{
  "source": "https://ob.tmbl.com.au/unibank/cds-au/v1/banking/products/766e55b7-3942-4df2-a472-f882552543be",
  "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": "766e55b7-3942-4df2-a472-f882552543be",
    "lastUpdated": "2026-07-13T17:25:39.000+10:00",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "name": "Edvest Cash Management account",
    "description": "Exclusive to Edvest members, our higher interest rates make your money work harder for you.",
    "brand": "UB",
    "brandName": "UniBank",
    "applicationUri": "https://www.unibank.com.au/banking/edvest-cash-management-account",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.unibank.com.au/banking/edvest-cash-management-account",
      "termsUri": "https://www.unibank.com.au/content/dam/documents/collateral/conditions-of-use.pdf",
      "eligibilityUri": "https://www.unibank.com.au/banking/edvest-cash-management-account",
      "feesAndPricingUri": "https://www.unibank.com.au/content/dam/documents/collateral/fees-and-charges.pdf"
    },
    "features": [
      {
        "featureType": "DIGITAL_BANKING"
      },
      {
        "featureType": "NPP_PAYID"
      },
      {
        "featureType": "NPP_ENABLED"
      },
      {
        "featureType": "NOTIFICATIONS",
        "additionalValue": "Track payments with SMS and email alerts."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Higher interest rate for balances $2,000 and over."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "No minimum balance."
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying account with us.",
        "additionalInfoUri": "https://www.unibank.com.au/banking/edvest-cash-management-account"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "You must be a member. Membership is open to current or retired employees, graduates and post-graduates and current students of an Australian university or family members of members (i.e. shareholders) of the Bank.",
        "additionalInfoUri": "https://www.unibank.com.au/banking/edvest-cash-management-account"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "Individuals must be citizens or permanent residents of Australia."
      }
    ],
    "fees": [
      {
        "name": "EDVEST_MEMBERSHIP",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "30.00"
        },
        "currency": "AUD",
        "additionalValue": "P1Y",
        "additionalInfo": "An annual charge debited from the Everyday Direct account on each Edvest membership in January and on a pro-rata basis for new Edvest members."
      }
    ],
    "depositRates": [
      {
        "depositRateType": "VARIABLE",
        "rate": "0.01",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "Edvest Cash Management account_Tier_1",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "0.00",
            "maximumValue": "1999.99",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ]
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.01",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "Edvest Cash Management account_Tier_2",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "2000.00",
            "maximumValue": "4999.99",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ]
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.01",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "Edvest Cash Management account_Tier_3",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "5000.00",
            "maximumValue": "9999.99",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ]
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.01",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "Edvest Cash Management account_Tier_4",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "10000.00",
            "maximumValue": "19999.99",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ]
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.01",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "Edvest Cash Management account_Tier_5",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "20000.00",
            "maximumValue": "49999.99",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ]
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.01",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "Edvest Cash Management account_Tier_6",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "50000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ]
      }
    ]
  }
}