Your guide to everyday banking.

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "Your guide to everyday banking."

Transcription

1 Your guide to everyday banking.

2 Reimagine the future, with Citigold. Citigold is the wealth management and premium banking service created for clients with over $100,000 invested through Citibank. Our clients enjoy the highest levels of personalised service, access to our insights and expertise, global support and recognition, and a range of rewards and privileges. Citigold at a glance: Receive advice from our team of experts, to help you achieve your financial goals Tailor your investments with regular insights from industry leaders, and our team of Wealth Specialists Access preferential pricing on our suite of banking and investment products Enjoy the advantages of partnering with a global bank with operations in more than 160 countries.

3 An introduction Simplify your everyday banking with our broad range of smart banking products. Whether you re looking for a convenient cash management solution, to lock in your cash at a competitive rate of interest or rewarding credit card offers available exclusively to Citigold clients, we invite you to explore the options on offer. Cash management accounts Cash Investment Account Ultimate Business Saver Interest earning accounts Term Deposits Citibank Online Saver Rewarding credit cards Citibank Rewards Credit Card Platinum Citibank Rewards Credit Card Signature Citi Prestige Credit Card Foreign currency solutions Multi Currency Account Dual Currency Account Foreign Exchange Contracts An introduction 3

4 Cash management accounts Cash Investment Account Manage your cash requirements and your investment portfolio with ease Park your cash between investments and earn a competitive rate on your balance. Best of all, your funds are available whenever you need them, and there s no monthly account keeping fees to pay. How it works As an individual, you can use your Cash Investment Account for everyday transaction needs such as salary payments, paying utilities or your home loan. You may also use it as a facility to park your cash and earn competitive interest while waiting on your next investment opportunity, such as opening a term deposit. You may choose to open two Cash Investment Accounts one for your individual everyday transactions, and the other to manage your SMSF, family trust or business investments. Managed Funds Income/distributions Regular contributions Trading Account Buy shares Sell shares Receive dividends Term Deposits Invest cash Receive interest SMSF Income/distributions Regular contributions Other investments Buy shares Sell shares Receive dividends Cash Investment Account Link to your investments + Everyday banking ATM/BPay Cash withdrawals Pay bills via BPay Home loan Pay loan Salary Income paid in Draw funds Property Pay loan Receive rental income

5 Earn competitive interest on your account balance, while you re waiting for your next investment opportunity Enjoy no monthly account fees consider consolidating your accounts to save on multiple monthly account fees Easily track your investments and everyday transactions with one simple statement Access your funds, whenever you need them, via online and phone banking, or at 3,000 Citibank and partner ATMs around Australia, and at 20,000 Citibank ATMs overseas. Ultimate Business Saver Enjoy flexible access to your funds whilst earning interest on your balance Earn a competitive stepped rate of interest for your business, trust or Self Managed Super Fund, on balances over $10,000. Earn competitive interest that increases as your account balance grows Access your funds via phone and online banking, as well as 3,000 Citibank and partner ATMs around Australia, and 20,000 Citibank ATMs overseas Enjoy no monthly account keeping fees. Cash management accounts 5

6

7 Interest earning accounts Whether you are saving for your next holiday, a new car, or a deposit for a home loan, you can earn competitive interest on a Citibank term deposit, or with a Citibank Online Saver account. Citibank Term Deposits Lock in your funds for a fixed term Enjoy a competitive rate of interest Relax with guaranteed returns Suit your goals, with flexible terms from eight days to five years available Your choice of local or foreign currency term deposits No establishment or account keeping fees. Citibank Online Saver A flexible, at-call savings account Interest is calculated daily and paid monthly on every dollar Top up your balance with transfers from any Australian bank account Access your funds when you need them, via instant transfers to your Nominated Linked Account No monthly account fees or minimum balance requirements. Interest earning accounts 7

8 8 Three tiers of Portfolio Service

9 Rewarding credit cards Experience market leading rewards, premium servicing, travel programs and worldwide benefits with a Citibank credit card. Our clients also enjoy exclusive offers on selected cards. Citibank Rewards Credit Card - Platinum Unique lifestyle experiences and exclusive travel and entertainment deals Annual fee waiver for Citigold clients (save $199) Citibank reward points for every $1 spent on purchases in Australia 2 3 Citibank reward points for every $1 spent overseas 2 Complimentary international travel insurance. 3 Citibank Rewards Credit Card - Signature Extensive worldwide benefits and premium service Annual fee waiver for Citigold clients (save $395) Citibank reward points for every $1 spent on purchases in Australia 2 4 Citibank reward points for every $1 spent overseas 2 Complimentary Priority Pass Membership and two airport lounge visits per year 4 Complimentary international travel insurance. 3 Citi Prestige Credit Card Experience the unforgettable Earn an annual relationship bonus of 30,000 reward points whilst you retain your Citigold status 5 Discounted annual fee ($350, usually $700) 1 The highest levels of service, luxury travel upgrades, and a world of exclusive and rewarding experiences. Rewarding credit cards 9

