Personal customers' disclosure documents
This page contains links to Westpac's disclosure documents for personal customers.
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
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 1007KB)
Term Deposits for Personal Customers Term and Conditions (PDF 283KB)
Westpac Debit Mastercard for Personal Customers Terms and Conditions (PDF 3MB)
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 1MB)
Not for Sale Personal Accounts Interest Rates
General Insurance
Travel Insurance
Travel Insurance Product Disclosure Statement (PDF 414KB)
Home and Contents Insurance Product Disclosure Statements
A target market determination has been made for this product. Please visit www.westpac.com.au/tmd for the target market determination.
Landlord Insurance Product Disclosure Statements
A target market determination has been made for this product. Please visit www.westpac.com.au/tmd for the target market determination.
Home & Contents and Landlord Insurance Key Facts Sheets
Car Insurance
Premium, Excess, Discount and Options Guide (PED) (PDF 81KB)
A target market determination has been made for this product. Please visit www.westpac.com.au/tmd for the target market determination.
Caravan & Trailer Insurance
A target market determination has been made for this product. Please call 1800 502 077 for the target market determination.
Institutional Bank - Financial Markets
Foreign Exchange and Foreign Exchange Derivatives
Foreign Exchange Option (PDF 136KB)
Foreign Exchange Swap PDS (PDF 171KB)
Foreign Exchange Transaction PDS (PDF 252KB)
Flexi Forward Contract (PDF 130KB)
Participating Forward Contract (PDF 94KB)
Range Forward Contract (PDF 224KB)
Foreign Currency Accounts
Foreign Currency Account Terms & Conditions (PDF 291KB)
Foreign Currency Term Deposit Product Disclosure Statement (PDF 325KB)
Online Banking
Online Banking Terms and Conditions (PDF 236KB)
Ways to pay on the go
Apple Pay Terms and Condition (PDF 79KB)
Google Pay Terms and Conditions (PDF 680KB)
Samsung Pay Terms and Conditions (PDF 389KB)
PayWear Terms and Conditions (PDF 46KB)
Fitbit Pay Terms and Conditions (PDF 43KB)
Investment and Superannuation
BT Investor Choice Funds PDS including Westpac Cash Management Trust
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
Periodical Payments Terms and Conditions (PDF 46KB)
Life and income insurance
FSG for BT Super for Life Trustee (PDF 292KB)
BT Protection Plans (PDF 180KB)
For Term Life, Term Life as Superannuation, Living Insurance, Income Protection, Income Protection Plus, TPD Insurance and Business Overheads insurance.
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)
Life Insurance - Product Update - August 2021 (PDF 216KB)
A target market determination has been made for this product. Please visit www.westpac.com.au/tmd for the target market determination.
Telephone Banking
Personal Telephone Banking Terms and Conditions (PDF 191KB)
Foreign language Financial Services Guides
Our foreign language Financial Services Guides are currently being updated.
Things you should know
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