Personal customers' Terms & Conditions

This page contains links to Westpac's disclosure documents for personal customers.

Personal product and service categories


Direct Entry

Direct Entry PDS (PDF 383KB)


Foreign Currency Accounts

Foreign Currency Account Terms & Conditions (PDF 398KB)

Foreign Currency Term Deposit Product Disclosure Statement (PDF 149KB)

 

Foreign Exchange and Foreign Exchange Derivatives

Foreign Exchange Option PDS (PDF 369KB)

Foreign Exchange Swap PDS (PDF 383KB)

Foreign Exchange Transaction PDS (PDF 327KB)

Flexi Forward Contract PDS (PDF 133KB)

Participating Forward Contract PDS (PDF 2MB)

Range Forward Contract PDS (PDF 253KB)

Fixed FX Transaction PDS (PDF 335KB)


Foreign language Financial Services Guides

Our foreign language Financial Services Guides are currently being updated.


General insurance

Car Insurance

Motor Insurance Product Disclosure Statement (PDS) (for New Business policies or Renewals commencing from 5 October 2021) (PDF 375KB)

Motor Insurance Product Disclosure Statement (for New Business policies commencing 22 February 2021 or renewals from 5 April 2021) (PDF 353KB)

Premium, Excess, Discount and Options Guide (PED) (PDF 143KB)

Home and Contents Insurance Product Disclosure Statements 

Home and Contents Insurance (applicable to policies with an effective date on or after, or renewed on or after 21 December 2025) (PDF 1MB)

Home and Contents Insurance (applicable to policies with an effective date in the period 12 December 2021 to 20 December 2025, or renewed in the period between 22 November 2021 and 20 December 2025) (PDF 991KB)

Home & Contents and Landlord Insurance Key Facts Sheets

Home Building KFS (PDF 89KB)

Home Contents KFS (PDF 91KB)

Landlord Building KFS (PDF 89KB)

Landlord Contents KFS (PDF 90KB)

Landlord Insurance Product Disclosure Statements 

Landlord Insurance (applicable to policies with an effective date on or after, or renewed on or after 21 December 2025) (PDF 1MB)

Landlord Insurance (applicable to policies with an effective date in the period 12 December 2021 to 20 December 2025, or renewed in the period between 22 November 2021 to 20 December 2025) (PDF 1MB)

Other Insurance products

  • For Travel, Caravan & Trailer and Pleasure Craft PDSs please call Allianz on 1800 502 077.
  • For Life Insurance PDSs please call TAL on 1300 345 620.

Institutional Bank - Financial Markets

Global Order Execution Disclosure (PDF 204KB)

Allocations in bond offerings (PDF 358KB)

Westpac Financial Markets, Financial Adviser CPD Policy (PDF 52KB)

Westpac FX Global Code Liquidity Provider Disclosure Cover Sheet (PDF 282KB)

WBC FMSB Statement of Commitment 2022 (PDF 409KB)

Institutional Bank - Transactional Banking

Corporate Cash Accounts Terms & Conditions (PDF 713KB)

Investment and Superannuation

BT Investor Choice Funds PDS including Westpac Cash Management Trust

BT Super Invest Product Disclosure Statement

BT Super Invest Additional Information Booklet

BT Super Invest Investment Options Booklet

Panorama Financial Services Guide

Online Banking

Online Banking Terms and Conditions (PDF 713KB)

Share Trading

Westpac Share Trading and Australian Investment Exchange Ltd Financial Services Guide

Westpac Share Trading Terms and Conditions

PayID

PayID Terms and Conditions (PDF 101KB)

PayTo

PayTo Terms and Conditions (PDF 417KB)

Periodical Payments

Periodical Payments Terms and Conditions (PDF 713KB)

Personal Loans

Personal Loan Contract (PDF 268KB)

Flexi Loan General Conditions (PDF 335KB)

Telephone Banking

Telephone Banking Terms and Conditions (PDF 399KB)

Summary of changes, effective 10 June 2025 (PDF 118KB)

 

Travel Money Card

Westpac Worldwide Wallet Terms and Conditions (PDF 371KB)

Ways to pay on the go

Apple Pay Terms and Condition (PDF 160KB)

Google Pay Terms and Conditions (PDF 158KB)

Samsung Pay Terms and Conditions (PDF 147KB)