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 103KB)

Direct Entry PDS (PDF 477KB)

Bank Accounts

For accounts including Westpac Choice, Reward Saver, 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 1MB)

Term Deposits for Personal Customers Term and Conditions (PDF 110KB)

Westpac Debit Mastercard for Personal Customers Terms and Conditions (PDF 149KB)

Westpac Emergency Cash and Westpac Cardless Cash - Terms and conditions (PDF 117KB)

Westpac Tap and Pay - Terms and Conditions (PDF 53KB)

Westpac Android Pay - Terms and Conditions (PDF 704KB)

Westpac Samsung Pay - Terms and Conditions (PDF 389KB)

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 429KB)

Not for Sale Personal Accounts Interest Rates (PDF 417KB)

General Insurance

Westpac FSG (PDF 103KB)

Credit Card Repayment Protection PDS (PDF 202KB)

Personal Loan Protection PDS (PDF 204KB)

Travel Insurance

Travel Insurance PDS (PDF 407KB)

Home and Contents Insurance

Home and Contents Insurance Product Disclosure Statement (applicable to policies initially issued on or after 26 October 2015) (PDF 11MB)

Home and Contents Insurance Product Disclosure Statement (applicable to current policies last renewed before 28 December 2015) (PDF 11MB)

Home and Contents Insurance Product Disclosure Statement and Supplementary Product Disclosure Statement (applicable to current policies last renewed on or after 28 December 2015) (PDF 501KB)

Landlord Insurance

Landlord Insurance Product Disclosure Statement (applicable to policies initially issued on or after 26 October 2015) (PDF 230KB)

Landlord Insurance Product Disclosure Statement and Supplementary Product Disclosure Statement (applicable to policies last renewed before 28 December 2015) (PDF 429KB)

Landlord Insurance Product Disclosure Statement and Supplementary Product Disclosure Statement (applicable to policies last renewed on or after 28 December 2015) (PDF 456KB)

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

Car Insurance Product Disclosure Statement (for New Business policies commencing from 20 November 2016 or renewals from 1st January 2017) (PDF 150KB)

Prestige Motor Insurance Product Disclosure Statement (for New Business policies from 26 October 2015 to 19 November 2016)

Caravan & Trailer Insurance

Caravan and Trailer Insurance Product Disclosure Statement (PDF 519KB)

Institutional Bank - Financial Markets

Westpac FSG (PDF 103KB)

Foreign Exchange and Foreign Exchange Derivatives

Foreign Exchange Option (PDF 542KB)

Non-Deliverable Option (PDF 590KB)

Foreign Exchange Swap PDS (PDF 101KB)

Foreign Exchange Transaction PDS (PDF 749KB)

Flexi Forward Contract (PDF 544KB)

Participating Forward Contract (PDF 540KB)

Range Forward Contract (PDF 454KB)

Smart Forward Contract (PDF 547KB)

Knock-Out Smart Forward Contract PDS (PDF 557KB)

Ratio Smart Forward Contract PDS (PDF 467KB)

Bonus Forward Contract PDS (PDF 536KB)

Window Smart Forward Contract PDS (PDF 600KB)

Enhanced Forward Contract PDS (PDF 624KB)

Non-Deliverable Forward Transactions PDS (PDF 179KB)

Foreign Currency Accounts

Foreign Currency Account Terms & Conditions (PDF 91KB)

Foreign Currency Term Deposit Product Disclosure Statement (PDF 2MB)

Tailored Deposits

Range Accrual Deposit PDS (PDF 290KB)

Coupon Select Deposits PDS (PDF 297KB)

Inflation Linked Deposits PDS (PDF 316KB)

CPI Plus Deposit PDS (PDF 210KB)

Retirement Deposit PDS (PDF 240KB)

Online Banking

Westpac FSG (PDF 103KB)

Online Banking Terms and Conditions (PDF 237KB)

BCPay PDS (PDF 71KB)

Investment and Superannuation

Westpac FSG (PDF 103KB)

BT Investor Choice Funds PDS including Westpac Cash Management Trust (PDF 2MB)

BT Super for Life PDS

BT Super for Life Financial Services Guide

BT Super for Life Additional Information

Flexible Income Plan PDS (PDF 2MB)

Westpac Guaranteed Income Plan PDS (PDF 1MB)

Westpac Guaranteed Income Plan Policy Document (PDF 143KB)

Periodical Payments

Westpac FSG (PDF 103KB)

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 103KB)

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 Disclosure Statement (PDF 156KB)

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

Privacy Statement (PDF 26KB)

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)

Telephone Banking

Westpac FSG (PDF 103KB)

Personal Telephone Banking Terms and Conditions (PDF 94KB)

Foreign language Financial Services Guides

Our foreign language Financial Services Guides are currently being updated.