{
  "source": "https://openbank.newcastlepermanent.com.au/cds-au/v1/banking/products/BL_busoverdraft",
  "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": "BL_busoverdraft",
    "effectiveFrom": "2004-04-28T14:00:00.000+10:00",
    "effectiveTo": "9999-12-29T13:00:00.000+11:00",
    "lastUpdated": "2026-06-24T14:00:00.000+10:00",
    "productCategory": "OVERDRAFTS",
    "name": "Business Overdraft Facility",
    "description": "The Business Overdraft Facility is a line of credit attached to a Business Cheque Account to help manage cash flow or any unexpected business expenses. The account should fluctuate between credit and debit balance.",
    "brand": "NPBS",
    "brandName": "Newcastle Permanent Building Society",
    "additionalInformation": {
      "overviewUri": "https://www.newcastlepermanent.com.au/business",
      "feesAndPricingUri": "https://www.newcastlepermanent.com.au/tools-and-services/interest-rates"
    },
    "bundles": [],
    "features": [
      {
        "featureType": "CARD_ACCESS",
        "additionalValue": "VISA",
        "additionalInfo": "Full transactional access with a Visa Debit card."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "No ongoing account keeping fees where overdraft limit is $20,000 or greater."
      },
      {
        "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."
      },
      {
        "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"
      }
    ],
    "constraints": [],
    "eligibility": [
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18",
        "additionalInfo": "Minimum cardholder age 16 years."
      },
      {
        "eligibilityType": "BUSINESS",
        "additionalInfo": "Available for business purposes for individual and non-individual borrowers, including sole traders, and companies."
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "Available to permanent Australian Residents."
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "The Business Overdraft is required to be attached to a Business Cheque Account or Club Account.",
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/business/everyday-banking/business-cheque-account"
      }
    ],
    "fees": [
      {
        "name": "Replacement Document Fee",
        "feeType": "REPLACEMENT",
        "currency": "AUD",
        "additionalInfo": "Fee is payable for replacement of documents due to the original documentation being lost or amendments to the original documents being required.",
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/business",
        "feeCap": "0.0000",
        "feeCapPeriod": "",
        "fixedAmount": {
          "amount": "100.00"
        },
        "feeMethodUType": "fixedAmount",
        "discounts": []
      },
      {
        "name": "Upfront Legal & Document Fees",
        "feeType": "UPFRONT",
        "currency": "AUD",
        "additionalInfo": "Minimum Fee is $250. The costs for reviewing documents and preparing security documents and facility agreements differ based on the type of security and other factors. The estimated fees will be provided in your Letter of Offer.",
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/business",
        "feeCap": "0.0000",
        "feeCapPeriod": "",
        "variable": {},
        "feeMethodUType": "variable",
        "discounts": []
      },
      {
        "name": "Limit Excess Fee",
        "feeType": "EVENT",
        "currency": "AUD",
        "additionalInfo": "A limit excess fee of $17.50 each time the facility limit is exceeded. If the balance owing exceeds the facility limit with or without our approval, we charge interest on that excess at the default rate.",
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/tools-and-services/terms-and-conditions#Business",
        "fixedAmount": {
          "amount": "17.50"
        },
        "feeMethodUType": "fixedAmount",
        "discounts": []
      },
      {
        "name": "Interest Rate Conversion Fee",
        "feeType": "VARIATION",
        "currency": "AUD",
        "additionalInfo": "Fee is payable for interest rate maintenance/conversion with a Letter of Variation or Letter of Advice.",
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/business",
        "feeCap": "0.0000",
        "feeCapPeriod": "",
        "fixedAmount": {
          "amount": "250.00"
        },
        "feeMethodUType": "fixedAmount",
        "discounts": []
      },
      {
        "name": "Application Fee",
        "feeType": "UPFRONT",
        "currency": "AUD",
        "additionalInfo": "Also known as establishment fee and payable when you accept the commercial letter of offer. (Does not apply to Residentially Secured Business Loan).",
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/tools-and-services/terms-and-conditions#Business",
        "rateBased": {
          "rate": "0.0025",
          "rateType": "BALANCE"
        },
        "feeMethodUType": "rateBased",
        "discounts": []
      },
      {
        "name": "Valuation Fee",
        "feeType": "UPFRONT",
        "currency": "AUD",
        "additionalInfo": "The cost of each valuation report required to be issued.",
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/tools-and-services/terms-and-conditions#Business",
        "feeCap": "0.0000",
        "feeCapPeriod": "",
        "variable": {},
        "feeMethodUType": "variable",
        "discounts": []
      },
      {
        "name": "Settlement Fee",
        "feeType": "UPFRONT",
        "currency": "AUD",
        "additionalInfo": "Settlement fee is estimated at $300 per settlement. ",
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/tools-and-services/terms-and-conditions#Business",
        "feeCap": "0.0000",
        "feeCapPeriod": "",
        "variable": {},
        "feeMethodUType": "variable",
        "discounts": []
      },
      {
        "name": "Partial Release and Discharge of Security Fee",
        "feeType": "EXIT",
        "currency": "AUD",
        "additionalInfo": "Payable whenever we arrange for a Partial Release or Discharge of Security.",
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/business",
        "fixedAmount": {
          "amount": "250.00"
        },
        "feeMethodUType": "fixedAmount",
        "discounts": []
      },
      {
        "name": "Consent and Execution of Leases, Plans of Subdivision etc.",
        "feeType": "EVENT",
        "currency": "AUD",
        "additionalInfo": "Consent and Execution of Leases, Plans of Subdivision etc.",
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/business",
        "fixedAmount": {
          "amount": "150.00"
        },
        "feeMethodUType": "fixedAmount",
        "discounts": []
      },
      {
        "name": "Upfront Fees Residential Security",
        "feeType": "UPFRONT",
        "currency": "AUD",
        "additionalInfo": "For new facilities secured by residential property, this single fee replaces Application Fee, Valuation Fee, Legal and Documentation Fee.",
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/business",
        "fixedAmount": {
          "amount": "600.00"
        },
        "feeMethodUType": "fixedAmount",
        "discounts": []
      },
      {
        "name": "Registration Fee",
        "feeType": "UPFRONT",
        "currency": "AUD",
        "additionalInfo": "Payable to us when there are additional costs associated with registration (for example, this may include a discharge of mortgage fee, transfer fee or any other dealing fee).",
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/tools-and-services/terms-and-conditions#Business",
        "feeCap": "0.0000",
        "feeCapPeriod": "",
        "variable": {},
        "feeMethodUType": "variable",
        "discounts": []
      }
    ],
    "depositRates": [],
    "lendingRates": [
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0826000000",
        "calculationFrequency": "P1D",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "OTHER",
        "loanPurpose": "OTHER",
        "applicationType": "PERIODIC",
        "additionalInfo": "Base rate only, an additional margin is applied for security type (cash, residential and commercial) and the applicants credit risk. ",
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/tools-and-services/interest-rates",
        "applicabilityConditions": []
      }
    ],
    "isTailored": true
  }
}