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

Westpac FSG (PDF 66KB)

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 234KB)

Term Deposits for Personal Customers Term and Conditions (PDF 166KB)

Westpac Debit Mastercard for Personal Customers Terms and Conditions (PDF 372KB)

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 506KB)

Not for Sale Personal Accounts Interest Rates

General Insurance

Westpac FSG (PDF 66KB)

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 Product Disclosure Statements 

Home and Contents Insurance (applicable to policies with an effective date on or after 12 December 2021 or policies renewed on or after 22 November 2021) (PDF 991KB)

Premium, Excess, Discount and Options Guide (PED) (PDF 242KB)

Home and Contents Insurance (applicable to policies with an effective date in the period 20 August 2021 to 11 December 2021 or renewed in the period between 5 October 2021 and 21 November 2021) (PDF 609KB)

Home and Contents Insurance (applicable to policies with an effective date in the period 1 July 2021 19 August or renewed in the period 1 July 2021 - 4 October 2021) (PDF 623KB)

Home and Contents Insurance (applicable to policies issued or renewed with an effective date in the period 5 April 2021 and 30 June 2021) (PDF 461KB)

Home and Contents Insurance (applicable to policies issued or renewed with an effective date in the period 1 July 2019 and 4 April 2021) (PDF 339KB)


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 

Landlord Insurance (applicable to policies with an effective date on or after 12 December 2021 or policies renewed on or after 22 November 2021) (PDF 1MB)

Premium, Excess, Discount and Options Guide (PED) (PDF 237KB)

Landlord Insurance (applicable to policies with an effective date in the period 20 August 2021 to 11 December 2021 or renewed in the period between 5 October 2021 and 21 November 2021) (PDF 540KB)

Landlord Insurance (applicable to policies with an effective date in the period 1 July 2021 19 August or renewed in the period 1 July 2021 - 4 October 2021) (PDF 549KB)

Landlord Insurance (applicable to policies issued or renewed with an effective date in the period 5 April 2021 and 30 June 2021) (PDF 428KB)

Landlord Insurance (applicable to policies issued or renewed with an effective date in the period 1 July 2019 and 4 April 2021) (PDF 349KB)


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

Home Building KFS (PDF 89KB)

Home Contents KFS (PDF 91KB)

Landlord Building KFS (PDF 89KB)

Landlord Contents KFS (PDF 90KB)

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)

Motor Insurance Product Disclosure Statement (for New Business policies commencing from 01 December 2018 or renewals from 26 January 2019 to 4 April 2021) (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 81KB)

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) (PDF 561KB)

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

Caravan and Trailer Insurance Product Disclosure Statement (PDS) (for New Business policies or Renewals commencing from 5 October 2021) (PDF 149KB)

Caravan and Trailer Insurance Product Disclosure Statement (for New Business policies commencing 22 February 2021 or renewals from 5 April 2021) (PDF 110KB)

Caravan and Trailer Insurance Product Disclosure Statement (applicable to policies issued or renewed in the period between 1 July 2019 to 21 February 2021)  (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)

A target market determination has been made for this product. Please call 1800 502 077 for the target market determination.

Institutional Bank - Financial Markets

Westpac FSG (PDF 66KB)

Foreign Exchange and Foreign Exchange Derivatives

Foreign Exchange Option (PDF 136KB)

Foreign Exchange Swap PDS (PDF 171KB)

Foreign Exchange Transaction PDS (PDF 176KB)

Flexi Forward Contract (PDF 130KB)

Participating Forward Contract (PDF 94KB)

Range Forward Contract (PDF 190KB)

Foreign Currency Accounts

Foreign Currency Account Terms & Conditions (PDF 291KB)

Foreign Currency Term Deposit Product Disclosure Statement (PDF 325KB)

Online Banking

Westpac FSG (PDF 66KB)

Online Banking Terms and Conditions (PDF 503KB)

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 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 66KB)

Periodical Payments Terms and Conditions (PDF 46KB)

Life and income insurance

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

BT Super for Life PDS

Westpac FSG (PDF 66KB)

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.

Privacy Notice (PDF 54KB)

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)

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

Westpac FSG (PDF 66KB)

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

To view PDF files you need Adobe Acrobat Reader. Use Adobe's online PDF conversion tools to convert to another format.

BPAY® is a registered trademark of BPAY Pty Ltd ABN 69 079 137 518.