Small Business Banking. It s your business

Size: px
Start display at page:

Download "Small Business Banking. It s your business"

Transcription

1 Small Business Banking It s your business

2

3 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 manage your business day-to-day, get access to a Small Business Specialist who can provide you with simple and convenient financial solutions to suit your business.

4 Small business banking made simple Whether you re just starting up or getting set for global expansion, get access to an experienced Small Business Specialist who will take the time to understand your needs and offer you personalised guidance, so you can get on with running your business. Convenient business banking 1 Your business could be running 24/7, every day of the year and we ll be there with every transaction and tick of the clock, helping to make your money work for you. Access your money anytime, anywhere 2 Everyday business transaction accounts Transact in more places with an ANZ Business Visa Debit card Online, phone and fast deposit services Easy payment solutions 3 Whether you need a simple solution for receiving EFTPOS payments from customers, or access to credit, there are solutions to meet your day-to-day business needs. Process sales or get access to credit Merchant payment solutions Business credit cards Page 8 Page 12 Enjoy convenient access to your money Our ANZ Business Visa Debit card provides you with convenient access to your money via ATMs, online, over the counter, over the phone and overseas, anywhere Visa is accepted at over 29 million locations worldwide. With the added peace of mind that all your transactions will be protected by ANZ Falcon TM fraud protection. Refer to page 18 for important things you need to know.

5 4 5 Financing your growth 3 When it comes to financing your business, access to vehicles, equipment or assistance with managing fluctuating cash flow cycles, we can provide you with the capital and flexibility you need. Choose the products that work for you Business and Asset Finance Business Credit and Indemnity/Guarantees Page 14 Investing surplus funds 1 It s good to know that we have a range of simple and uncomplicated short/long term investment options on how and where to grow your money. Invest and protect for now or later Short and long term investments Business Insurances 4 Page 16 ANZ Business Banking at a glance Do you have more complex business needs? We recognise that our larger and specialised business customers have unique business needs. Talk to an ANZ Business Relationship Manager, available through one of our Business Centres, about our suite of tailored products and services or visit anz.com/myindustry for information about a range of industry solutions.

6 The people who mean business Turn your vision into reality Get started with some help from our free online courses, track and identify your business priorities with a range of free business tools and templates, or simply get some guidance from other small business owners online. Join The ANZ Small Business Hub today at thesbhub.com.au

7 6 7 Whatever you want to do and wherever you want to go, talk to the people who know about business. We re available when you need us through any of our branches, Business Centres or over the phone. Start. Get off on the right foot with simple financial solutions, support and tools to help you build an effective business plan. Grow. With the support of a reliable and strong bank and a Business Specialist who understands your industry, we can help you get to where you want to be. Manage. Your Small Business Specialist will guide you through with knowledge and advice on ways to manage your cash flow to managing customer payments.

8 Flexible and simple business banking Simplify your business accounts No matter what stage your business is at, we offer business packages tailored to suit your business financial goals. Simply start with an ANZ Business Advantage Account and you ll receive an ANZ Business Visa Debit card 5, for no additional fee 6. Then select from a range of products and services to suit your business needs, bundle them together and pay just one monthly fee.

