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 1MB)
Term Deposits for Personal Customers Term and Conditions (PDF 202KB)
Westpac Debit Mastercard for Personal Customers Terms and Conditions (PDF 206KB)
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 311KB)
Not for Sale Personal Accounts Interest Rates
General Insurance
Travel Insurance
Travel Insurance Product Disclosure Statement (PDF 414KB)
Home and Contents Insurance
Landlord Insurance
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
Premium, Excess, Discount and Options Guide (PED) (PDF 81KB)
Caravan & Trailer Insurance
Institutional Bank - Financial Markets
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)
Non-Deliverable Forward Transactions PDS (PDF 415KB)
Foreign Currency Accounts
Foreign Currency Account Terms & Conditions (PDF 3MB)
Foreign Currency Term Deposit Product Disclosure Statement (PDF 1MB)
Online Banking
Online Banking Terms and Conditions (PDF 277KB)
Ways to pay on the go
Apple Pay Terms and Condition (PDF 1MB)
Google Pay Terms and Conditions (PDF 680KB)
Samsung Pay Terms and Conditions (PDF 389KB)
PayWear Terms and Conditions (PDF 36KB)
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 33KB)
Life and income insurance
FSG for BT Super for Life Trustee (PDF 292KB)
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)
Telephone Banking
Personal Telephone Banking Terms and Conditions (PDF 504KB)
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.