10 Foreign currency solutions With our local knowledge and global network, we can support the foreign currency requirements of our clients living and working across the globe. Our foreign currency specialists are on hand to keep you up to date with currency markets, global research, trends and forecasting. Choose an account to suit your business or personal needs: Multi Currency Account Simplify your overseas transactions You can hold up to 11 different currencies including USD, Euro and GBP Flexibility choose to convert when necessary, or when the exchange rate is favourable. Dual Currency Account Select a pair of currencies and potentially enhance your return Suitable if you require different currencies or hold a view on how currencies will perform in the future Access competitive interest rates and earn potentially higher returns than conventional investments. Foreign Exchange Contracts Lock in an exchange rate for a future date Fixing an exchange rate on a future delivery date can help minimise the impact of adverse movements in foreign exchange rates Can be an effective way of capitalising on foreign currency markets and managing risks. 10 Foreign currency solutions

11 Important information 1. Your annual fee for the Citibank Platinum credit card (usually $199) and the Citibank Signature credit card (usually $395) is reduced to $0, and your annual fee for the Citibank Prestige credit card (ususally $700) is reduced to $350, while you maintain your Citigold status. As a Citigold client, you are entitled to a fee reduction for only one credit card account, which could be either a Citibank Platinum credit card, Citibank Signature credit card, or a Citibank Prestige credit card. Any other credit card accounts you apply and get approved for will not be eligible for these Citigold fee reduction offers. Not to be combined with any other offer. Credit criteria apply. 2. All rewards are subjected to the Terms and Conditions of the Citibank Rewards Program. Cash advances do not earn Reward points. Different Rewards points earn rates apply to cardholders who enrol in airline frequent flyer direct earn rewards programs. 3. Complimentary Insurance and Guaranteed Pricing Scheme are provided automatically to cardholders under a master agreement between Zurich Australian Insurance Limited and Citigroup Pty Limited, and are subject to Terms and Conditions and exclusions available at citibank.com.au/complimentaryinsurance. An excess applies to Purchase Cover Insurance. 4. One complimentary Priority Pass Standard Membership, with two complimentary lounge visits, for the primary cardholder is a special feature of the Signature card. Signature cardholders must enrol for the Priority Pass Standard Membership at prioritypass.com/citibankaus. Once you have enrolled, please allow up to 15 working days for your Priority Pass card to arrive in the mail. Unused visits cannot be carried forward to the following membership year. The total number of complimentary visits will be reset to two at the beginning of each membership year while you remain a Signature cardholder. Please note that Priority Pass is not currently available at any Australian airport other than Melbourne International Airport. Membership is subject to the Conditions of Use available at prioritypass.com 5. Relationship bonus points are awarded to new Citibank Prestige cardholders with a Citigold Australia relationship who opened their account after 1 November Citibank will award the bonus points within 12 weeks of the annual fee for that year being debited to the account, commencing on the first anniversary after account opening. The Citibank Prestige account needs to be in good order for bonus points to be awarded. All rewards are subject to the Terms and Conditions of the Citibank Rewards Program. Deposit products are issued by Citigroup Pty Limited ABN , AFSL , Australian credit licence Details on our dispute resolution system and full details of the terms and conditions are available by calling or at citibank.com.au. Any advice is general advice only. It was prepared without taking into account your objectives, financial situation, or needs. Before acting on this advice you should consider if it s appropriate for your particular circumstances Citigroup Pty Limited. Citibank, Citi and Arc Design are service marks of Foreign Citigroup Currency Inc. services 11

12 Contact us Call Visit a branch Visit citibank.com.au/citigold MCG14802_(1114)

Get in touch. Personal banking support for your personal economy

Get in touch. Personal banking support for your personal economy Get in touch Visit HSBC s Premier Centre Call 1300 131 605 or +61 2 9005 8114 (overseas), Monday Friday, 8am 8pm (AEST) hsbcpremier.com.au Personal banking support for your personal economy Issued by HSBC

More information

Citibank Rewards and Citibank Qantas Rewards Program Terms and Conditions. Citibank Rewards Credit Card - Signature Citi Prestige Credit Card

Citibank Rewards and Citibank Qantas Rewards Program Terms and Conditions. Citibank Rewards Credit Card - Signature Citi Prestige Credit Card Citibank Rewards and Citibank Qantas Rewards Program Terms and Conditions Citibank Rewards Credit Card - Signature Citi Prestige Credit Card Contents Page 1. Definitions 2 Chapter One 2. Participation

More information

AND PERSONAL FINANCE. Credit cards Personal loans Overdrafts

AND PERSONAL FINANCE. Credit cards Personal loans Overdrafts CREDIT CARDS AND PERSONAL FINANCE. Credit cards Personal loans Overdrafts We all have different plans in life. Your personal finances, your way. At Bank of Melbourne, our commitment to you starts with

More information

Schedule of Fees and Charges

Schedule of Fees and Charges Citibank Accounts Schedule of Fees and Charges Transaction and Savings Accounts Effective 3 March 2014 Schedule of Fees and Charges What is the Schedule of Fees and Charges? This Schedule of Fees and Charges

More information

Changes to your Bank of Queensland Credit Card

Changes to your Bank of Queensland Credit Card Changes to your Bank of Queensland Credit Card Contents Page Change of name 3 Interest Repayments 3 Fees and charges 4 Rewards 5 Additional benefits and protections 7 Account features and access 7 Additional

More information

Welcome home. Step through the front door of your new home sooner, with NAB s range of smart and flexible home loans.