9 8 9 Keep things simple. Our everyday business accounts give you the flexibility to choose an account that works for you and your business. Everyday Transaction Accounts 1 What you may need Solutions Benefits A simple, low-cost transaction account to cover your essential business banking needs. An everyday transaction account with greater control and a high volume of monthly transactions. A transaction account to hold funds in trust for your clients. A transaction account to help you manage your GST requirements more effectively. ANZ Business Advantage Account ANZ Business Extra Account ANZ Statutory Trust Account ANZ GST Payment Account An unlimited number of ANZ transactions 6 giving you the certainty of knowing how much you ll pay each month. A high level of control and access with the option of an ANZ Business Visa Debit card 5. An unlimited number of ANZ transactions per month 6 with ANZ Internet Banking for Business available at no extra charge. A high level of control and access with the option of an ANZ Business Visa Debit card 5. Assists your business to operate in line with relevant government legislation. Provides a simple method for keeping your GST collections separate from your daily operating funds. Transact in more places with our new ANZ Business Visa Debit card What you may need Solution Benefits Convenient access to your money directly from your ANZ Business Advantage Account or ANZ Business Extra Account 5. ANZ Business Visa Debit card Access your available funds via the Visa network, and get the added security of ANZ Falcon TM fraud monitoring when you use your card for ATM, EFTPOS, online, over the phone and overseas transactions. No additional card or application fee 6 applies. Get simple and convenient access to your business banking transactions around the clock 2. 24/7 Banking What you may need Solutions Benefits Fast and easy way to make deposits at the branch. Perform your business banking anytime, anywhere. High daily payment-limits and the ability to cater for business accounts with 1 or more to sign (up to maximum of nine). Ability to access your accounts via the telephone. ANZ Fast Deposit ANZ Internet Banking ANZ Internet Banking for Business ANZ Phone Banking Allows you and your staff to drop off pre-prepared deposits to branches with no queuing. Reduce the time spent doing your business banking and decrease your fees. Provides your business with greater flexibility and convenience. Saves time while also being secure and convenient. Refer to page 18 for important things you need to know.

10 Convenient access to your money An ANZ Business Visa Debit card provides you with a better way to access your available funds in more places directly from your ANZ Business Advantage or ANZ Business Extra Account, for no additional fee 5. Benefits at a glance Access your available funds (including access to an ANZ Business Overdraft connected to your account) via the Visa network worldwide Transact in more places, online, over the counter, over the phone and overseas, anywhere Visa is accepted at over 29 million locations worldwide Withdraw cash at any ATM that displays the Visa or PLUS symbols 7 Deposit funds via ANZ Internet and Phone Banking, ANZ branches and selected ANZ ATMs Simplify your banking by separating your business and personal expenses with an ANZ Business Visa Debit card for business purposes and an ANZ Access Visa Debit card for personal use Choose from three card colours Enjoy peace of mind knowing all your transactions will be protected by advanced security features including: - ANZ Falcon TM, monitoring suspicious transactions - Visa Zero Liability, simply press the Credit `CR button when making EFTPOS and ATM transactions and shop with confidence knowing you won t be liable for unauthorised purchases made on your card 8 - ANZ Fraud Money Back Guarantee 8 - Verified by Visa - Security microchip Provides you with another payment option other than cheque or cash No additional card or application fee 6 ANZ Visa paywave - The new contactless payment feature is more convenient, quick and secure. You don t need to sign or enter a PIN for purchases under $100 at any merchants who have a contactless terminal Refer to page 18 for important things you need to know.

11 Remember to press Credit CR when you use your ANZ Business Visa Debit card for EFTPOS and ATM transactions to activate the Visa Zero Liability policy and protect yourself from any unauthorised transactions made on your card

12 Easy payment solutions 3 Get paid faster with our range of advanced merchant solutions. Merchant Payment Solutions 3 What you may need Solutions Benefits Process credit, debit and/or charge card payments electronically. Ideal for business customers who are present at the time of the sale (ie to swipe card). Secure and portable terminal to suit businesses on the move. EFTPOS terminal for businesses that want to integrate with their existing Point of Sale (POS) system. Secure online payment solution for accepting payments online, via phone or by batching. Online payment solution for accepting payments online, via phone or by batching. MultiPOS Turbo MultiPOS Mobile ANZ POS Plus egate epos Reliable and fast transaction speed with the added security of Chip Card processing. Portable wireless device with widespread card acceptance and the added security of Chip Card processing. Operators no longer have to enter transaction details twice. Search and view transactions as and when they occur. Provides real-time authorisation of transactions. A convenient and simple way for customers to shop online. 24-hour high-speed credit card payment processing solution with unlimited transaction volumes. Pay your suppliers conveniently whilst managing business expenses and minimising paperwork. Business Credit Cards 3 What you may need Solutions Benefits One simple account that can help manage your cash flow. A way to control your business travel and entertainment expenses. An efficient and cost effective way to manage your general business purchasing needs. ANZ Business One Visa ANZ Corporate Card ANZ Visa Purchasing Card Choose the option that best suits the needs of your business, such as earning reward points, having interest free days or choosing a low ongoing interest rate. Enjoy the benefit of ANZ Visa paywave, the new contactless payment feature which is convenient, quick and secure. You don t need to sign or enter a PIN for purchases under $100 at any merchants who have a contactless terminal. Help minimise the amount of paperwork associated with managing business expenses. A flexible buying tool that streamlines the purchasing process from office stationery to retail purchases. Refer to page 18 for important things you need to know.

