Personal customers' terms and conditions

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

Summary of changes, effective 27 October 2023

Section reference	Change description
1. Summary of features	Amended wording for clarity on features and how we pay interest.
3. Using your accounts	Removed references to Smart ATM, specific brands and types of deposits. Existing ATM information has been consolidated into one centralised table under a section titled ‘ATMs’, which covers: What you can do at an ATM Limits or restrictions that apply Fees that may be charged. Removed references to ‘ATM mini transaction history’. Customers can refer to the relevant brand’s website for additional information.
	Amended wording for clarity in relation to account closure and refusal of transactions.
	Updated to include information on when a deposit, transfer or withdrawal transaction is processed to your Account due to a system error, that these transactions may be reversed by us.
	Amended wording for clarity in relation to our limitation of liability.
4. Understanding debit cards	Included wording for clarity in relation to liability of fees, charges or interest.
	Updated section to clarify when daily cash withdrawal limits may not apply.
	Clarification of gambling block functionality.
	Amended the wording for clarity and accuracy for processes and procedures
5. Your statements	Included wording for clarity in relation to liability of fees, charges or interest.
6. How we pay interest	Amended wording for clarity on features and how we pay interest.
9. Fees and Charges tables	Insertion of edits and cross-references to the 'ATMs' section for information on fees that may apply for transactions carried out at ATMs. Removed references to the ATM mini transaction history.
10. Explaining fees and charges	Added information about how to request application of interest, fees, and charges to and from other eligible accounts.
15. Changes to Terms and Conditions	Updated information on when and how the bank will notify customers of changes to terms and conditions.
16. General Matters	Amended wording for clarity in relation to our limitation of liability.
16. General Matters	Inserted new paragraph regarding payments made in error.
17. Meaning of words	Updated section to reflect simplification of references to ATM-related terms. References to Cash Exchange Machines have been moved to the relevant brand’s public website.

Visa Debit Card

Debit Cards Terms and Conditions

Summary of changes, effective 27 October 2023

Section reference	Change description
Definitions	Updated section to reflect simplification of references to ATM-related terms.
Visa Debit card fees and charges Overseas transactions	Insertion of edits and cross-references to the 'ATMs' section for information on fees that may apply for transactions carried out at ATMs.
Default accounts	Explained how cash may be withdrawn at an ATM and circumstances relating to minimum withdrawal restrictions.
What you can do at St.George, BankSA or Bank of Melbourne branded ATMs attached to a branch Deposits at ATMs, CDMs and Bank@Post™ What you can do at St.George, BankSA or Bank of Melbourne branded ATMs not attached to a branch and Westpac branded ATMs Other ATMs	Removed references to Smart ATM, specific brands and types of deposits. Existing ATM information has been consolidated into one centralised table under a section titled ‘ATMs’, which covers: What you can do at an ATM Limits or restrictions that apply Fees that may be charged Removed references to ‘ATM mini transaction history’. Customers can refer to the relevant brand’s website for additional information.
Daily withdrawal limits	Updated section to clarify when daily cash withdrawal limits may not apply.
Authorising Visa Debit card transaction Mismatched authorisations	Updated section to clarify how a ‘request for authorisation’ is processed.
Authorising Visa Debit card transactions Delayed authorisations	Updated section to clarify how delayed authorisations are processed, noting that where the subsequent invoice for the actual amount is different than the authorised amount for a transaction, the authorised amount will remain on your account and temporarily reduce the available balance until the actual purchase amount is properly processed (cleared).
What happens if your details change? Protecting your pin	Amended wording for clarity in relation to our limitation of liability.
Changes to Terms and Conditions Bank fees and charges	Amended wording for clarity in relation to fees and charges.
Additional Cards Daily withdrawal limits Card cancellation Card re-issue Electronic banking access New section Payments made in error	Amended the wording for clarity and accuracy for processes and procedures.
Gambling block requests	Clarification of gambling block functionality

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

Term Deposits

Summary of changes, effective 27 October 2023

Section reference	Change description
Part A 1.2 Opening an account	Included wording for clarity around initial funding period
Part A 1.14 Authority to Operate	Amended the wording for clarity on the limitation of liability
Part B Anti-Money Laundering and Counter-Terrorism Financing Obligations	Amended section heading from ‘Anti-Money Laundering and Counter-Terrorism financing obligations’ to ‘When we may delay or refuse transactions’ and amended wording for clarity around when may delay or refuse transactions
Part B When we may delay or refuse transactions	Amended wording for clarity in relation to our limitation of liability
Part B Payments in error	Inserted new section regarding payments made in error

Farm Management Deposits

Summary of changes, effective 27 October 2023

Section reference	Change description
Appropriate use of our services	Amended section heading from ‘Appropriate use of our services’ to ‘When we may delay or refuse transactions’ and amended wording for clarity around when may delay or refuse transactions
Payments in error	Inserted new section regarding payments made in error

St George Worldwide Wallet Terms and Conditions

Summary of changes, effective 27 October 2023

Section reference	Change description
Part A: General information	Amended to clarify how we handle mistaken internet payments and how funds may be recoverable if there has been a conversion into a foreign currency. We have also updated to confirm no applicable account fees.
Part B: Terms and Conditions 2. Applying for the Product	Updated ‘Meeting our identification requirements’ to reflect the same statement in ‘Part A: General Information’ on when we may refuse an application for the Product.
4. Account Limits	Removed wording in relation to setting off debt against any available funds you may have associated with a product issued by us or as held in an account by you.
5. Loading and transferring funds	Added wording to clarify that transactions due to system errors are rectified by us when they are identified.
7. Foreign Exchange	Amended to clarify that conversions may occur in how we handle mistaken internet payments under the ePayments Code
8. Fees	Removed reference to “interest rates”. We have also updated to confirm no applicable account fees.
12. Replacement of Cards	Updated rule that at least one Card must be activated before we can issue a renewal Card.
13. Liability for Unauthorised Transactions	Added wording to clarify the liability for authorised transactions as opposed to unauthorised transactions.
17. Closing the Product	Amended wording for clarity in relation to our right to suspend or close the Product and cancel a Card.
19. Liabilities and disclaimers	Amended wording for clarity in relation to indirect, special or consequential losses.
23. Payments made in error	Added new clause in relation to payments that are made in error.
25. Changes to Terms and Conditions	Amended wording for clarity in relation to ‘unfavourable changes’ and ‘not a material change’.
30. Appropriate use of our services	Amended wording for clarity in relation to requirements and our limitation of liability.

For Travel, Caravan & Trailer and Pleasure Craft, please contact Allianz on 1800 812 133 for a copy of the PDS.

Import Payee, Biller, Direct Debit & Credit Information Service Terms and Conditions and General Information

Summary of changes, effective 8 November 2023

Section reference	Change description
Our provision of the Service	Amended the wording for clarity on how we service you as an independent service provider.
Our liability is limited	Amended the wording for clarity on our liability in relation to using these services.

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Personal customers' terms and conditions

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