Welcome home. Step through the front door of your new home sooner, with NAB s range of smart and flexible home loans. Welcome home Step through the front door of your new home sooner, with NAB s range of smart and flexible home loans. Smart move With the right advice from your mortgage broker and a smart, flexible home

More information

Credit Cards. Credit Cards. boq.com.au

Credit Cards. Credit Cards. boq.com.au Credit Cards Credit Cards 1300 55 7 7 boq.com.au Citigroup Pty Limited ABN 88 004 35 080, AFSL 38098, Australian Credit Licence No. 38098 (Citigroup) is the credit provider and issuer of BOQ Credit Cards

More information

anz@work Exclusive banking benefits while you work

anz@work Exclusive banking benefits while you work anz@work Exclusive banking benefits while you work 1 2 We re making work more rewarding. Thanks to our relationship with your employer, you can enjoy a range of exclusive benefits and discounts, simply

More information

Transactions & Savings Because managing your money should be easy.

Transactions & Savings Because managing your money should be easy. Transactions & Savings Because managing your money should be easy. Your guide to how People s Choice Credit Union can help you with your everyday banking needs and achieve your saving and investment goals.

More information

Moving to Australia? Choose the bank more Australians choose.

Moving to Australia? Choose the bank more Australians choose. Moving to Australia? Choose the bank more Australians choose. Contents Welcome to the Commonwealth Bank of Australia 3 International service, local knowledge 3 Set up your banking before you arrive 4 Great

More information

Altitude Business Gold Visa Card. spend on your business, reward yourself. movers & shakers Proudly supported by Westpac

Altitude Business Gold Visa Card. spend on your business, reward yourself. movers & shakers Proudly supported by Westpac Altitude Business Gold Visa Card spend on your business, reward yourself movers & shakers Proudly supported by Westpac Welcome to a great way to earn rewards Now that your Altitude Business Gold Credit

More information

WHICH IS FOR ME? HOME LOANS MADE EASY

WHICH IS FOR ME? HOME LOANS MADE EASY WHICH IS FOR ME? HOME LOANS MADE EASY About this booklet At ING DIRECT, we try to make finding the right home loan as easy as possible. That s what this booklet is all about. All our home loans are described

More information

Terms and conditions. BOQ Specialist Banking Package. Dated November 2014

Terms and conditions. BOQ Specialist Banking Package. Dated November 2014 Terms and conditions BOQ Specialist Banking Package Dated November 2014 2 This page has been intentionally left blank Banking Package This document consists of PART A: Summary of banking package features

More information

anz@work Employee banking benefits to suit your life

anz@work Employee banking benefits to suit your life anz@work Employee banking benefits to suit your life Make the most of your employer s relationship At ANZ we value our key business relationships, like the one we share with your employer. Through this

More information

ANZ Personal Banking ACCOUNT FEES AND CHARGES

ANZ Personal Banking ACCOUNT FEES AND CHARGES ANZ Personal Banking ACCOUNT FEES AND CHARGES 23.02.2015 Thank you for banking with ANZ. We are proud of our products, and believe they are amongst the best in the industry. Many have received industry

More information

Visa Platinum Credit Card... Platinum Service, Premium Rewards.

Visa Platinum Credit Card... Platinum Service, Premium Rewards. Visa Platinum Credit Card... Platinum Service, Premium Rewards. The red carpet treatment. Introducing our Visa Platinum Credit Card with Qantas Points 1. At Qantas Credit Union we know our Members like

More information

ANZ Airpoints Visa WELCOME GUIDE

ANZ Airpoints Visa WELCOME GUIDE ANZ Airpoints Visa WELCOME GUIDE Introducing the ANZ Airpoints Visa and the ANZ Airpoints Visa Platinum, the credit cards that reward you with Air New Zealand Airpoints Dollars. The ANZ Airpoints Visa

More information

HSBC Premier Debit Card User Guide. 13 N Bangkok, Thailand

HSBC Premier Debit Card User Guide. 13 N Bangkok, Thailand HSBC Premier Debit Card User Guide 13 N Bangkok, Thailand Congratulations on receiving the HSBC Premier Debit Card for access to your HSBC account. Enjoy the convenience of shopping online, over the phone

More information

Moving to Australia? Choose the bank more Australians choose.

Moving to Australia? Choose the bank more Australians choose. Moving to Australia? Choose the bank more Australians choose. Contents Welcome to the Commonwealth Bank of Australia. 3 International service, local knowledge. 3 Set up your banking before you arrive.