13 Receiving money or making payments internationally? We have a wide range of solutions to suit your international business transactions. For information and advice, simply speak to your Small Business Specialist today

14 Financing your growth 3 Build your business on your terms. We have business lending and credit facilities for you to choose from to suit your business cycles, cash flow, budget and timeline. Business Finance What you may need Solutions Benefits A low cost, flexible business loan for customers with residential security for amounts above $25,000. A no frills low cost business loan for amounts above $50,000. A capital boost with flexible repayment and interest rate options for amounts above $10,000. ANZ Business Mortgage Loan ANZ Business Saver ANZ Business Loan Access to amounts from $25,000 for any period up to 30 years. Get the additional option of a Business Mortgage Offset Account. A low variable rate of interest for the life of the loan. Choose the repayment and interest rate options (fixed or variable) that suit your business.

15 14 15 Financing vehicles and business equipment 3 With ANZ Asset Finance, you can fund vehicles or business equipment without using your working capital. Our Small Business Specialists will work with you to help you find a solution with repayments to suit your unique cash flow cycles. Asset Finance What you may need Solutions Benefits Your unique needs will determine which Asset Finance solution is most suited to you. Choose from: Chattel Mortgage Offer to Hire (Hire Purchase) Finance Lease Novated Lease Preserve your important working capital Immediate access to vehicles and equipment Tailor repayments to match your cash flow Potential tax benefits may apply 9 Business Credit and Indemnity/Guarantee 3 What you may need Solutions Benefits Cover seasonal and working capital requirements for amounts above $2,000. Funding for important investment opportunities such as shares or property for amounts above $25,000. A formal guarantee from ANZ to pay a financial obligation to a third party. ANZ Business Overdraft ANZ Business Credit Facility ANZ Indemnity/ Guarantees A permanent line of credit when you need it. Manage your business assets by separating working capital from investment capital. Free up valuable funds for other purposes. Interested in learning more about how vehicle and/or equipment finance can benefit you? Speak to your Small Business Specialist today. Refer to page 18 for important things you need to know.

16 Investing surplus funds Generate income on cash you don t need to use right away. Our online savings, term deposit and cash management accounts are the smart place to park your funds for short periods. Short term investments 1 What you may need Solutions Benefits A regular income from cash investments from $5,000 without access to your funds. Full access at a competitive rate A low cost savings account with high interest linked to another ANZ transaction account ANZ Term Deposit ANZ Business Premium Saver ANZ Business Online Saver An investment with no entry fees and a choice of terms from seven days to five years. Enjoy a great interest rate and full access to your savings at a low cost, with no account keeping fees and up to 5 free transactions per month (excluding ANZ ATMs). An online savings account with a great interest rate, no fees and instant access to savings. We ve got you covered 4 As your business grows, so may your assets. Help protect your business assets by receiving clear and simple business insurance, or ask us about income protection to help cover the unexpected. Speak to your ANZ Small Business Specialist today about what s right for you. The most important investment of all - you If you already have or would like to establish a self managed superannuation fund, talk to us today to arrange specialist advice specifically for you. Refer to page 18 for important things you need to know.

