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We're committed to helping you avoid or minimise the fees you pay and ensuring you have the right products and services to meet your needs.

Fees and any other charges related to your product or service are outlined in the Product Disclosure Statements (PDS) or the Consumer Credit Card Conditions of Use. We recommend you read these documents and ask us about anything you don't understand.

'Exception Fees' is a collective reference to Account Overdrawn Fees (AOF), Outward Dishonour Fees (ODF), Inward Dishonour Fees (IDF), Credit Card Missed Payment Fees (CCMPF) and Credit Card Overlimit Fees (CCOLF).

For help simply visit a branch or call us on 132 032. For credit card enquiries, please call us on 1300 651 089.

A summary of exception fees on Westpac's consumer accounts and how they may be avoided

Fee	Amount	Further information
Account Overdrawn Fee (AOF)	$401	What is this fee and how can it be avoided?
Outward Dishonour Fee (ODF)	$351	What is this fee and how can it be avoided?
Periodical Payment Not Made Fee (PPNMF)	$351	What is this fee and how can it be avoided?
Inward Dishonour Fee (IDF)	We don't charge an IDF on consumer accounts	Not applicable
Credit Card Missed Payment Fee (CCMPF)	$35	What is this fee and how can it be avoided?
Credit Card Overlimit Fee (CCOLF)	$35	What is this fee and how can it be avoided?

1. $10 for Westpac One Basic accounts, Basic Accounts and selected accounts* with a Student or Youth Package. (*Westpac OneMain, OneSave, Westpac Choice and Westpac Reward Saver).

Current as at 30 November 2007

Account Overdrawn Fee (AOF) - What is it and how is it charged?

• An AOF is charged to the account on each day that we honour a cheque or other debit, where doing so causes the account to become overdrawn (or increases an existing overdraft beyond the agreed limit) without prior arrangement or authorisation from us
• An AOF will only be generated by a customer initiated transaction resulting in an account being overdrawn
• An AOF applies to all transaction, savings and mortgage accounts subject to customer initiated debit transactions

• Check balances regularly via a Westpac ATM, Telephone Banking, or Internet Banking to ensure there are sufficient cleared funds available to make scheduled payments. Please note there may be a fee on certain accounts if more than 12 Telephone Banking enquiries are made per month
• Set up a due date to process the payment a day after scheduled payment of cleared funds are made to the account
• Maintain a consistent surplus balance to ensure there are sufficient cleared funds available when scheduled payments are processed
• Ensure sufficient cleared funds are available in the account prior to writing a cheque
• Establish an automatic transfer or automatic replenishment to ensure there are sufficient cleared funds available when the scheduled payment is due. Please note there is a fee for this service
• Consider an alternative method for scheduled payments, eg salary disbursement, BPAY or Internet Banking
• Set up your direct debit to draw from an alternate applicable account (eg credit card, loan account)
• Investigate the possibility of a permanent overdraft
• Set a reminder in your diary, organiser, computer or mobile phone for the day before a scheduled payment is due. This way you can ensure there are sufficient cleared funds in your account for the payment
• Use our Budget Planner

• An ODF or PPNMF is charged to the account where a cheque, direct debit or periodical payment is dishonoured
• An ODF or PPNMF will be charged in each instance that a customer's cheque, direct debit or periodical payment is dishonoured
• An ODF or PPNMF applies to all transaction, savings and mortgage accounts subject to customer initiated debit transactions

• Check balances regularly via a Westpac ATM, Telephone Banking, or Internet Banking to ensure there are sufficient cleared funds available to make scheduled payments. Please note there may be a fee on certain accounts if more than 12 Telephone Banking enquiries are made per month
• Set up a due date to process the payment a day after scheduled payment of cleared funds are made to the account
• Maintain a consistent surplus balance to ensure there are sufficient cleared funds available when scheduled payments are processed
• Ensure sufficient cleared funds are available in your account prior to writing a cheque
• Establish an automatic transfer or automatic replenishment to ensure there are sufficient cleared funds available when the scheduled payment is due. Please note there is a fee for this service
• Consider an alternative method for scheduled payments, eg salary disbursement, BPAY or Internet Banking
• Set up the direct debit to draw from an alternate applicable account (eg credit card, loan account)
• Investigate the possibility of a permanent overdraft
• Set a reminder in your diary, organiser, computer or mobile phone for the day before a scheduled payment is due. This way you can ensure there are sufficient cleared funds in your account for the payment

• A CCMPF is charged to a credit card account if the required minimum monthly payment from the previous statement has been missed. This fee will be charged soon after the payment due date is missed or on the day the next statement is issued
• A CCMPF applies to all credit card accounts

• Set up Card Autopay, a free service that automatically pays the minimum monthly payment or a nominated amount to the credit card monthly
• Set a reminder in your diary, organiser, computer or mobile phone for the day before the monthly payment is due.

• A CCOLF is charged to credit card accounts when any transaction takes the balance of the account over the credit limit or if the balance of the account is over the credit limit at a statement date
• A CCOLF is charged each time the credit limit is exceeded during a statement cycle
• If the account balance returns below limit, and then a further transaction occurs to push the account overlimit, once again, a CCOLF will be charged

• Overlimit fees can be avoided by ensuring spend is within the credit limit
• Obtain regular balances via a Westpac ATM, Telephone Banking, and Internet Banking to ensure there are sufficient cleared funds to conduct transactions without exceeding limits
• Maintain a buffer to your account to ensure all direct debits and other scheduled payments can be made
• Investigate the possibility of an increase in credit card limit
• Use our Budget Planner