Personal customers' disclosure documents
This page contains links to Westpac's disclosure documents for personal customers.
How to obtain a PDS or FSG
This page provides you with electronic access to the PDSs for financial products and services that are identified on this website and that are issued by Westpac Banking Corporation, product issuers within the Westpac Group of Companies and non related third party product issuers, together with electronic access to the FSGs for these companies.
Please note that some PDSs are not yet available and that some financial products, such as bank products and margin loans, are not required to have a PDS.
Other disclosure documents
In addition to PDSs and FSGs this website also contains other disclosure documents such as prospectuses, product information statements (PIS), annual reports and product offerings.
Online Investing
Westpac Securities Limited and Australian Investment Exchange Ltd FSG (PDF 530kb)
Online Investing Terms and Conditions (PDF 225kb)
Online Investing through Westpac Securities Limited ABN 39 087 924 221 AFSL 233723 is a service provided by Australian Investment Exchange Ltd ABN 71 076 515 930 AFSL 241400, a participant of the ASX Group.
Direct Entry
Bank Accounts
For accounts including Westpac Choice eAccount, Choice, Reward Saver, Cash Manager, Westpac eSaver, Term Deposit, Basic and Deeming please read the below Terms and Conditions
Term Deposits for Personal Customers Term and Conditions (PDF 141kb)
Westpac Debit MasterCard for Personal Customers Terms and Conditions (PDF 275kb)
For personal accounts that are no longer available for sale including Basic, Deeming Passbook, Passbook, Premium Saver, Personal Cheque, Westpac One, Westpac One Premium, Westpac One Basic, Classic Plus, Cash Management, Cash Management Account Investor Option and Max-i Direct read the Terms and Conditions for personal customers below.
Not for Sale Personal Accounts Terms and Conditions (PDF 357kb)
Not for Sale Personal Accounts Interest Rates (PDF 108kb)
Accounts opened in-stores
In-stores – Our Commitment to You (PDF 170kb)
General Insurance
Credit Card Repayment Protection PDS (PDF 198kb)
Home and Contents Insurance including Landlord's Protection PDS (PDF 732kb)
Personal Loan Protection PDS (PDF 220kb)
Institutional Bank - Financial Markets
Foreign Exchange and Foreign Exchange Derivatives
Foreign Exchange Knock-Out Call Option PDS (PDF 96kb)
Foreign Exchange Knock-Out Put Option PDS (PDF 96kb)
Foreign Exchange Call Option PDS (PDF 91kb)
Foreign Exchange Put Option PDS (PDF 91kb)
Foreign Exchange Sold Knock-In Call Option PDS (PDF 97kb)
Foreign Exchange Sold Knock-In Put Option PDS (PDF 97kb)
Foreign Exchange Sold Call Option PDS (PDF 94kb)
Foreign Exchange Sold Put Option PDS (PDF 94kb)
Foreign Exchange Swap PDS (PDF 100kb)
Foreign Exchange Transaction PDS (PDF 601kb)
Flexi Forward Contract (PDF 164kb)
Forward Plus Contract (PDF 174kb)
Participating Forward Contract (PDF 165kb)
Range Forward Contract (PDF 151kb)
Smart Forward Contract (PDF 169kb)
Knock-Out Smart Forward Contract PDS (PDF 176kb)
Ratio Smart Forward Contract PDS (PDF 180kb)
Bonus Forward Contract PDS (PDF 168kb)
Window Smart Forward Contract PDS (PDF 175kb)
Enhanced Forward Contract PDS (PDF 170kb)
Non-Deliverable Forward Transactions PDS (PDF 198kb)
Foreign Currency Accounts
Foreign Currency Account PDS (PDF 191kb)
Foreign Currency Account - Interest Rate Sheet PDS (PDF 48kb)
Foreign Currency Term Deposit PDS (PDF 109kb)
Money Market
11am At Call Deposit PDS (PDF 95kb)
Capital Markets and Interest Rate Derivatives
Bank Bill Option PDS (PDF 89kb)
Interest Rate Cap PDS (PDF 93kb)
Interest Rate Collar PDS (PDF 95kb)
Interest Rate Floor PDS (PDF 91kb)
Interest Rate Swap PDS (PDF 97kb)
Interest Rate Smart Bill PDS (PDF 134kb)
Knock-Out Bill PDS (PDF 206kb)
Participating Bill (PDF 150kb)
Retirement Deposits
Range Accrual Deposit PDS (PDF 860kb)
Coupon Select Deposits PDS (PDF 775kb)
Inflation Linked Deposits PDS (PDF 416kb)
CPI Plus Deposit PDS (PDF 785kb)
Online Banking
Online Banking Terms and Conditions (PDF 132kb)
Investment and Superannuation
BT Investor Choice Funds PDS including Westpac Cash Management Trust (PDF 918kb)
FSG for BT Super for Life Trustee (PDF 86kb)
BT Super for Life PDS (PDF 828kb)
Flexible Income Plan PDS (PDF 2.44mb)
Lifetime Superannuation Service PDS (PDF 731kb)
Westpac Foundation Plans PDS (PDF 206kb)
Westpac Guaranteed Income Plan PDS (PDF 2.22mb)
Westpac Guaranteed Income Plan Policy Document (PDF 179kb)
Westpac Personal Superannuation Funds 2007/2008 Annual Report (PDF 2.03mb)
Periodical Payments
Periodical Payments Terms and Conditions (PDF 97kb)
Life and income insurance
FSG for BT Super for Life Trustee (PDF 86kb)
BT Super for Life PDS (PDF 1.4mb)
Accidental Death Plan PDS (PDF 52kb)
Westpac Estate Plan PDS (PDF 79kb)
Westpac Future Cover PDS (PDF 56kb)
Westpac Protection Plans PDS (PDF 2.43mb)
For Term Life, Term Life as Superannuation, Living Insurance, Income Protection, Income Protection Plus, TPD Insurance and Business Overheads insurance.
Mortgage Secure PDS (PDF 1.0mb)
Telephone Banking
Personal Telephone Banking Terms and Conditions (PDF 128kb)
Foreign language Financial Services Guides
Our foreign language Financial Services Guides are currently being updated.
Things you should know
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