Disclosure documents

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 (ACL) ACL 233714 (effective 1 March 2011). St.George Bank is a division of Westpac Banking Corporation.

St.George FSG - Banking Services

BT Advice Financial Services Guide

Credit Guide

A 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.

Code of Banking Practice

The Code of Banking 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.

Other disclosure documents

In addition to FSGs and the Credit Guide this website also contains other disclosure documents such as prospectuses, product information statements (PIS), annual reports and product offerings, Product Disclosure Statements and Product Terms and Conditions.