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Terms and 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 Guides

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 233714, and an Australian Credit Licence 233714 (effective 1 March 2011). BankSA is a division of Westpac Banking Corporation.

BankSA FSG - Banking Services

BT Advice Financial Services Guide

Banking Code of Practice

The Banking Code of Practice is a voluntary code of conduct for member banks of the Australian Bankers Association. It sets standards of good banking practice for banks to follow when dealing with individual and small business customers, prospective customers and guarantors.

Credit Guide

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 No. 233714.

Retail payment service availability disclosure documents

Read quarterly reports detailing the reliability of the seven retail payment services you might use with us.

Important information

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.