More information

your guide to your new BOQ Credit Card

your guide to your new BOQ Credit Card your guide to your new BOQ Credit Card Contents A card that you will love 1 Getting started 2 Flexible banking at your fingertips 3 Platinum Visa card 4 Blue Visa card 6 Low Rate Visa card 7 BOQ Rewards

More information

Manage Your Cash, Manage Your Life

Manage Your Cash, Manage Your Life Manage Your Cash, Manage Your Life 1 Manage Your Cash, Manage Your Life A simple guide to effective cash flow management Contents The importance of Cash Flow Management 3 Get on top of your cash flow 4

More information

Big Sky Cash Rewards Visa Credit Card Terms and Conditions

Big Sky Cash Rewards Visa Credit Card Terms and Conditions Big Sky Cash Rewards Visa Credit Card Terms and Conditions These Big Sky Cash Rewards Visa Credit Card Terms and Conditions do not apply to all Visa Credit Cards issued by Ltd. For further information

More information

Card Services Rewards and Card Services Qantas Rewards Program Terms and Conditions

Card Services Rewards and Card Services Qantas Rewards Program Terms and Conditions Card Services Rewards and Card Services Qantas Rewards Program Terms and Conditions February 2012 Contents Page 1. Definitions 2 Chapter One 2. Participation and Agreement 4 3. Awarding of Points 4 4.

More information

Travelling overseas? TRAVEL TIPS, MONEY AND INSURANCE FOR OVERSEAS TRAVEL

Travelling overseas? TRAVEL TIPS, MONEY AND INSURANCE FOR OVERSEAS TRAVEL Travelling overseas? TRAVEL TIPS, MONEY AND INSURANCE FOR OVERSEAS TRAVEL Travel and Foreign Exchange We provide a one-stop-shop for all your foreign exchange needs, making it easy for you to manage your

More information

ACCESSING YOUR MONEY OVERSEAS.

ACCESSING YOUR MONEY OVERSEAS. ACCESSING YOUR MONEY OVERSEAS. ACCESSING YOUR MONEY, ANYTIME, ANYWHERE No matter where you re going, you ll need easy, secure access to your money. Travel Money Card A prepaid MasterCard that lets you

More information

Welcome to the convenience of a Bank of Melbourne. Visa Debit Card.

Welcome to the convenience of a Bank of Melbourne. Visa Debit Card. Welcome to the convenience of a Bank of Melbourne Visa Debit Card. Everyday Purchases Type of transaction ATM cash withdrawal In-store purchase In-store cash-out Bill payment How to access funds in Australia

More information

At-Call Savings Accounts

At-Call Savings Accounts At-Call Savings Accounts Part 1 - At-Call Savings Accounts Product Disclosure Statement (Corporations Act (Cth) 2001) comprises of the following documents Part 1 - Product Disclosure Statement for all

More information

Mates Rates Package. From your friends at Kiwibank.

Mates Rates Package. From your friends at Kiwibank. Mates Rates Package. From your friends at Kiwibank. Join Kiwibank today and while you re a Mates Rates member, you ll get even better value banking. Check out what you ll get: Everyday Accounts Choice

More information

Financial Services Guide 10.14

Financial Services Guide 10.14 Financial Services Guide 10.14 Introduction This Financial Services Guide is designed to assist you in deciding whether to use any of the financial services offered by Australia and New Zealand Banking

More information

Be part of something bigger.

Be part of something bigger. Be part of something bigger. BIG Bendigo Benefits for Deakin University. It s BIG rewards for you. The BIG Bendigo Benefits program is a special range of products and services designed to benefit members

More information

Terms and Conditions. Suncorp Bank Rewards and Suncorp Bank Qantas Frequent Flyer Rewards for Suncorp Clear Options Personal Credit Cards

Terms and Conditions. Suncorp Bank Rewards and Suncorp Bank Qantas Frequent Flyer Rewards for Suncorp Clear Options Personal Credit Cards Terms and Conditions Suncorp Bank Rewards and Suncorp Bank Qantas Frequent Flyer Rewards for Suncorp Clear Options Personal Credit Cards Effective Date: July 2014 Table of Contents 1. Meaning of Words...

More information

global currency card travel card save that could you money overseas smarts Proudly supported by Westpac

global currency card travel card save that could you money overseas smarts Proudly supported by Westpac global currency card a travel card save that could you money overseas smarts Proudly supported by Westpac Think local, shop global Introducing the Global Currency Card. It s the re-loadable prepaid Visa

More information

Everyday banking and savings. Transaction accounts Internet and Phone Banking Savings accounts Debit cards Term deposits Easy Switch

Everyday banking and savings. Transaction accounts Internet and Phone Banking Savings accounts Debit cards Term deposits Easy Switch Everyday banking and savings Transaction accounts Internet and Phone Banking Savings accounts Debit cards Term deposits Easy Switch We all have different plans in life. At Bank of Melbourne, our commitment

More information

With every business transaction we make it count.

With every business transaction we make it count. Business Solutions 02 With every business transaction we make it count. business solutions Personal service has a new name When we say we re here to help you, we mean business. Whether you re just starting

More information

I m overseas and I ve lost my credit card. What do I do?

I m overseas and I ve lost my credit card. What do I do? How long does it take to get my credit card after I have applied? Provided your application is complete, you should receive your card 5-7 business days from the date of approval. What do I need to have

More information

Mates Rates Package. From your friends at Kiwibank.

