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

Summary of changes, effective 15 August 2025

Section reference	Description of change
Section 1 - Summary of Features Table 1 – Transaction, Savings and Investment accounts	Incentive Saver In the row What debit card access is available? an asterisk has been added at the end of the last sentence to state: “Debit card access is not available for business customers after 15 August 2025.” In the row Can I make direct debits and periodical payments?* the text has been replaced with: “Direct debits only. Periodical payments are not available after 15 August 2025. ” and an asterisk has been added at the end of this sentence to state: “Periodical payments set up by personal customers before 15 August 2025 will be honoured.” Investment Cash In the row What debit card access is available? The text has been replaced with: None In the row Can I make direct debits and periodical payments? the text has been replaced with: Direct debits only

Section reference

Description of change

Section 1 - Summary of Features

Table 1 – Transaction, Savings and Investment accounts

Incentive Saver
In the row What debit card access is available? an asterisk has been added at the end of the last sentence to state: “*Debit card access is not available for business customers after 15 August 2025.”

In the row Can I make direct debits and periodical payments? the text has been replaced with: “Direct debits only. Periodical payments are not available after 15 August 2025. *” and an asterisk has been added at the end of this sentence to state: “*Periodical payments set up by personal customers before 15 August 2025 will be honoured.”

Investment Cash
In the row What debit card access is available? The text has been replaced with: None

In the row Can I make direct debits and periodical payments? the text has been replaced with: Direct debits only

Personal Debit Cards

Visa Debit Card