{
  "source": "https://public.cdr.qudosbank.com.au/cds-au/v1/banking/products/9fd443e8-0e52-466c-af81-3cdbe2c6030a",
  "note": "Product Reference Data published by the data holder under the Consumer Data Right, as cached by this site (refreshed every 6 hours).",
  "data": {
    "additionalInformation": {
      "eligibilityUri": "https://www.qudosbank.com.au/products/savings-accounts/general-savings-account",
      "feesAndPricingUri": "https://www.qudosbank.com.au/products/savings-accounts/general-savings-account",
      "overviewUri": "https://www.qudosbank.com.au/products/savings-accounts/general-savings-account",
      "termsUri": "https://www.qudosbank.com.au/support/legal/new-to-bank-terms-and-conditions"
    },
    "applicationUri": "https://join.qudosbank.com.au/#/welcome?productcode=100",
    "brand": "Qudos Bank",
    "cardArt": [
      {
        "imageUri": "https://cdn.prod.website-files.com/686c54fd8bf32f902b5a3c61/68759dc4b70aeb80d077f636_42_QudosBank_CreditCard_Debit_730x460.png",
        "title": "VISA Debit Card",
        "cardType": "DEBIT",
        "cardScheme": "VISA"
      }
    ],
    "description": "Your everyday account, and a gateway to easy banking.",
    "effectiveFrom": "2001-07-02T14:30:00.000Z",
    "isTailored": false,
    "lastUpdated": "2026-04-29T23:00:25.019Z",
    "name": "General Savings Account",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "productId": "9fd443e8-0e52-466c-af81-3cdbe2c6030a",
    "fees": [
      {
        "name": "Inward cheque rejection fee",
        "additionalInfo": "This fee is applied for each cheque deposited to a Member's account which is subsequently rejected. This fee will be charged at the time of the rejection.",
        "fixedAmount": {
          "amount": "15.00"
        },
        "feeType": "DEPOSIT",
        "feeMethodUType": "fixedAmount"
      },
      {
        "name": "ATM Transactions",
        "additionalInfo": "A fee may apply to use ATMs in \nAustralia or overseas. This fee may be \ncharged by the owner of the ATM at \nthe time of the withdrawal. \nMembers should be advised by the ATM owner of the amount \nof the fee prior to the transaction and be asked to accept the \nfee to continue with the transaction.\n",
        "variable": {
          "feeMinimum": "0.00",
          "feeMaximum": "0.00"
        },
        "feeType": "OTHER",
        "feeMethodUType": "variable"
      },
      {
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.03"
        },
        "name": "Overseas Card Transactions",
        "additionalInfo": "This fee applies to foreign currency transactions made using \na Visa Card, and includes a currency conversion assessment \nof 1% by Visa International. For example, if the value of the \ntransaction is $100, the fee would be $3.00 (including a currency \nconversion assessment of $1.00).\nPlease note that some online merchants may display a price \nin Australian dollars but process the transaction in a \nforeign currency.",
        "feeType": "TRANSACTION",
        "feeMethodUType": "rateBased"
      },
      {
        "name": "SMS Banking Requests",
        "additionalInfo": "This fee applies to each SMS Banking \nmessage sent to your mobile phone. \nThe fee will be debited to your main savings account (S0) at \nthe time the SMS is sent. Your telecommunications provider \nmay also charge you a fee for sending and receiving SMS.\nNote: This service is not to be mistaken with QSafe \nSMS Authentication – which is a free service.",
        "fixedAmount": {
          "amount": "0.25"
        },
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount"
      },
      {
        "additionalInfoUri": "https://www.qudosbank.com.au/documents/fees-charges",
        "name": "Domestic Telegraphic Transfer",
        "additionalInfo": "This fee applies to telegraphic transfers on behalf of Members, \narranged via Westpac. This fee will be charged at the time of \nthe transfer",
        "fixedAmount": {
          "amount": "20.00"
        },
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount"
      },
      {
        "name": "International telegraphic transfer online",
        "additionalInfo": "At the request of Members, we can \nprovide certain foreign exchange and \npayment services. We may receive a \ncommission for providing these services \nto you, refer to our FSG for details. ",
        "fixedAmount": {
          "amount": "10.00"
        },
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount"
      },
      {
        "name": "International telegraphic transfers phone or email assisted  (sent in foreign currency)",
        "fixedAmount": {
          "amount": "30.00"
        },
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount"
      },
      {
        "name": "Foreign Cheque Deposits under AUD$5000",
        "additionalInfo": "This fee applies to foreign cheques deposited on behalf of \nMembers, via Convera. This fee will be charged at the time \nof the deposit.",
        "fixedAmount": {
          "amount": "20.00"
        },
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount"
      },
      {
        "name": "Foreign Cheque Deposits AUD$5,000 and over",
        "additionalInfo": "This fee applies to foreign cheques deposited on behalf of \nMembers, via Convera. This fee will be charged at the time \nof the deposit.",
        "fixedAmount": {
          "amount": "50.00"
        },
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount"