Mates Rates Package. From your friends at Kiwibank. Mates Rates Package. From your friends at Kiwibank. Join Kiwibank today and while you re a Mates Rates member, you ll get even better value banking. Check out what you ll get: Everyday Accounts Choice

More information

Product Information Statement. Macquarie Cash Management Account

Product Information Statement. Macquarie Cash Management Account Product Information Statement Macquarie Cash Management Account Macquarie Bank Limited ABN 46 008 583 542 Australian Financial Services Licence No. 237502 DATE OF ISSUE / 6 JULY 2015 1 Contents Contents

More information

Online Savings Account Key Features Statement

Online Savings Account Key Features Statement Online Savings Account Online Savings Account Key Features Statement newcastlepermanent.com.au Newcastle Permanent Building Society Ltd ACN 087 651 992 Australian Financial Services Licence / Australian

More information

Altitude Business Rewards. Terms and conditions. Altitude Business Cards Altitude Business Gold Cards Altitude Business Platinum Cards

Altitude Business Rewards. Terms and conditions. Altitude Business Cards Altitude Business Gold Cards Altitude Business Platinum Cards Altitude Business Rewards Terms and conditions Altitude Business Cards Altitude Business Gold Cards Altitude Business Platinum Cards Effective 15 August 2015 Contents 1. When do these terms and conditions

More information

BANKWEST PRIVATE BANK. Private Banking from Bankwest

BANKWEST PRIVATE BANK. Private Banking from Bankwest BANKWEST PRIVATE BANK At Bankwest Private Bank we understand the unique challenges of managing personal wealth. Our Private Client Managers provide a discrete and specialist approach to growing, diversifying

More information

Yellow Brick Road Empower Platinum Card

Yellow Brick Road Empower Platinum Card Yellow Brick Road Empower Platinum Card Features and Benefits Welcome Contents Using and managing your card 2 Rewards 4 Security 6 Your MasterCard Benefits 8 Terms and Conditions 11 Welcome to your new

More information

Student Banking. victeach.com.au 1300 654 822. Head Office. Branch Office. 117 Camberwell Road Hawthorn East VIC 3123 PO Box 338 Camberwell VIC 3124

Student Banking. victeach.com.au 1300 654 822. Head Office. Branch Office. 117 Camberwell Road Hawthorn East VIC 3123 PO Box 338 Camberwell VIC 3124 Head Office 117 Camberwell Road Hawthorn East VIC 3123 PO Box 338 Camberwell VIC 3124 Branch Office 687 Mt Alexander Road Moonee Ponds VIC 3039 PO Box 210 Moonee Ponds VIC 3039 victeach.com.au 1300 654

More information

Personal banking for the business owner

Personal banking for the business owner Personal banking for the business owner Transaction Accounts Internet and Phone Banking Business Banking Online Savings Accounts Home Loans Portfolio Loan Wealth At Bank of Melbourne, we recognise your

More information

Westpac Credit Cards. Credit cards

Westpac Credit Cards. Credit cards Westpac Credit Cards Credit cards As at 15 November 2013 You can buy the things you need now and pay off your card in a flexible way later. Contents 4 What do you get with a Westpac credit card? 6 Which

More information

Products and Services Catalogue

Products and Services Catalogue Products and Services Catalogue 3 Competitive Products 3 Lower fees 3 Superior service www.policebank.com.au Index Switch to Make PB Your No.1 Financial Institution 3 How Do I Become a Member? 3 Your Money

More information

Terms and Conditions. Premium and Standard Membership Rewards Program for Suncorp Clear Options Business Credit Cards

Terms and Conditions. Premium and Standard Membership Rewards Program for Suncorp Clear Options Business Credit Cards Terms and Conditions Premium and Standard Membership Rewards Program for Suncorp Clear Options Business Credit Cards Effective Date: May 2014 Table of Contents 1. Meaning of Words... 1 2. Participation

More information

We designed UBank with one thing in mind; to help you make more of your money, the easy way. Alex Twigg. General Manager. UBank.

We designed UBank with one thing in mind; to help you make more of your money, the easy way. Alex Twigg. General Manager. UBank. Hello. We designed UBank with one thing in mind; to help you make more of your money, the easy way. Alex Twigg. General Manager. UBank. 2. UBank UBank is all about you. We exist for you. Hence our name.

More information

Savings & Investments

Savings & Investments Savings & Investments Savings for the young & the young at heart The decisions you make about your money now will affect your life into the future. That s why it s important to put aside money regularly

More information

Lending Fees and Charges. Effective from 20 July 2015.

