{
  "source": "https://openbank.newcastlepermanent.com.au/cds-au/v1/banking/products/BC_busclubaccount",
  "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": "BC_busclubaccount",
    "effectiveFrom": "2005-11-23T13:00:00.000+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": "Club Account",
    "description": "Our specially designed everyday business account for not-for-profit clubs and associations. ",
    "brand": "NPBS",
    "brandName": "Newcastle Permanent Building Society",
    "additionalInformation": {
      "overviewUri": "https://www.newcastlepermanent.com.au/business/everyday-banking/club-account",
      "termsUri": "https://www.newcastlepermanent.com.au/tools-and-services/terms-and-conditions#business",
      "eligibilityUri": "https://www.newcastlepermanent.com.au/tools-and-services/terms-and-conditions#business",
      "feesAndPricingUri": "https://www.newcastlepermanent.com.au/business/everyday-banking/club-account"
    },
    "bundles": [],
    "features": [
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Internet Banking and Mobile Banking",
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/tools-and-services/digital-banking"
      },
      {
        "featureType": "RELATIONSHIP_MANAGEMENT",
        "additionalInfo": "Eligible customers enjoy dedicated and personalised service from the Business Solutions team.",
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/business"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Apple Pay",
        "additionalInfo": "Available for Visa cards only.",
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/tools-and-services/mobile-payments"
      },
      {
        "featureType": "ADDITIONAL_CARDS",
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/business/everyday-banking"
      },
      {
        "featureType": "UNLIMITED_TXNS",
        "additionalInfo": "Unlimited free Bpay transactions and internet banking. Subject to amount limits.",
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/business/everyday-banking"
      },
      {
        "featureType": "CARD_ACCESS",
        "additionalValue": "Visa Debit Card",
        "additionalInfo": "Newcastle Permanent Visa cards are accepted anywhere where Visa is accepted worldwide.",
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/business/everyday-banking"
      },
      {
        "featureType": "BILL_PAYMENT",
        "additionalValue": "BPAY View",
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/business/everyday-banking"
      },
      {
        "featureType": "NPP_ENABLED",
        "additionalInfo": "OSKO",
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/business/everyday-banking"
      },
      {
        "featureType": "NPP_PAYID",
        "additionalInfo": "OSKO",
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/business/everyday-banking"
      },
      {
        "featureType": "FREE_TXNS",
        "additionalValue": "40",
        "additionalInfo": "40 free Branch transactions per month. If the minimum balance of your account for each day of a month (other than the month in which you open the account) is $50,000 or more, then you will receive 60 free transactions for that month.",
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/business/everyday-banking"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Google Pay",
        "additionalInfo": "Available for Visa cards only.",
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/tools-and-services/mobile-payments"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Batch payments available",
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/business/everyday-banking"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Cheque book available",
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/business/everyday-banking"
      }
    ],
    "constraints": [
      {
        "constraintType": "OPENING_BALANCE",
        "additionalValue": "1.00"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "Available to permanent Australian Residents "
      },
      {
        "eligibilityType": "BUSINESS",
        "additionalInfo": "Clubs and Associations"
      }
    ],
    "fees": [
      {
        "name": "Excess Cash Deposit Fee",
        "feeType": "DEPOSIT",
        "currency": "AUD",
        "additionalInfo": "Payable when you deposit more than $50 worth of coins with us. $5.00 per 10 minutes spent by us counting coins. Minimum charge of $5.00 applies.",
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/tools-and-services/terms-and-conditions#business",
        "feeCap": "0.0000",
        "feeCapPeriod": "",
        "variable": {},
        "feeMethodUType": "variable",
        "discounts": []
      },
      {
        "name": "Financial Institution Cheque",
        "feeType": "WITHDRAWAL",
        "currency": "AUD",
        "additionalInfo": "Payable each time you request a Newcastle Permanent cheque.",
