            "additionalInfo": "To qualify for bonus interest, you must grow your balance by any amount (excluding interest earned) from the first to the last day of the month and make no more than 2 withdrawals within the calendar month. If an account is closed, no bonus interest will be payable for the month of closure.",
            "additionalInfoUri": "",
            "rateApplicabilityType": "DEPOSIT_BALANCE_INCREASED",
            "additionalValue": "0.01"
          }
        ],
        "tiers": [
          {
            "name": "$100000 - $250000",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "100000.00000",
            "maximumValue": "250000.00000",
            "rateApplicationMethod": "PER_TIER",
            "applicabilityConditions": []
          }
        ]
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0005000000",
        "calculationFrequency": "P1D",
        "applicationFrequency": "P1M",
        "additionalInfo": "Standard interest is earned every calendar month that your smart saver account has maintained a positive balance. The standard variable rate applies to your entire balance, regardless of if the bonus conditions are met.",
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/tools-and-services/interest-rates",
        "applicationType": "PERIODIC",
        "applicabilityConditions": [],
        "tiers": [
          {
            "name": "Entire Balance",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "0.00000",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "applicabilityConditions": []
          }
        ]
      },
      {
        "depositRateType": "BONUS",
        "rate": "0.0445000000",
        "calculationFrequency": "P1D",
        "applicationFrequency": "P1M",
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/tools-and-services/interest-rates",
        "applicationType": "PERIODIC",
        "applicabilityConditions": [
          {
            "additionalInfo": "To qualify for bonus interest, you must grow your balance by any amount (excluding interest earned) from the first to the last day of the month and make no more than 2 withdrawals within the calendar month. If an account is closed, no bonus interest will be payable for the month of closure.",
            "additionalInfoUri": "",
            "rateApplicabilityType": "DEPOSIT_BALANCE_INCREASED",
            "additionalValue": "0.01"
          },
          {
            "additionalInfo": "To qualify for bonus interest, you must grow your balance by any amount (excluding interest earned) from the first to the last day of the month and make no more than 2 withdrawals within the calendar month. If an account is closed, no bonus interest will be payable for the month of closure.",
            "additionalInfoUri": "",
            "rateApplicabilityType": "MAX_WITHDRAWALS",
            "additionalValue": "2"
          }
        ],
        "tiers": [
          {
            "name": "$50000 - $100000",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "50000.00000",
            "maximumValue": "100000.00000",
            "rateApplicationMethod": "PER_TIER",
            "applicabilityConditions": []
          }
        ]
      },
      {
        "depositRateType": "BONUS",
        "rate": "0.0445000000",
        "calculationFrequency": "P1D",
        "applicationFrequency": "P1M",
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/tools-and-services/interest-rates",
        "applicationType": "PERIODIC",
        "applicabilityConditions": [
          {
            "additionalInfo": "To qualify for bonus interest, you must grow your balance by any amount (excluding interest earned) from the first to the last day of the month and make no more than 2 withdrawals within the calendar month. If an account is closed, no bonus interest will be payable for the month of closure.",
            "additionalInfoUri": "",
            "rateApplicabilityType": "DEPOSIT_BALANCE_INCREASED",
            "additionalValue": "0.01"
          },
          {
            "additionalInfo": "To qualify for bonus interest, you must grow your balance by any amount (excluding interest earned) from the first to the last day of the month and make no more than 2 withdrawals within the calendar month. If an account is closed, no bonus interest will be payable for the month of closure.",
            "additionalInfoUri": "",
            "rateApplicabilityType": "MAX_WITHDRAWALS",
            "additionalValue": "2"
          }
        ],
        "tiers": [
          {
            "name": "$250000 +",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "250000.00000",
            "rateApplicationMethod": "PER_TIER",
            "applicabilityConditions": []
          }
        ]
      },
      {
        "depositRateType": "BONUS",
        "rate": "0.0445000000",
        "calculationFrequency": "P1D",
        "applicationFrequency": "P1M",
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/tools-and-services/interest-rates",
        "applicationType": "PERIODIC",
        "applicabilityConditions": [
          {
            "additionalInfo": "To qualify for bonus interest, you must grow your balance by any amount (excluding interest earned) from the first to the last day of the month and make no more than 2 withdrawals within the calendar month. If an account is closed, no bonus interest will be payable for the month of closure.",
            "additionalInfoUri": "",
            "rateApplicabilityType": "DEPOSIT_BALANCE_INCREASED",
            "additionalValue": "0.01"
          },
          {
            "additionalInfo": "To qualify for bonus interest, you must grow your balance by any amount (excluding interest earned) from the first to the last day of the month and make no more than 2 withdrawals within the calendar month. If an account is closed, no bonus interest will be payable for the month of closure.",
            "additionalInfoUri": "",
            "rateApplicabilityType": "MAX_WITHDRAWALS",
            "additionalValue": "2"
          }
        ],
        "tiers": [
          {
            "name": "$0 - $50000",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "0.00000",
            "maximumValue": "50000.00000",
            "rateApplicationMethod": "PER_TIER",
            "applicabilityConditions": []
          }
        ]
      }
    ],
    "lendingRates": [],
    "isTailored": false
  }
}