Lending Fees and Charges. Effective from 20 July 2015. Lending Fees and Charges Effective from 20 July 2015. About this brochure These fees and charges are applicable at the time of printing and are subject to change. We recommend you confirm that you have

More information

Altitude Rewards and Altitude Qantas

Altitude Rewards and Altitude Qantas Altitude Terms and Conditions Altitude Rewards and Altitude Qantas Effective 9 November 2014 Altitude Rewards 1 Contents Altitude Rewards terms and conditions...4 1. When do these terms and conditions

More information

ANZ PERSONAL BANKING

ANZ PERSONAL BANKING ANZ PERSONAL BANKING ACCOUNT FEES AND CHARGES 01.07.2016 Thank you for banking with ANZ. We are proud of our products, and believe they are amongst the best in the industry. Many have received industry

More information

Rewards Program for High Flyer and Flyer Cardholders

Rewards Program for High Flyer and Flyer Cardholders Rewards Program for High Flyer and Flyer Cardholders Terms & Conditions 18 September 2016 Contents 1. Meaning of Words 4 2. Participation 6 3. Accumulation of Points 7 4. Duration and Loss of Velocity

More information

Home Package Plus. Terms and Conditions

Home Package Plus. Terms and Conditions Home Package Plus Terms and Conditions Effective Date: 30 October 2015 2 Suncorp Bank Table of Contents 1. About these terms and conditions...4 2. Definitions...4 3. Eligibility for Home Package Plus...5

More information

Small Business Banking. It s your business

Small Business Banking. It s your business Small Business Banking It s your business No matter what stage your business is at, the right partnerships can make all the difference. Whether you ve got a great business idea, wanting to expand or just

More information

Deposit Accounts for Business Customers. (No longer available for sale) Terms and Conditions.

Deposit Accounts for Business Customers. (No longer available for sale) Terms and Conditions. Deposit Accounts for Business Customers. (No longer available for sale) Terms and Conditions. Effective as at 01 July 2015 1 Your Bank The advisory services and the banking products you ll find in this

More information

castles Proudly Supported by Westpac Premier Advantage Package

castles Proudly Supported by Westpac Premier Advantage Package castles Proudly Supported by Westpac Premier Advantage Package Thank you for considering Westpac. We aim to delight our customers and earn all of their business. That s why we created the Premier Advantage

More information

FINANCIAL SERVICES GUIDE

FINANCIAL SERVICES GUIDE FINANCIAL SERVICES GUIDE Savings and Transaction Accounts Term Investments Payment Services Dispute Resolution Foreign Currency Services Member Insurances Privacy - 1 - Your Cairns Penny Savings & Loans

More information

Lending Fees and Charges. Effective from 20 May 2016

Lending Fees and Charges. Effective from 20 May 2016 Lending Fees and Charges Effective from 20 May 2016 2 Suncorp Bank About this brochure These fees and charges are applicable at the time of printing and are subject to change. We recommend you confirm

More information

BOQ Specialist Qantas Rewards Program

BOQ Specialist Qantas Rewards Program BOQ Specialist Qantas Rewards Program Terms and Conditions Cover is effective from 1 August 2014 Terms and Conditions 1. Important 1.1 Please read these Terms and Conditions carefully. They set out the

More information

Fees and Charges A close look at our products and services. Everyday accounts. Saving money on your banking CONTENTS ANZ FREEDOM ANZ GO

Fees and Charges A close look at our products and services. Everyday accounts. Saving money on your banking CONTENTS ANZ FREEDOM ANZ GO and Charges A close look at our products and services CONTENTS Saving money on your banking... 1 Everyday accounts... 1 Packages... 3 Savings accounts... 5 Cards... 5 Foreign Currency Account... 8 Foreign

More information

Citi At Work Account Application Form

Citi At Work Account Application Form Citi At Work Account Application Form Before you apply There are a few things you should know before you make an application: Applicants must be UK residents or applying through Citi At Work; All applicants

More information

Rewarding you with instant member benefits. 1 July 2014. Enjoy more with HOSTPLUS extras

Rewarding you with instant member benefits. 1 July 2014. Enjoy more with HOSTPLUS extras Rewarding you with instant member benefits 1 July 2014 Enjoy more with HOSTPLUS extras Get the most out of your membership Just because we re focused on helping you save for the future, doesn t mean we

More information

You re ready to take off

You re ready to take off You re ready to take off with the Virgin Australia Velocity Flyer Card. virgin money + credit cards good together What s inside for you. 1. Welcome aboard. 2. Rewards that will take you places. 3. But

More information

Citi at work. Bringing the bank to work.

Citi at work. Bringing the bank to work. Citi at work Bringing the bank to work. Introducing Citi and Citi At Work With over 200 years experience, Citi is one of the world s largest retail banks with over 100 million clients in 40 countries.

More information

Your foreign exchange specialist

Your foreign exchange specialist Citigold Your foreign exchange specialist Your life, your money, your way Local knowledge in foreign exchange solutions Our clients demand the very best international wealth management and that includes

More information

Lending Fees & Charges

Lending Fees & Charges Lending Fees & Charges Effective Date: 1 July 2015 All credit fees and charges to any credit facilities regulated by the National Credit Code will be set out in the financial table of your credit contract.