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/tools-and-services/terms-and-conditions#business",
        "feeCap": "0.0000",
        "feeCapPeriod": "",
        "fixedAmount": {
          "amount": "4.00"
        },
        "feeMethodUType": "fixedAmount",
        "discounts": []
      },
      {
        "name": "Financial Institution Cheque Replacement",
        "feeType": "REPLACEMENT",
        "currency": "AUD",
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/tools-and-services/terms-and-conditions#business",
        "feeCap": "0.0000",
        "feeCapPeriod": "",
        "fixedAmount": {
          "amount": "15.00"
        },
        "feeMethodUType": "fixedAmount",
        "discounts": []
      },
      {
        "name": "Account Overdrawn",
        "feeType": "EVENT",
        "currency": "AUD",
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/tools-and-services/terms-and-conditions#business",
        "fixedAmount": {
          "amount": "17.50"
        },
        "feeMethodUType": "fixedAmount",
        "discounts": []
      },
      {
        "name": "Direct Debit Request Fee",
        "feeType": "DEPOSIT",
        "currency": "AUD",
        "additionalInfo": "Payable when we debit an account at another financial institution at your request.",
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/tools-and-services/terms-and-conditions#business",
        "fixedAmount": {
          "amount": "0.70"
        },
        "feeMethodUType": "fixedAmount",
        "discounts": []
      },
      {
        "name": "Withdrawal Fee",
        "feeType": "WITHDRAWAL",
        "currency": "AUD",
        "additionalInfo": "Payable each time a withdrawal is made from your account, where you arrange this over the counter from one of our branches. 40 free Branch transactions per month. If the minimum balance of your account for each day of a month (other than the month in which you open the account) is $50,000 or more, then you will receive 60 free transactions for that month.",
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/tools-and-services/terms-and-conditions#business",
        "fixedAmount": {
          "amount": "1.75"
        },
        "feeMethodUType": "fixedAmount",
        "discounts": []
      },
      {
        "name": "Dishonoured Cheque Fee",
        "feeType": "DISHONOUR",
        "currency": "AUD",
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/tools-and-services/terms-and-conditions#business",
        "feeCap": "0.0000",
        "feeCapPeriod": "",
        "fixedAmount": {
          "amount": "17.50"
        },
        "feeMethodUType": "fixedAmount",
        "discounts": []
      },
      {
        "name": "Visa Cash Advance Fee",
        "feeType": "CASH_ADVANCE",
        "currency": "AUD",
        "additionalInfo": "Applies to cash advances performed using the card via ATM, at a branch or other financial institution, or by internet banking. ",
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/tools-and-services/terms-and-conditions#business",
        "feeCap": "0.0000",
        "feeCapPeriod": "",
        "fixedAmount": {
          "amount": "5.00"
        },
        "feeMethodUType": "fixedAmount",
        "discounts": []
      },
      {
        "name": "Document Fee",
        "feeType": "ENQUIRY",
        "currency": "AUD",
        "additionalInfo": " $60/hour (min $10/copy)",
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/tools-and-services/terms-and-conditions#business",
        "feeCap": "0.0000",
        "feeCapPeriod": "",
        "variable": {},
        "feeMethodUType": "variable",
        "discounts": []
      },
      {
        "name": "Deposit Book Fee",
        "feeType": "EVENT",
        "currency": "AUD",
        "additionalInfo": "Payable when we issue you a deposit book.",
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/tools-and-services/terms-and-conditions#business",
        "fixedAmount": {
          "amount": "8.50"
        },
        "feeMethodUType": "fixedAmount",
        "discounts": []
      },
      {
        "name": "Direct Debit Dishonour Fee",
        "feeType": "DISHONOUR",
        "currency": "AUD",
        "additionalInfo": "Payable when we attempt to debit another account, but payment is dishonoured because there is not enough money to pay (the other account could be with us or another financial institution).",
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/tools-and-services/terms-and-conditions#business",
        "feeCap": "0.0000",
        "feeCapPeriod": "",
        "fixedAmount": {
          "amount": "12.50"
        },
        "feeMethodUType": "fixedAmount",
        "discounts": []
      },
      {
        "name": "Stop Payment Fee",
        "feeType": "EVENT",
        "currency": "AUD",
        "additionalInfo": "Payable when you request that we stop a cheque",
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/tools-and-services/terms-and-conditions#business",
        "fixedAmount": {
          "amount": "5.00"
