{
  "source": "https://openbank.newcastlepermanent.com.au/cds-au/v1/banking/products/AC_specialmonthlyinterest",
  "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_specialmonthlyinterest",
    "effectiveFrom": "1996-06-21T14:00:00.000+10:00",
    "effectiveTo": "9999-12-29T13:00:00.000+11:00",
    "lastUpdated": "2026-06-24T14:00:00.000+10:00",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "name": "Special Monthly Interest ",
    "description": "A flexible everyday account specially designed for pensioners and retirees offering the peace of mind knowing their retirement savings or pension income is working hard and earning interest.",
    "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/special-monthly-interest-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": "BILL_PAYMENT",
        "additionalValue": "BPAY View"
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Internet Banking and Mobile Banking",
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/tools-and-services/digital-banking"
      },
      {
        "featureType": "NPP_ENABLED",
        "additionalInfo": "OSKO",
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/osko-and-payid"
      },
      {
        "featureType": "FREE_TXNS",
        "additionalValue": "6",
        "additionalInfo": "6 free branch transactions per month. Additional free transactions may apply (up to a maximum of 30 per month), based on account balance and/or automatic transfers in place."
      },
      {
        "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": "NPP_PAYID",
        "additionalInfo": "OSKO",
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/osko-and-payid"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Apple Pay",
        "additionalInfo": "Available for Visa cards only.",
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/tools-and-services/mobile-payments"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Google Pay",
        "additionalInfo": "Available for Visa cards only.",
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/tools-and-services/mobile-payments"
      },
      {
        "featureType": "CARD_ACCESS",
        "additionalValue": "Option of Visa Debit Card"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Cheque book available (must be 18+)."
      }
    ],
    "constraints": [],
    "eligibility": [
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "Available to permanent Australian Residents "
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Must be 55 years of age or over; receiving an eligible government pension; or a Member of the Association of Independent Retirees."
      },
      {
        "eligibilityType": "NATURAL_PERSON",
        "additionalInfo": "This account is for personal use by individuals "
      }
    ],
    "fees": [
      {
        "name": "Foreign Currency Conversion",
        "feeType": "PURCHASE",
        "currency": "AUD",
        "feeCap": "0.0000",
        "feeCapPeriod": "",
        "rateBased": {
          "rate": "0.0300",
          "rateType": "TRANSACTION"
        },
        "feeMethodUType": "rateBased",
        "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": "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": "Visa Cash Advance",
        "feeType": "CASH_ADVANCE",
        "currency": "AUD",
        "feeCap": "0.0000",
        "feeCapPeriod": "",
        "fixedAmount": {
          "amount": "5.00"
        },
        "feeMethodUType": "fixedAmount",
        "discounts": []
      },
      {
        "name": "Financial Institution Cheque Replacement",
        "feeType": "REPLACEMENT",
        "currency": "AUD",
        "feeCap": "0.0000",
        "feeCapPeriod": "",
        "fixedAmount": {
          "amount": "15.00"
        },
        "feeMethodUType": "fixedAmount",
        "discounts": []
      },
      {
        "name": "Dishonour (Direct Debit and Cheque)",
        "feeType": "DISHONOUR",
        "currency": "AUD",
        "feeCap": "0.0000",
        "feeCapPeriod": "",
        "fixedAmount": {
          "amount": "9.00"
        },
        "feeMethodUType": "fixedAmount",
        "discounts": []
      },
      {
        "name": "Cheque Clearance",
        "feeType": "DEPOSIT",
        "currency": "AUD",
        "feeCap": "0.0000",
        "feeCapPeriod": "",
        "fixedAmount": {
          "amount": "0.50"
        },
        "feeMethodUType": "fixedAmount",
        "discounts": []
      },
      {
        "name": "Card Replacement Overseas",
        "feeType": "REPLACEMENT",
        "currency": "AUD",
        "feeCap": "0.0000",
        "feeCapPeriod": "",
        "fixedAmount": {
          "amount": "100.00"
        },
        "feeMethodUType": "fixedAmount",
        "discounts": []
      },
      {
        "name": "Branch Withdrawal",
        "feeType": "WITHDRAWAL",
        "currency": "AUD",
        "additionalInfo": "6 free Branch Withdrawals per month. Can qualify for additional free transactions (up to 30) as per the product schedule.",
        "fixedAmount": {
          "amount": "3.00"
        },
        "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": "Account Overdrawn",
        "feeType": "EVENT",
        "currency": "AUD",
        "fixedAmount": {
          "amount": "5.00"
        },
        "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": "Financial Institution Cheque Fee",
        "feeType": "WITHDRAWAL",
        "currency": "AUD",
        "additionalInfo": "2 free per month, $10 after that",
        "feeCap": "0.0000",
        "feeCapPeriod": "",
        "fixedAmount": {
          "amount": "10.00"
        },
        "feeMethodUType": "fixedAmount",
        "discounts": []
      }
    ],
    "depositRates": [
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0180000000",
        "calculationFrequency": "P1D",
        "applicationFrequency": "P1M",
        "additionalInfo": "Credit interest you earn is worked out as strata interest at the annual rate divided by 365 on the portion of the balance within each strata. It is paid to the account on the last day of each calendar month.",
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/tools-and-services/interest-rates",
        "applicationType": "PERIODIC",
        "applicabilityConditions": [],
        "tiers": [
          {
            "name": "$250000 plus",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "250000.00000",
            "rateApplicationMethod": "PER_TIER",
            "applicabilityConditions": []
          }
        ]
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0140000000",
        "calculationFrequency": "P1D",
        "applicationFrequency": "P1M",
        "additionalInfo": "Credit interest you earn is worked out as strata interest at the annual rate divided by 365 on the portion of the balance within each strata. It is paid to the account on the last day of each calendar month.",
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/tools-and-services/interest-rates",
        "applicationType": "PERIODIC",
        "applicabilityConditions": [],
        "tiers": [
          {
            "name": "$10000 - $49999",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "10000.00000",
            "maximumValue": "50000.00000",
            "rateApplicationMethod": "PER_TIER",
            "applicabilityConditions": []
          }
        ]
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0001000000",
        "calculationFrequency": "P1D",
        "applicationFrequency": "P1M",
        "additionalInfo": "Credit interest you earn is worked out as strata interest at the annual rate divided by 365 on the portion of the balance within each strata. It is paid to the account on the last day of each calendar month.",
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/tools-and-services/interest-rates",
        "applicationType": "PERIODIC",
        "applicabilityConditions": [],
        "tiers": [
          {
            "name": "Up to $9999",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "0.00000",
            "maximumValue": "10000.00000",
            "rateApplicationMethod": "PER_TIER",
            "applicabilityConditions": []
          }
        ]
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0180000000",
        "calculationFrequency": "P1D",
        "applicationFrequency": "P1M",
        "additionalInfo": "Credit interest you earn is worked out as strata interest at the annual rate divided by 365 on the portion of the balance within each strata. It is paid to the account on the last day of each calendar month.",
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/tools-and-services/interest-rates",
        "applicationType": "PERIODIC",
        "applicabilityConditions": [],
        "tiers": [
          {
            "name": "$50000 - $249999",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "50000.00000",
            "maximumValue": "250000.00000",
            "rateApplicationMethod": "PER_TIER",
            "applicabilityConditions": []
          }
        ]
      }
    ],
    "lendingRates": [],
    "isTailored": false
  }
}