17 When you re ready to talk, we ll listen Get access to a Small Business Specialist through any ANZ branch and talk about how ANZ could help your business save you time, money and stress. Starting with an A-Z Review, we ll take the time to get to know you and your business with questions like: Are you starting your business for the first time? Are you looking for growth opportunities? What are you looking to achieve in the short (1-3 years) or long term (5-10 years) and do you have a plan already in place as to how you re going to achieve them? What are the key business challenges that you re facing over the next 12 months? How do you plan to meet them? Once we ve developed a deeper understanding of your business, where it s at and where you want it to go, we ll work with you to customise a solution to suit your business banking needs. See a change coming? Thinking about moving to the coast, country or the city? If you re going to set up a business once you re there, check out the services and support we can offer you in rural, regional and metropolitan Australia. Simply speak to your Small Business Specialist today.

18 Important things you need to know 1 This material does not take into account your personal needs and financial circumstances and you should consider whether it is appropriate for you. ANZ recommends you read the terms and conditions and fees and charges for each product which are available by calling or visiting anz.com before considering whether you will acquire or hold the product. 2 Temporary service interruptions may occur. Technical requirements may apply. 3 All applications for credit facilities, Indemnity/Guarantees and Merchant Payable solutions are subject to ANZ s normal credit assessment approval criteria. Fees and charges apply. Full details of relevant term and conditions and fees and charges are available on application or by calling ANZ sources Business, Farm & Commercial Motor Insurance from OnePath General Insurance Pty Ltd ABN (OnePath GI). The issuer of these insurances is by QBE Insurance (Australia) Limited ABN AFSL (QBE), the holder of an Australian Financial Services Licence. ANZ receives a commission of up to 20% of the net premium within 3 months from the issuer if you purchase the insurance but is not acting as your agent. OnePath GI is owned by ANZ an authorised deposit taking institution (ADI) under the Banking Act 1959 (Cth). The issuer(s) are not an ADI. Except as set out in the contract terms including the Product Disclosure Statement of the issuer(s), this product is neither a deposit or other liability of ANZ or any member of the ANZ Group, other than the relevant issuer(s). None of them stand behind or guarantees the issuer(s). The information provided is general in nature only and does not take into account your personal needs and financial circumstances and you should consider whether the product is appropriate for you by reading the Product Disclosure Statement before acquiring or continuing to hold the product, which is available by visiting any ANZ branch, calling or visiting anz.com. See ANZ Business Banking Transaction Accounts Fees and Charges booklet for full definition. 5 Eligibility and terms and conditions apply. Please refer to the ANZ Business Transaction Accounts Terms and Conditions. 6 Additional fees and charges apply to certain services, such as non-anz operator fees, overseas ATM fees and international transactions. 7 We recommend you use ANZ ATMs wherever possible to help minimise transaction fees. Fees may apply at non-anz ATMs. 8 You won t be liable for unauthorised transactions on your ANZ Business Visa Debit Card. Terms and conditions apply - please refer to the ANZ Business Transaction Accounts Terms and Conditions for further detail. 9 ANZ recommends that you seek independent tax or financial advice where appropriate. Consult your accountant or tax advisor for further information about possible tax benefits. TM ANZ Falcon is a trade mark of Australia and New Zealand Banking Group Limited. Falcon is a trade mark of Fair Isaac Corporation.

19 18 19 Find out more Contact an ANZ Small Business Specialist today on Visit smallbusiness.anz.com to find a Small Business Specialist near you

20 Find out more Visit your nearest ANZ branch Call an ANZ Small Business Specialist today on Australia and New Zealand Banking Group Limited (ANZ) ABN AFSL Australian Credit Licence Number ANZ s colour blue is a trademark of ANZ W Visit anz.com/smallbusiness anz.com

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Home and Investment Loans. Be ready to make your move.