More information

SERVICES GUIDE FINANCIAL. Product Information Brochure. Effective from 2 November 2015

SERVICES GUIDE FINANCIAL. Product Information Brochure. Effective from 2 November 2015 FINANCIAL SERVICES GUIDE Product Information Brochure Effective from 2 November 2015 QUEENSLAND COUNTRY CREDIT UNION LIMITED FINANCIAL SERVICES GUIDE 1 OUR FINANCIAL SERVICES GUIDE ( FSG ) This FSG is

More information

Personal Deposit Accounts

Personal Deposit Accounts Personal Deposit Accounts Combined Financial Services Guide and Product Disclosure Statement with Terms and Conditions 20 March 2015 Contents Page No. Product Disclosure Statement 1 Financial Services

More information

ANZ PERSONAL BANKING

ANZ PERSONAL BANKING ANZ PERSONAL BANKING ACCOUNT FEES AND CHARGES 29.02.2016 Thank you for banking with ANZ. We are proud of our products, and believe they are amongst the best in the industry. Many have received industry

More information

Minimum. average monthly balance SGD SGD5,000 SGD5,000 SGD12 SGD3. Note: Eligibility is only for qualif ied ANZ Signature Priority Banking clients.

Minimum. average monthly balance SGD SGD5,000 SGD5,000 SGD12 SGD3. Note: Eligibility is only for qualif ied ANZ Signature Priority Banking clients. Schedule of charges Current ANZ Current Account Type of accounts initial deposit Fall below fee (Per month) SGD SGD10,000 SGD10,000 SGD30 USD USD10,000 USD10,000 USD20 EUR EUR10,000 EUR10,000 EUR20 AUD

More information

Over $1,700 in total value and savings! TABIA Business and Personal Banking Program

Over $1,700 in total value and savings! TABIA Business and Personal Banking Program Over $1,700 in total value and savings! TABIA Business and Personal Banking Program July 27, 2012 Program Overview RBC Royal Bank is pleased to provide TABIA members with a special banking program for

More information

Financial Services Guide

Financial Services Guide Financial Services Guide Effective from 1 April 2012 Defence Bank Limited Financial Services Guide (FSG) This FSG is an important document designed to: Assist you to decide whether to use any of our financial

More information

Macquarie Platinum Card

Macquarie Platinum Card Macquarie Platinum Card Features and Benefits Guide macquarie.com i Welcome Your privileges 2 Your card benefits at a glance 4 Macquarie Rewards 6 Complimentary insurance 8 Shop and pay with confidence

More information

AMP Bank. Deposit products fees and charges guide

AMP Bank. Deposit products fees and charges guide Bank Deposit products fees and charges guide Effective date: 17 August 2015 This guide outlines the fees and charges for Bank deposit products. If you have any questions call Bank on 13 30 30 or speak

More information

Mortgage Choice Platinum Card

Mortgage Choice Platinum Card Mortgage Choice Platinum Card Rewards Program Terms and Conditions Effective December 2014 Contents 1. When do these Terms and Conditions apply to me? 4 2. How does the Mortgage Choice Platinum Card Rewards

More information

AMP Bank. Deposit Products Fees and Charges Guide

AMP Bank. Deposit Products Fees and Charges Guide Bank Deposit Products Fees and Charges Guide Effective date: 18 August 2014 This guide outlines the fees and charges for Bank deposit products. If you have any questions call Bank on 13 30 30 or speak

More information

Financial Services Guide

Financial Services Guide Financial Services Guide Effective from 1 July 2013 Defence Bank Limited Financial Services Guide (FSG) This FSG is an important document designed to: > > Assist you to decide whether to use any of our

More information

ibank, ibank Plus & ibank Saver INTERNATIONAL BANKING SERVICES For a life beyond boundaries

ibank, ibank Plus & ibank Saver INTERNATIONAL BANKING SERVICES For a life beyond boundaries ibank, ibank Plus & ibank Saver INTERNATIONAL BANKING SERVICES For a life beyond boundaries About Barclays Wealth At Barclays Wealth we have developed a different approach to financial services. We understand

More information

Financial Services Guide

Financial Services Guide Financial Services Guide Version: Version 19.0 Issue date: 22 October 2015 Important information I recommend you read this Financial Services Guide FSG because it contains important information designed

More information

Suncorp Bank Personal Deposit Accounts Product Information Document

Suncorp Bank Personal Deposit Accounts Product Information Document Suncorp Bank Personal Deposit Accounts Product Information Document This document contains information on Suncorp Bank Personal Deposit Accounts Kids Savings Account, Everyday Basics Account, Everyday

More information

Wealth Management. Yellow Brick Road. Rewards Program Terms and Conditions

Wealth Management. Yellow Brick Road. Rewards Program Terms and Conditions Wealth Management Yellow Brick Road Rewards Program Terms and Conditions Effective July 2013 Contents 1. When do these Terms and Conditions apply to me? 3 2. How does the Yellow Brick Road Credit Cards

More information

ANZ CashBack. programme guide

ANZ CashBack. programme guide ANZ CashBack programme guide CashBack rewards you for purchases you make with your CashBack card. Using your card CashBack Rewards CashBack rewards you for purchases you make with your CashBack card.

More information

Credit Card - How your ANZ Credit Card works

Credit Card - How your ANZ Credit Card works anz.com/vietnam Item No. SPB004 DATE 01.2013 ANZ Signature Priority Banking Visa Platinum Credit Card - How your ANZ Credit Card works How your ANZ Credit Card works 01/2013 1 2 1-2 ANZ credit cards fulfil

More information

Your guide to super smart strategies.