      },
      {
        "name": "Replacement Cards",
        "fixedAmount": {
          "amount": "0.00"
        },
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount"
      },
      {
        "name": "Electronic debit rejection fee",
        "fixedAmount": {
          "amount": "0.00"
        },
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount"
      },
      {
        "name": "Emergency Overseas Visa Cash Advance",
        "additionalInfo": "Visa International can arrange for a cash advance to be issued \nif your card is lost, stolen or damaged whilst you are overseas. \nIt should be noted that this fee can be avoided by obtaining \ncash from any bank displaying the Visa logo after an emergency \ncard has been issued by Visa International.\nImportant: If you apply for an emergency replacement card \nand an emergency cash advance from Visa International, \nyour Qudos Bank account will be debited with both fees \namounting to US$350.00.",
        "currency": "USD",
        "fixedAmount": {
          "amount": "175.00"
        },
        "feeType": "REPLACEMENT",
        "feeMethodUType": "fixedAmount"
      },
      {
        "name": "Emergency Overseas Visa Replacement Card",
        "additionalInfo": "Visa International can arrange for the issue of an emergency \nreplacement card if your card is lost, stolen or damaged whilst \nyou are overseas. Visa International bills this charge to your \nQudos Bank account",
        "currency": "USD",
        "fixedAmount": {
          "amount": "175.00"
        },
        "feeType": "REPLACEMENT",
        "feeMethodUType": "fixedAmount"
      },
      {
        "name": "Dormant Accounts",
        "additionalInfo": "This fee is applied if one or more savings accounts under a member number have been classified as dormant. An account is classified as dormant if there have been no member-initiated transactions for 12 months and we have followed the procedures required by our Constitution. This fee is charged annually per member and is typically applied at the start of each calendar year.",
        "additionalValue": "P1Y",
        "fixedAmount": {
          "amount": "10.00"
        },
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount"
      },
      {
        "name": "Copies of documents other than statements",
        "additionalInfo": "No charge applies for copies of documents such as loan or withdrawal forms.",
        "fixedAmount": {
          "amount": "0.00"
        },
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount"
      },
      {
        "name": "Statement Copies",
        "additionalInfo": "This fee is applied when a Member requests a copy of a statement \non an account for a period more than 3 months before the request. \nThere is no charge for copies of statements less than 3 months \nold. This fee will be charged at the time the copy is provided.",
        "fixedAmount": {
          "amount": "5.00"
        },
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount"
      },
      {
        "name": "Account Keeping Fee",
        "additionalValue": "P1Y",
        "fixedAmount": {
          "amount": "0.00"
        },
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount"
      }
    ],
    "eligibility": [
      {
        "additionalInfo": "This product is only available to members who have a residential address in Australia.",
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "Australian Resident"
      }
    ],
    "depositRates": [
      {
        "applicationType": "PERIODIC",
        "tiers": [
          {
            "name": "$0 - $49,999.99",
            "minimumValue": "0.00",
            "unitOfMeasure": "DOLLAR",
            "maximumValue": "49999.99",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "rate": "0",
        "additionalInfoUri": "https://www.qudosbank.com.au/products/savings-accounts/general-savings-account#rates",
        "applicationFrequency": "P1M",
        "depositRateType": "VARIABLE",
        "calculationFrequency": "P1D"
      },
      {
        "applicationType": "PERIODIC",
        "tiers": [
          {
            "name": "$50,000+",
            "minimumValue": "50000.00",
            "unitOfMeasure": "DOLLAR",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "rate": "0.0005",
        "additionalInfoUri": "https://www.qudosbank.com.au/products/savings-accounts/general-savings-account#rates",
        "applicationFrequency": "P1M",
        "depositRateType": "VARIABLE",
        "calculationFrequency": "P1D"
      }
    ],
    "features": [
      {
        "featureType": "CARD_ACCESS",
        "additionalInfo": "Optional Visa Debit card linked with a General Savings Account",
        "additionalValue": "Visa"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Interest calculated daily and paid monthly"
      },
      {
        "featureType": "BILL_PAYMENT",
        "additionalValue": "BPAY"
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalValue": "Online Banking & App"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Bank at Post using your access card"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Auto transfers set up on your account"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Direct debits & credits"
      },
      {
        "featureType": "NPP_ENABLED"
      },
      {
        "featureType": "NPP_PAYID"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Apple Pay, Google Pay, FitBit"
      }
    ]
  }
}