Personal customers' disclosure documents

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

Online Investing Terms and Conditions

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

Westpac FSG (PDF 85KB)

Direct Entry PDS (PDF 128KB)

Bank Accounts

For accounts including Westpac Choice, Cash Manager, Westpac eSaver, Term Deposit, Basic, Westpac 55+ and Retired and DIY Super please read the below Terms and Conditions

Deposit Accounts for Personal and Self Managed Superannuation Fund Customers - Terms and Conditions (PDF 1009KB)

Term Deposits for Personal Customers Term and Conditions (PDF 3MB)

Westpac Debit Mastercard for Personal Customers Terms and Conditions (PDF 129KB)

Westpac Emergency Cash and Westpac Cardless Cash - Terms and conditions (PDF 91KB)

For personal accounts that are no longer available for sale including Westpac Choice eAccount, Westpac Passbook 55+ and Retired (previously Deeming Passbook), Passbook, Premium Saver, Personal Cheque, Westpac One, Westpac One Premium, Westpac One Basic, Classic Plus, Bonus Saver, 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 406KB)

Not for Sale Personal Accounts Interest Rates

General Insurance

Westpac FSG (PDF 85KB)

Travel Insurance

Travel Insurance Product Disclosure Statement (PDF 414KB)

Travel Insurance Product Disclosure Statement and Supplementary Product Disclosure Statement (applicable to policies initially issued in the period between 1 November 2018 and 30 June 2019) (PDF 817KB)

Home and Contents Insurance

Home and Contents Insurance Product Disclosure Statement and Supplementary Product Disclosure Statements (applicable to policies issued or renewed on or after 1 July 2019) (PDF 339KB)

Home and Contents Insurance Product Disclosure Statement and Supplementary Product Disclosure Statement (applicable to policies initially issued in the period between 30 June 2018 and 30 June 2019; or renewed in the period between 30 July 2018 and 30 June 2019) (PDF 328KB)

Landlord Insurance

Landlord Insurance Product Disclosure Statement and Supplementary Product Disclosure Statements (applicable to policies issued or renewed on or after 1 July 2019) (PDF 349KB)

Landlord Insurance Product Disclosure Statement and Supplementary Product Disclosure Statement (applicable to policies initially issued in the period between 30 June 2018 and 30 June 2019; or renewed in the period between 30 July 2018 and 30 June 2019) (PDF 337KB)

Home and Contents Insurance Key Facts Sheets (KFS)

Home Building Essential Care KFS (PDF 152KB)

Home Contents Essential Care KFS (PDF 176KB)

Home Building Quality Care KFS (PDF 154KB)

Home Contents Quality Care KFS (PDF 177KB)

Home Building Premier Care KFS (PDF 151KB)

Home Contents Premier Care KFS (PDF 182KB)

Car Insurance

Motor Insurance Product Disclosure Statement (for New Business policies commencing from 01 December 2018 or renewals from 26 January 2019) (PDF 115KB)

Car Insurance Product Disclosure Statement (for New Business policies commencing from 19 February 2018 or renewals from 26 March 2018 to 01 December 2018) (PDF 738KB)

Premium, Excess, Discount and Options Guide (PED) (PDF 149KB)

Car Insurance Product Disclosure Statement (for New Business policies commencing from 19 November 2016 or renewals from 31 December 2016 to the 18 February 2018) (PDF 183KB)

Prestige Motor Insurance Product Disclosure Statement (for New Business policies from 26 October 2015 to 18 November 2016)

Caravan & Trailer Insurance

Caravan and Trailer Insurance Product Disclosure Statement  (PDF 223KB)

Caravan and Trailer Insurance Product Disclosure Statement (applicable to policies issued or renewed in the period between 17 December 2017 and 30 June 2019) (PDF 269KB)

Institutional Bank - Financial Markets

Westpac FSG (PDF 85KB)

Foreign Exchange and Foreign Exchange Derivatives

Foreign Exchange Option (PDF 483KB)

Non-Deliverable Option (PDF 411KB)

Foreign Exchange Swap PDS (PDF 273KB)

Foreign Exchange Transaction PDS (PDF 417KB)

Flexi Forward Contract (PDF 398KB)

Participating Forward Contract (PDF 405KB)

Range Forward Contract (PDF 403KB)

Smart Forward Contract (PDF 405KB)

Knock-Out Smart Forward Contract PDS (PDF 403KB)

Ratio Smart Forward Contract PDS (PDF 408KB)

Bonus Forward Contract PDS (PDF 397KB)

Window Smart Forward Contract PDS (PDF 418KB)

Enhanced Forward Contract PDS (PDF 397KB)

Non-Deliverable Forward Transactions PDS (PDF 415KB)

Ladder Forward Contract (PDF 401KB)

Reset Forward Contract (PDF 412KB)

Target Forward Contract (PDF 527KB)

Foreign Currency Accounts

Foreign Currency Account Terms & Conditions (PDF 142KB)

Foreign Currency Term Deposit Product Disclosure Statement (PDF 118KB)

Online Banking

Westpac FSG (PDF 85KB)

Online Banking Terms and Conditions (PDF 1MB)

Ways to pay on the go

Google Pay Terms and Conditions (PDF 695KB)

Samsung Pay Terms and Conditions (PDF 389KB)

PayWear Terms and Conditions (PDF 76KB)

Fitbit Pay Terms and Conditions (PDF 1MB)

Investment and Superannuation

BT Investor Choice Funds PDS including Westpac Cash Management Trust

BT Super for Life PDS

BT Super for Life Financial Services Guide

BT Super for Life Additional Information

BT Super Invest Product Disclosure Statement

BT Super Invest Additional Information Booklet

BT Super Invest Investment Options Booklet

Panorama Financial Services Guide

BT Protection Plans Product Disclosure Statement and Policy Document

Periodical Payments

Westpac FSG (PDF 85KB)

Periodical Payments Terms and Conditions (PDF 33KB)

Life and income insurance

FSG for BT Super for Life Trustee (PDF 292KB)

BT Super for Life PDS

Westpac FSG (PDF 85KB)

Westpac Protection Plans PDS (PDF 1MB)

Westpac Protection Plans Product Update 1 July 2017 (PDF 114KB)

For Term Life, Term Life as Superannuation, Living Insurance, Income Protection, Income Protection Plus, TPD Insurance and Business Overheads insurance.

Westpac Protection Plans for Mortgage Customers Product Update 1 July 2017 (PDF 111KB)

Privacy Statement (PDF 543KB)

Summary of the Appointed Actuary Report On the Proposed Restructure of Statutory Funds of WLISL - 18 July 2017 (PDF 793KB)

Legal Notice - Statutory Fund Restructure 1 July 2017 (PDF 89KB)

Important Notice for Protection Plans (PDF 141KB)

Important Notice for Protection Plans for Mortgage Customers (PDF 141KB)

Telephone Banking

Westpac FSG (PDF 85KB)

Personal Telephone Banking Terms and Conditions (PDF 504KB)

Foreign language Financial Services Guides

Our foreign language Financial Services Guides are currently being updated.