Personal customers' terms and conditions

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Select below to find the current T&Cs and recent changes.

Personal Transaction, Savings & Investment Accounts

Complete Freedom, Retirement Access Plus, Concession, Incentive Saver, Maxi Saver, Investment Cash

Summary of changes, effective 21 March 2025

Section reference	Description of change
Summary of Features All about Accounts. Section 3. Using your accounts. Bank@Post	Bank@Post™ - What you can do. Change for the daily limit to $8,000 for cash to deposits via Bank@Post participating Post Offices from per day to per transaction.

Section reference

Description of change

Summary of Features

All about Accounts. Section 3. Using your accounts. Bank@Post

Bank@Post™ - What you can do. 

Change for the daily limit to $8,000 for cash to deposits via Bank@Post participating Post Offices from per day to per transaction.

Summary of changes, effective 27 March 2026

Section reference	Description of change
Summary of Features Clause 3. Using your accounts Section: BPAY Sub-section: What you can do with BPAY	Updated content to reflect that registration for BPAY View will no longer be supported from 27 March 2026, and customers will no longer receive bills through BPAY View from 31 May 2026.

Section reference

Description of change

Summary of Features

Clause 3. Using your accounts

Section: BPAY

Sub-section: What you can do with BPAY

Updated content to reflect that registration for BPAY View will no longer be supported from 27 March 2026, and customers will no longer receive bills through BPAY View from 31 May 2026.

Summary of changes, effective 15 April 2026

Section reference	Description of change
Summary of Features Clause 6. How and when we pay interest Subclause: When will you be eligible for bonus interest:	A new bullet point has been added under Note: The bonus eligibility criteria must be met with transactions cleared in your account before 9:59pm (Sydney time) on the last business day of the month. The third bullet point has been amended under Note: The line “Any transaction processed before 11:59pm may impact bonus interest eligibility.” has been removed

Section reference

Description of change

Summary of Features

Clause 6. How and when we pay interest

Subclause: When will you be eligible for bonus interest:

A new bullet point has been added under Note: 

The bonus eligibility criteria must be met with transactions cleared in your account before 9:59pm (Sydney time) on the last business day of the month.

The third bullet point has been amended under Note:

The line “Any transaction processed before 11:59pm may impact bonus interest eligibility.” has been removed

Personal Debit Cards

Visa Debit Card

Debit Cards Terms and Conditions

Internet & Phone Banking

Internet Banking and Phone Banking - Terms and Conditions and Important Information

Term Deposits

Summary of changes, effective 16 January 2026

Section reference	Description of change
Section 1 – Accounts Sub-section 3 Interest Clause 3.12	Replaced Clause 3.12 with: Where the interest payment frequency is monthly, half-annually or annually, interest is paid on the anniversary date relating to your account opening. Where you have nominated your interest to be paid to another account you hold with us: * if your anniversary interest payment date falls on the 29^th, 30^th or 31^st of a month which does not have that date (like February), it will, subject to the next bullet point, be adjusted based on the days available in that month and paid on the last day of that month. * if the interest payment date falls on a non-working day, it will be paid and count towards the balance of your nominated account from the next working day (including for the purposes of any applicable interest, fees, and overdrawing calculations relating to that account). Where you have nominated your interest to be paid to an account with another financial institution, the timing of when that payment will appear in that account will depend on that institution’s processing times.

Section reference

Description of change

Section 1 – Accounts

Sub-section 3 Interest

Clause 3.12

Replaced Clause 3.12 with:

Where the interest payment frequency is monthly, half-annually or annually, interest is paid on the anniversary date relating to your account opening. Where you have nominated your interest to be paid to another account you hold with us:

* if your anniversary interest payment date falls on the 29^th, 30^th or 31^st of a month which does not have that date (like February), it will, subject to the next bullet point, be adjusted based on the days available in that month and paid on the last day of that month.

* if the interest payment date falls on a non-working day, it will be paid and count towards the balance of your nominated account from the next working day (including for the purposes of any applicable interest, fees, and overdrawing calculations relating to that account).

Where you have nominated your interest to be paid to an account with another financial institution, the timing of when that payment will appear in that account will depend on that institution’s processing times.

Travel Money Card (Worldwide Wallet)