Home and Investment Loans. Be ready to make your move. Home and Investment Loans Be ready to make your move. We ve got what you need to make things happen. Whether you re thinking of buying your first home, your next home, an investment property, switching

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

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

Transaction Accounts Fees and Charges

Transaction Accounts Fees and Charges Transaction Accounts Fees and Charges ANZ BUSINESS BANKING 28.08.2015 For ANZ Business Advantage Accounts, ANZ Business Extra Accounts, ANZ Business Classic Accounts (ii) ANZ Business Extra 50 Accounts

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

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

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

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

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

HSBC Visa Debit Card. Making the most of your card. HSBC Customer Service Centre. Go to hsbc.com.au/debit

HSBC Visa Debit Card. Making the most of your card. HSBC Customer Service Centre. Go to hsbc.com.au/debit HSBC Customer Service Centre Go to hsbc.com.au/debit Call 1300 308 008 from Australia +61 2 9005 8131 from Overseas 24 hours a day, 7 days a week ^Visa Zero Liability subject to investigation of unauthorised

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

Home and Investment Loans. Be ready to make your move.

Home and Investment Loans. Be ready to make your move. Home and Investment Loans Be ready to make your move. We ve got what you need to make things happen. Whether you re thinking of buying your first home, your next home, an investment property, switching

More information

Financing your business. Overdraft Credit Cards Business Loan Equipment Finance Specialised Finance

Financing your business. Overdraft Credit Cards Business Loan Equipment Finance Specialised Finance Financing your business Overdraft Credit Cards Business Loan Equipment Finance Specialised Finance At Bank of Melbourne, we know that no two businesses are the same. So our banking begins with a conversation.

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

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

ANZ MERCHANT SERVICES AT A GLANCE SIMPLE AND RELIABLE PAYMENT SOLUTIONS

ANZ MERCHANT SERVICES AT A GLANCE SIMPLE AND RELIABLE PAYMENT SOLUTIONS ANZ MERCHANT SERVICES AT A GLANCE SIMPLE AND RELIABLE PAYMENT SOLUTIONS ANZ MERCHANT SERVICES AT A GLANCE IN STORE ON THE GO ONLINE KEY FEATURES Turbo 2 Turbo Plus Mobile 2 Mobile Plus Easy integration

More information

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

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

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

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

Fees and Charges Effective 17 April 2016

Fees and Charges Effective 17 April 2016 Effective 17 April 2016 Contents Saving money on your banking...1 Everyday accounts...2 Savings accounts... 3 Term Deposits and Foreign Currency Term Deposits...4 ANZ Freedom Years Package... 4 ANZ Migrant

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

Your guide to Volkswagen Financial Services

Your guide to Volkswagen Financial Services Your guide to Volkswagen Financial Services 1 About Volkswagen Financial Services Volkswagen Financial Services Product Benefits Personal Finance Consumer Loans 12 Novated Lease / Salary Packaging 14 Business

More information

Finance Fees and Charges

Finance Fees and Charges Finance Fees and Charges ANZ BUSINESS BANKING 28.10.2015 Contents Business Finance Loan Approval Fee 3 Credit Facility Fee 4 Loan Administration Charge 6 Renegotiation Fee 7 ANZ Business Select 7 ANZ Commercial

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

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

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

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

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

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

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

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

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

ANZ Bank New Zealand Limited ANZ17881

ANZ Bank New Zealand Limited ANZ17881 ANZ Credit Card Conditions of Use Effective 9 December 2015 This document sets out your ANZ Credit Card s terms and conditions In this document we ve explained the terms and conditions applying to your

More information

SCHEDULE OF FEES AND CHARGES. Effective date: 1 November 2015

SCHEDULE OF FEES AND CHARGES. Effective date: 1 November 2015 SCHEDULE OF FEES AND CHARGES Effective date: 1 November 2015 Contents This booklet forms part of the Banking s Terms and Conditions for the following products: Everyday Everyday Retirement Gold Cash Management

More information

Finance for your personal needs

Finance for your personal needs Finance for your personal needs Flexible finance from the Volkswagen specialists Choosing a new car is a very personal thing, and we think car finance should be just as personal. We re here to help you

More information

Credit Facility Fee. Loan/Facility Type

Credit Facility Fee. Loan/Facility Type Credit Facility Fee The Credit Facility Fees described below apply and are payable in arrears, unless otherwise advised to you in writing by ANZ. Loan/Facility Type ANZ Business Overdraft The Credit Facility

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

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... 2 Savings accounts... 5 Cards... 6 Foreign Currency Account... 9 Foreign

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

Flexible and convenient equipment finance for your business. Expect nothing less.

