{
  "source": "https://public.cdr-api.queenslandcountry.bank/cds-au/v1/banking/products/2",
  "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": "2",
    "effectiveFrom": "2015-06-30T14:30:00.0000000Z",
    "lastUpdated": "2026-07-16T08:00:24.0755223Z",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "name": "Learners & Earners All Access",
    "description": "An everyday banking solution for young people undertaking full-time studies or an apprenticeship",
    "brand": "Queensland Country Bank",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.queenslandcountry.bank/banking/transaction-accounts/learners-earners/",
      "termsUri": "https://www.queenslandcountry.bank/siteassets/documents/brochures/brochure_account-access-facility.pdf",
      "feesAndPricingUri": "https://www.queenslandcountry.bank/siteassets/documents/brochures/brochure_fees-charges.pdf"
    },
    "cardArt": [
      {
        "cardScheme": "VISA",
        "cardType": "DEBIT",
        "title": "Brisbane Heat Debit Card",
        "imageUri": "https://www.queenslandcountry.bank/siteassets/images/product-pages/card-designs/visadebitbrisbane-heat.jpg"
      },
      {
        "cardScheme": "VISA",
        "cardType": "DEBIT",
        "title": "Pink Debit Card",
        "imageUri": "https://www.queenslandcountry.bank/siteassets/images/product-pages/card-designs/visadebit-pink.jpg"
      },
      {
        "cardScheme": "VISA",
        "cardType": "DEBIT",
        "title": "Teal Debit Card",
        "imageUri": "https://www.queenslandcountry.bank/siteassets/images/product-pages/card-designs/visadebit-teal.jpg"
      },
      {
        "cardScheme": "VISA",
        "cardType": "DEBIT",
        "title": "White Debit Card",
        "imageUri": "https://www.queenslandcountry.bank/siteassets/images/product-pages/card-designs/visadebit-white.jpg"
      },
      {
        "cardScheme": "VISA",
        "cardType": "DEBIT",
        "title": "Yellow Debit Card",
        "imageUri": "https://www.queenslandcountry.bank/siteassets/images/product-pages/card-designs/visadebit-yellow.jpg"
      }
    ],
    "features": [
      {
        "featureType": "ADDITIONAL_CARDS"
      },
      {
        "featureType": "CARD_ACCESS",
        "additionalValue": "Visa Debit Card"
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "24/7 online and mobile banking access"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "APPLE PAY",
        "additionalInfo": "Pay faster, easier and more securely with Apple Pay. Apple Pay eligibility restrictions may apply."
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "GOOGLE PAY",
        "additionalInfo": "Pay faster, easier and more securely with Google Pay. Google Pay eligibility restrictions may apply."
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "SAMSUNG PAY",
        "additionalInfo": "Pay faster, easier and more securely with Samsung Pay. Samsung Pay eligibility restrictions may apply."
      },
      {
        "featureType": "NPP_ENABLED",
        "additionalInfo": "The New Payments Platform (NPP) provides you with faster, simpler and smarter payments through a fast and versatile payments system"
      },
      {
        "featureType": "NPP_PAYID",
        "additionalInfo": "The New Payments Platform (NPP) provides you with faster, simpler and smarter payments through a fast and versatile payments system"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "MAX_AGE",
        "additionalValue": "23"
      },
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18"
      },
      {
        "eligibilityType": "NATURAL_PERSON"
      },
      {
        "eligibilityType": "STUDENT",
        "additionalValue": "Students undertaking full-time studies or an Australian apprenticeship."
      }
    ],
    "fees": [
      {
        "name": "Overseas Purchase Fee",
        "feeType": "TRANSACTION",
        "feeMethodUType": "rateBased",
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.0365",
          "amountRange": {}
        },
        "currency": "AUD"
      },
      {
        "name": "Disputed Transaction Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "35.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Direct Entry Recall of Funds",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "40.00"
        },
        "currency": "AUD",
        "additionalInfo": "Applies to Direct Debit, Direct Credit and OSKO payments"
      },
      {
        "name": "DE Mistaken Payment Return Req",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "50.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Honour Charge",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Dishonour Insuff. Funds",
        "feeType": "DISHONOUR",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "7.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Dormant Account Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "15.00"
        },
        "currency": "AUD"
      },
      {
        "name": "RTGS Payment Received Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "7.20"
        },
        "currency": "AUD"
      },
      {
        "name": "Transaction Fees",
        "feeType": "OTHER",
        "feeMethodUType": "variable",
        "variable": {},
        "currency": "AUD",
        "additionalInfo": "Refer to our Fees and Charges brochure for information on other transactions which may attract fees and charges",
        "additionalInfoUri": "https://www.queenslandcountry.bank/siteassets/documents/brochures/brochure_fees-charges.pdf"
      },
      {
        "name": "Monthly Account Fee",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD",
        "additionalValue": "P1M"
      },
      {
        "name": "Transaction Investigation Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "15.00"
        },
        "currency": "AUD"
      }
    ],
    "depositRates": [
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "Floating",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "0.00",
            "maximumValue": "4999.99",
            "rateApplicationMethod": "PER_TIER"
          }
        ]
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0001",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "USER-INPUT-RATE/1",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "5000.00",
            "rateApplicationMethod": "PER_TIER"
          }
        ]
      }
    ]
  }
}