Personal customers' terms and conditions

Products currently for sale

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

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)