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Terms & Conditions

Find our important information on Financial Services Guides, Product Disclosure Statements and Terms and Conditions.

Important information

Target Market Determinations

From 5th October 2021, the Design and Distribution Obligations (DDO) require product issuers to have a Target Market Determination (TMD) in place for certain products they offer.

Financial Services Guide (FSG)

A Financial Services Guide (FSG) describes the financial services offered by, and important information about, a financial services licensee. Westpac Banking Corporation holds an Australian Financial Services Licence (AFSL) AFSL No 233714.

Westpac FSG (PDF 238KB)

Westpac Securities Limited and Australian Investment Exchange Ltd FSGs

Credit Guide (CG)

Credit Guide (CG) provides important information about a licensee's obligations in relation to consumer lending products regulated by the National Credit Code.  Effective 1 March 2011, Westpac holds an Australian Credit Licence (ACL) No. 233714.

Westpac Credit Guide (PDF 68KB)

The Banking Code of Practice

The Banking Code of Practice sets the standards of practice and service in the Australian banking industry. The Code applies to individual and small business customers, as well as their individual guarantors. More information about the Code can be found here.

Retail payment service availability

Each quarter you'll find the most recent report detailing the reliability of the seven retail payment services you might use with us. Past reports can also be found on this page. Find out more.


Things you should know

A Product Disclosure Statement (PDS) is a document, or sometimes a group of documents, that contains information about a financial product including any significant benefits and risks, the cost of the financial product and the fees and charges that the financial product issuer may receive. Supplementary PDSs may be issued from time to time and must be read in conjunction with the PDS to which they relate.

This website also contains other disclosure documents such as prospectuses, product information statements (PIS), annual reports and product offerings.