Your guide to super smart strategies. Your guide to super smart strategies. What you ll find in this guide Learn more about super and discover how the super smart strategies can help you to grow your wealth, make the most of your super and

More information

Card Standard Account Fees

Card Standard Account Fees Card Standard Account Fees Credit cards Card fees MasterCard or VISA Classic 21.00 p.a. Visa and MasterCard when taken together Additional Cards First additional card Second and subsequent additional card.

More information

INSURANCE - HONG LEONG BUSINESS CREDIT CARD CASH BACK FEATURES & BENEFITS

INSURANCE - HONG LEONG BUSINESS CREDIT CARD CASH BACK FEATURES & BENEFITS Frequently Asked Questions INSURANCE - HONG LEONG BUSINESS CREDIT CARD CASH BACK FEATURES & BENEFITS Q1 How do I get the 2% Cash Back? You will get 2% Cash Back whenever you charge your AIA Life single

More information

Including ANZ Business One Rewards Options

Including ANZ Business One Rewards Options Introducing ANZ Business One Rewards Options Including ANZ Business One Rewards Options Program Terms and Conditions Welcome We re delighted you have chosen ANZ Business One Rewards Options, the business

More information

Financial Services Guide

Financial Services Guide Financial Services Guide Version: Version 19.0 Issue date: 22 October 2015 Important information I recommend you read this Financial Services Guide (FSG) because it contains important information designed

More information

MAS Package AN EXCLUSIVE BANKING SOLUTION FROM ANZ

MAS Package AN EXCLUSIVE BANKING SOLUTION FROM ANZ MAS Package AN EXCLUSIVE BANKING SOLUTION FROM ANZ We are proud to offer MAS Members a comprehensive range of banking solutions. Whether you are buying your first home, building your property portfolio,

More information

Deposit Accounts for Business Customers

Deposit Accounts for Business Customers Deposit Accounts for Business Customers Terms and Conditions. Effective as at 1 July 2015. This booklet contains information on the following Deposit Accounts for Business Customers Currently available

More information

Essential Information. NAB Business Payments Card.

Essential Information. NAB Business Payments Card. Essential Information. NAB Business Payments Card. Contents Your NAB Business Payments Card Facility 3 How your card works 4 Your Facility Billing Account 4 Individual cards 5 Primary Cardholders 5 Other

More information

Introducing the Much-awaited Prestigious Credit Card Citi Indonesia Launches Citi Prestige Card for the Indonesia Affluent Market

Introducing the Much-awaited Prestigious Credit Card Citi Indonesia Launches Citi Prestige Card for the Indonesia Affluent Market Press Release For Immediate Distribution Introducing the Much-awaited Prestigious Credit Card Citi Indonesia Launches Citi Prestige Card for the Indonesia Affluent Market Jakarta, 20 January 2016 Citi

More information

Transactional and Savings Accounts. Combined Product Disclosure Statement and Financial Services Guide

Transactional and Savings Accounts. Combined Product Disclosure Statement and Financial Services Guide Transactional and Savings Accounts Combined Product Disclosure Statement and Financial Services Guide BOQ Specialist Transaction and Savings Accounts (with Overdraft) Combined Product Disclosure Statement

More information

Financial Services Guide (FSG)

Financial Services Guide (FSG) Financial Services Guide (FSG) A guide to the services we provide and how we will work with you to achieve your goals Llewelyn Financial Services Pty Ltd trading as Planwell Financial Group 56 B Wyndham

More information

Financial Services Guide for Corporate Authorised Representatives

Financial Services Guide for Corporate Authorised Representatives Financial Services Guide for Corporate Authorised Representatives March 2014 2014 Please take the time to read this document carefully as it contains important information about us, the service we provide,

More information

Using your Credit Card

Using your Credit Card Using your Credit Card Effective from 7 November 2003 Contents Introduction 3 Section one: Benefits 1.1 Reward Points program 4 1.1.1 Earn Reward Points every day 4 1.1.2 Earn up to 3 Bonus Reward Points

More information

Introducing ANZ Premium Partner

Introducing ANZ Premium Partner ANZ Premium Partner Important notices This brochure is designed to provide a summary and general overview of the subject matter covered for your information only. Every effort has been made to ensure the

More information

Account Specific Terms and Conditions. Effective from 15 May 2015

Account Specific Terms and Conditions. Effective from 15 May 2015 Account Specific Terms and Conditions Effective from 15 May 2015 1 Account Specific Terms and Conditions contents Citigold Current Account pages 3-4 Citi Plus Current Account pages 5-6 Citi Access Account

More information

Home Insurance OneAnswer

Home Insurance OneAnswer Home Insurance OneAnswer Reach your financial goals sooner About OnePath OnePath is one of Australia s leading providers of wealth, insurance and advice solutions. We have been helping Australians grow

More information

Financial Services Guide. Bank of Melbourne Financial Planning

Financial Services Guide. Bank of Melbourne Financial Planning Financial Services Guide Bank of Melbourne Financial Planning Authorised for distribution by: Westpac Banking Corporation (Westpac) ABN 33 007 457 141 Australian Financial Services Licence No. 233714 Australian

More information