        },
        "feeMethodUType": "fixedAmount",
        "discounts": []
      },
      {
        "name": "Certificate Fee",
        "feeType": "ENQUIRY",
        "currency": "AUD",
        "additionalInfo": "Payable when you request a Certificate of Balance or Audit Certificate. $60/hour (min $10/copy).",
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/tools-and-services/terms-and-conditions#business",
        "feeCap": "0.0000",
        "feeCapPeriod": "",
        "variable": {},
        "feeMethodUType": "variable",
        "discounts": []
      },
      {
        "name": "Transaction Fee",
        "feeType": "TRANSACTION",
        "currency": "AUD",
        "additionalInfo": "Payable each time any of the following transactions occur: a) a cheque you wrote is presented for payment; or b) a deposit is made by you or another person into your account over the counter at one of our branches; or c) a cheque is deposited by you or another person into your account; or d) you or another person transfers funds into your account from another NPBS account, where this was arranged over the counter at one of our branches or where we are asked to arrange this. 40 free Branch transactions per month. If the minimum balance of your account for each day of a month (other than the month in which you open the account) is $50,000 or more, then you will receive 60 free transactions for that month.",
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/tools-and-services/terms-and-conditions#business",
        "fixedAmount": {
          "amount": "0.50"
        },
        "feeMethodUType": "fixedAmount",
        "discounts": []
      },
      {
        "name": "Miscellaneous Service Fee",
        "feeType": "ENQUIRY",
        "currency": "AUD",
        "additionalInfo": "Payable when you request information from us, and your request is not covered by the document fee or certificate fee. $60.00 per hour spent by us to satisfy your request.",
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/tools-and-services/terms-and-conditions#business",
        "feeCap": "0.0000",
        "feeCapPeriod": "",
        "variable": {},
        "feeMethodUType": "variable",
        "discounts": []
      },
      {
        "name": "Overseas Transaction Conversion Fee",
        "feeType": "PURCHASE",
        "currency": "AUD",
        "additionalInfo": "Payable when you use your Visa Debit card to perform a transaction overseas or where a merchant processes the payment overseas (whether or not the payment is in Australian dollars). It is calculated as a percentage of the total transaction amount and is debited to your account.",
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/tools-and-services/terms-and-conditions#business",
        "feeCap": "0.0000",
        "feeCapPeriod": "",
        "rateBased": {
          "rate": "0.0300",
          "rateType": "TRANSACTION"
        },
        "feeMethodUType": "rateBased",
        "discounts": []
      }
    ],
    "depositRates": [
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0000000000",
        "calculationFrequency": "P1D",
        "applicationFrequency": "P3M",
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/business/business-banking-interest-rates",
        "applicationType": "PERIODIC",
        "applicabilityConditions": [],
        "tiers": [
          {
            "name": "Up to $1999",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "0.00000",
            "maximumValue": "2000.00000",
            "rateApplicationMethod": "PER_TIER",
            "applicabilityConditions": []
          },
          {
            "name": "$50000 - $99999",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "50000.00000",
            "maximumValue": "100000.00000",
            "rateApplicationMethod": "PER_TIER",
            "applicabilityConditions": []
          },
          {
            "name": "$20000 - $49999",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "20000.00000",
            "maximumValue": "50000.00000",
            "rateApplicationMethod": "PER_TIER",
            "applicabilityConditions": []
          },
          {
            "name": "$2000 - $9999",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "2000.00000",
            "maximumValue": "10000.00000",
            "rateApplicationMethod": "PER_TIER",
            "applicabilityConditions": []
          },
          {
            "name": "$100000 plus",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "100000.00000",
            "rateApplicationMethod": "PER_TIER",
            "applicabilityConditions": []
          },
          {
            "name": "$10000 - $19999",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "10000.00000",
            "maximumValue": "20000.00000",
            "rateApplicationMethod": "PER_TIER",
            "applicabilityConditions": []
          }
        ]
      }
    ],
    "lendingRates": [],
    "isTailored": false
  }
}