{
  "source": "https://openbanking.api.rabobank.com.au/public/cds-au/v1/banking/products/1959ca34-15f6-4937-996b-3f8434129d04",
  "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": "1959ca34-15f6-4937-996b-3f8434129d04",
    "lastUpdated": "2026-07-10T03:00:00Z",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "name": "Cash Management Account",
    "description": "The Rabobank Cash Management account, being a flexible savings account with transactional facilities, is designed to help you efficiently manage your day-to-day money.",
    "brand": "Rabobank",
    "applicationUri": "https://www.rabobank.com.au/banking/deposits#cash-management-accounts",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.rabobank.com.au/banking/deposits#cash-management-accounts",
      "termsUri": "https://www.rabobank.com.au/ctd_tcs.html",
      "eligibilityUri": "https://www.rabobank.com.au/banking/deposits#cash-management-accounts",
      "feesAndPricingUri": "https://www.rabobank.com.au/rabobank_standardfees.html",
      "additionalFeesAndPricingUris": [
        {
          "description": "Cash Management Account – Interest Rates",
          "additionalInfoUri": "https://www.rabobank.com.au/product-rates#cash_mgt"
        }
      ]
    },
    "cardArt": [
      {
        "cardScheme": "VISA",
        "cardType": "DEBIT",
        "title": "Rabobank Visa Debit Card",
        "imageUri": "http://www.rabobank.com.au/content/dam/ranz/au/images/external/cardart.jpg"
      }
    ],
    "features": [
      {
        "featureType": "ADDITIONAL_CARDS",
        "additionalValue": "A limit of one card per Authorised Signatory applies.",
        "additionalInfo": "Additional Rabobank Visa Debit Card may be issued to an Authorised Signatory upon request."
      },
      {
        "featureType": "BILL_PAYMENT",
        "additionalValue": "BPAY",
        "additionalInfo": "Pay bills an easy way with BPAY."
      },
      {
        "featureType": "CARD_ACCESS",
        "additionalValue": "Rabobank Visa Debit Card.",
        "additionalInfo": "Access to your funds via your Rabobank Visa Debit Card.",
        "additionalInfoUri": "https://www.rabobank.com.au/security/debitcard/"
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Online and mobile banking.",
        "additionalInfoUri": "https://www.rabobank.com.au/mobile-banking-app#sba"
      },
      {
        "featureType": "FRAUD_PROTECTION",
        "additionalInfo": "Includes fraud protection."
      },
      {
        "featureType": "NOTIFICATIONS",
        "additionalValue": "Includes advanced notifications sent to clients.",
        "additionalInfo": "An alert about future events or notifications."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "From February 1 2012, the Financial Claims Scheme applies to eligible deposits with a balance up to $250,000 per account holder, per Authorised Deposit-taking Institution.",
        "additionalInfoUri": "https://www.rabobank.com.au/banking/deposits"
      },
      {
        "featureType": "UNLIMITED_TXNS",
        "additionalInfo": "Unlimited free transactions available to clients."
      }
    ],
    "constraints": [
      {
        "constraintType": "OPENING_BALANCE",
        "additionalValue": "20000.00"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18",
        "additionalInfo": "The applicant and each account owner must be at least 18 years old."
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Available for individuals (including Joint applicants), Businesses (including companies and partnerships), Trusts and Self-Managed Superannuation Funds and other forms of business structures that Rabobank may accept from time to time."
      }
    ],
    "fees": [
      {
        "name": "Account keeping fee",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD",
        "additionalValue": "P1M"
      },
      {
        "name": "VISA Debit Card Currency Conversion Fee (% of converted amount)",
        "feeType": "TRANSACTION",
        "feeMethodUType": "rateBased",
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.0285"
        },
        "currency": "AUD",
        "additionalInfo": "Fees may be charged for overseas transactions by the overseas merchant or bank. If a transaction is refunded, fees are not refunded."
      },
      {
        "name": "Same Day Funds Transfer Fee",
        "feeType": "PAYMENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "21.50"
        },
        "currency": "AUD",
        "additionalInfo": "For Real Time Gross Settlement."
      },
      {
        "name": "Foreign Currency - Telegraphic Transfer (Out) Fee",
        "feeType": "PAYMENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "30.00"
        },
        "currency": "AUD",
        "additionalInfo": "Fees may be charged by the overseas bank."
      },
      {
        "name": "Foreign Currency - Telegraphic Transfer (In) Fee",
        "feeType": "PAYMENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        },
        "currency": "AUD",
        "additionalInfo": "Fees may be charged by the overseas bank."
      },
      {
        "name": "Replacement VISA Debit Card Fee (within Australia)",
        "feeType": "REPLACEMENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        },
        "currency": "AUD",
        "additionalInfo": "Additional courier charge may apply if express delivery required. Courier fees charged are the standard fees for orders of that type to that location."
      },
      {
        "name": "International Replacement VISA Debit Card Fee (if card lost or stolen)",
        "feeType": "REPLACEMENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "200.00"
        },
        "currency": "USD",
        "additionalInfo": "Charges applied by VISA. Replacement card delivered to local institution nominated by VISA."
      },
      {
        "name": "International Emergency Cash (if card lost or stolen)",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "175.00"
        },
        "currency": "USD",
        "additionalInfo": "Charges applied by VISA."
      },
      {
        "name": "Rabobank Internet Banking Token Replacement Fee",
        "feeType": "REPLACEMENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "100.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Debit Interest",
        "feeType": "PERIODIC",
        "feeMethodUType": "variable",
        "variable": {},
        "currency": "AUD",
        "additionalValue": "P1M",
        "additionalInfo": "Interest on debit (negative) balances will be charged as per the corresponding clause(s) in the Rabobank Deposit Accounts Terms and Conditions document."
      }
    ],
    "depositRates": [
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0005",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "Balance",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "0.00",
            "maximumValue": "9999.99",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalInfoUri": "https://www.rabobank.com.au/product-rates#cash_mgt"
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0005",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "Balance",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "10000.00",
            "maximumValue": "19999.99",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalInfoUri": "https://www.rabobank.com.au/product-rates#cash_mgt"
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0015",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "Balance",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "20000.00",
            "maximumValue": "49999.99",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalInfoUri": "https://www.rabobank.com.au/product-rates#cash_mgt"
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0015",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "Balance",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "50000.00",
            "maximumValue": "99999.99",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalInfoUri": "https://www.rabobank.com.au/product-rates#cash_mgt"
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0015",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "Balance",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "100000.00",
            "maximumValue": "249999.99",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalInfoUri": "https://www.rabobank.com.au/product-rates#cash_mgt"
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0015",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "Balance",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "250000.00",
            "maximumValue": "499999.99",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalInfoUri": "https://www.rabobank.com.au/product-rates#cash_mgt"
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0015",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "Balance",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "500000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalInfoUri": "https://www.rabobank.com.au/product-rates#cash_mgt"
      }
    ]
  }
}