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A Product Disclosure Statement (or PDS) is a document (or sometimes a group of documents) that contains information about a financial product, including any significant benefits and risks, the cost of the financial product and the fees and charges that the financial product issuer may receive. Supplementary PDSs may be issued from time to time and must be read in conjunction with the PDS to which they relate.

A Financial Services Guide (or FSG) describes the financial services offered by, and important information about, a financial services licensee. Westpac Banking Corporation holds an Australian Financial Services Licence (AFSL). AFSL No 233714.

Westpac FSG (PDF 218kb)

Broking FSG (PDF 842kb)

FSG for BT Super for Life Trustee (PDF 86kb)

View our foreign language Financial Services Guides.

How to obtain a PDS or FSG
This page provides you with electronic access to the PDS's 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 FSG's for these companies.

Please note that some PDS's 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 PDS's and FSG's this website also contains other disclosure documents such as; prospectuses, product information statements (PIS), annual reports and product offerings.

Broking
Corporate Online
DeskBank
Direct Entry
Bank Accounts
General Insurance
Institutional Bank - Financial Markets
Institutional Bank - Transactional Banking
Internet Banking
Investment and Superannuation
Life and income insurance
Listpay
BCPay
Periodical Payments
Structured Equity Investments
Telephone Banking





Broking

Broking FSG (PDF 842kb)

Broking Terms and Conditions (PDF 191kb)

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Corporate Online

Westpac FSG (PDF 282kb)

Corporate Online PDS (PDF 260kb)

Corporate Online Fees and Charges (PDF 67kb)

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DeskBank

Westpac FSG (PDF 282kb)

DeskBank PDS (PDF 84kb)

DeskBank Fees and Charges (PDF 28kb)

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Direct Entry

Westpac FSG (PDF 282kb)

Direct Entry PDS (PDF 84kb)

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Bank Accounts

For Personal accounts including Westpac Choice eAccount, Choice, Reward Saver, Cash Manager, Westpac eSaver, Term Deposit, Classic Plus, Basic and Deeming read the Product Disclosure Statement (PDS) for personal customers.

Product Disclosure Statement - Deposit Accounts for Personal Customers: Terms and Conditions (PDF 986kb)

Product Disclosure Statement - Deposit Accounts for Personal Customers: Features, Fees and Charges (PDF 454kb)

Supplementary Product Disclosure Statement - Deposit Accounts for Personal Customers (PDF 134kb)

Supplementary Product Disclosure Statement - Deposit Accounts for Personal Customers (PDF 152kb)

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, Cash Management, Cash Management Account Investor Option and Max-i Direct read the Product Disclosure Statement (PDS) for personal customers below.

Not for Sale Personal Accounts Terms and Conditions (PDF 357kb)

Not for Sale Personal Accounts Fees and Charges (PDF 209kb)

Not for Sale Personal Accounts Interest Rates (PDF 108kb)

Business Accounts

Currently available for sale
Product Disclosure Statement- Deposit Accounts for Business Customers- Features, Fees and Charges (PDF 519kb)

Product Disclosure Statement- Deposit Accounts for Business Customers-Terms and Conditions for Business Customers (PDF 979kB)

Westpac Business Debit MasterCard® Terms and Conditions (PDF 195kb)

No longer available for sale
Product Disclosure Statement- Deposit Accounts for Business Customers (no longer available for sale)-Terms and Conditions for Business Customers (PDF 446kb)

Product Disclosure Statement- Deposit Accounts for Business Customers(no longer available for sale)- Features, Fees and Charges (PDF 192kb)

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General Insurance

Westpac FSG (PDF 282kb)

Credit Card Repayment Protection PDS (PDF 198kb)

Home and Contents Insurance including Landlord's Protection PDS
(PDF 732kb)

Personal Loan Protection PDS (PDF 220kb)

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Institutional Bank - Financial Markets

Westpac FSG (PDF 282kb)


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 187kb)

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)

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Foreign Currency Accounts

Foreign Currency Account PDS (PDF 119kb)

Foreign Currency Account - Interest Rate Sheet PDS (PDF 48kb)

Foreign Currency Term Deposit PDS (PDF 97kb)

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Money Market

11am At Call Deposit PDS (PDF 95kb)


Commodity Derivatives

Agricultural Swap Contract PDS (PDF 195kb)



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)

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Structured Equity Investments

Westpac Instalments PDS (PDF 1.40MB)

10-Year Westpac Self-Funding Instalments PDS (PDF 1.22Mb)

5-Year Westpac Self-Funding Instalments PDS (PDF 570kb)

Westpac Protected Equity Loan PDS (PDF 2.38MB)

Westpac Protected Equity Loan Supplementary PDS (PDF 497kb)

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Institutional Bank - Transactional Banking

Westpac FSG (PDF 282kb)

Corporate Transaction Accounts PDS (PDF 537kb)

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Internet Banking

Westpac FSG (PDF 282kb)

Internet Banking and BPAY PDS (PDF 135kb)

BCPay PDS (PDF 81kb)

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Investment and Superannuation

Westpac FSG (PDF 282kb)

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 1.66Mb)

Flexible Income Plan PDS (PDF 2.44MB)

Lifetime Superannuation Service PDS (PDF 731kb)

Westpac Foundation Plans PDS (PDF 206kb)

Westpac Instalments PDS (PDF 1.40MB)

10-Year Westpac Self-Funding Instalments PDS (PDF 1.22Mb)

5-Year Westpac Self-Funding Instalments PDS (PDF 570kb)

Westpac Protected Equity Loan PDS (PDF 2.63MB)

Westpac Protected Equity Loan Supplementary PDS (PDF 497kb)

Westpac Guaranteed Income Plan PDS (PDF 2.22MB)

Westpac Guaranteed Income Plan Policy Document (PDF 179kb)

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Listpay

Westpac FSG (PDF 282kb)

Listpay PDS (PDF 97kb)

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BCPay

Westpac FSG (PDF 282kb)

BCPay PDS (PDF 81kb)

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Periodical Payments

Westpac FSG (PDF 282kb)

Periodical Payments PDS (PDF 105kb)

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Life and income insurance

FSG for BT Super for Life Trustee (PDF 86kb)

BT Super for Life PDS (PDF 1.4Mb)

Westpac FSG (PDF 282kb)

Accidental Death Plan PDS (PDF 52kb)

Westpac Estate Plan PDS (PDF 117kb)

Westpac Future Cover PDS (PDF 56kb)

Westpac Protection Plans PDS (PDF 1.57Mb)
For Term Life, Term Life as Superannuation, Living Insurance, Income Protection, Income Protection Plus and Business Overheads insurance.

Westpac Well PDS (PDF 58kb)

Mortgage Secure PDS (PDF 161kb)

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Telephone Banking

Westpac FSG (PDF 282kb)

Personal Telephone Banking PDS (PDF 148kb)

Business Telephone Banking PDS (PDF 215kb)

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Foreign language Financial Services Guides

Westpac Supplementary FSG (PDF 79kb)

The Supplementary Financial Services Guide must be read together with the below Financial Services Guide (dated 11 April 2005).

Westpac FSG - Traditional Chinese (PDF 691kb)

Westpac FSG - Korean (PDF 494kb)

Westpac FSG - Japanese (PDF 635kb)

Westpac FSG - Vietnamese (PDF 408kb)

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