Flexible and convenient equipment finance for your business. Expect nothing less. Equipment Finance equipment finance Flexible and convenient equipment finance for your business. Expect nothing less. Delphi Bank s flexible and convenient equipment finance solutions are a competitively

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

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

Home Loan Refinancing Guide

Home Loan Refinancing Guide Home Loan Refinancing Guide Contents How refinancing works... 3 Steps to refinancing... 4 Choose the home loan that s right for you... 4 Give your loan a regular 'health check'... 9 Aussie is a trade mark

More information

ASK US TODAY! 5.21 % pa 5.24 % pa. 4.94 % pa 5.73 % pa. Spring clean your finances! SEPTEMBER 2013. Call 1300 364 400 www.sgecu.com.

ASK US TODAY! 5.21 % pa 5.24 % pa. 4.94 % pa 5.73 % pa. Spring clean your finances! SEPTEMBER 2013. Call 1300 364 400 www.sgecu.com. SGE News SEPTEMBER 2013 Spring clean your finances! 2 Year Fixed Rate Home Loan 4.94 % pa 5.73 % pa 5.21 % pa 5.24 % pa IN THIS ISSUE We have the home loan solution for you! Purchasing a car? Talk to SGE!

More information

Elders Finance Solutions MAKES MORE POSSIBLE.

Elders Finance Solutions MAKES MORE POSSIBLE. Elders Finance Solutions MAKES MORE POSSIBLE. ELDERS FINANCE UNDERSTANDS THE UNIQUE NEEDS OF RURAL CLIENTS AND CAN MATCH THESE AGAINST PRODUCTS TAILORED SPECIFICALLY TO MEET THE NEEDS OF RURAL AND REGIONAL

More information

Business Lending. Maximising your cash flow and financing your business needs

Business Lending. Maximising your cash flow and financing your business needs Business Lending Maximising your cash flow and financing your business needs You drive the business. We ll drive the service. Often there just isn t enough time to stop and think about how you could improve

More information

Suncorp Bank Business Accounts Product Information Document

Suncorp Bank Business Accounts Product Information Document Suncorp Bank Business Accounts Product Information Document This document contains information on Suncorp Bank Business Accounts: Business Everyday Accounts, Business Premium Accounts, Business Saver Accounts,

More information

All your daily banking needs

All your daily banking needs Bankwest Everyday Banking All your daily banking needs It s good to keep things simple. Happy Banking How can we make life easier for you? Feel-good banking comes from easy to use everyday accounts that

More information

A GUIDE TO PERSONAL BANKING 1 February 2008

A GUIDE TO PERSONAL BANKING 1 February 2008 Graphics Courtesy Of Sun Productions A GUIDE TO PERSONAL BANKING 1 February 2008 HOW TO CONTACT US For a full list of products that are offered by BRED please do not hesitate to contact us. We look forward

More information

Finance Fees and Charges. ANZ Business Banking

Finance Fees and Charges. ANZ Business Banking Finance Fees and Charges ANZ Business Banking February 2008 Contents Page Business Finance > Loan Approval Fee 1 > Credit Facility Fee 2 > Loan Administration Charge 3 > Renegotiation Fee 3 > ANZ Business

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

Frequently asked questions - Visa paywave

Frequently asked questions - Visa paywave Frequently asked questions - Visa paywave What is Visa paywave? Visa paywave is a new contactless method of payment - the latest evolution in Visa payments. It is a simple, secure and quick payment method

More information

AIB Graduate Account. Supporting you on the road to success. Drop in to any branch 1890 788 336 www.aib.ie

AIB Graduate Account. Supporting you on the road to success. Drop in to any branch 1890 788 336 www.aib.ie AIB Graduate Account Supporting you on the road to success. Drop in to any branch 1890 788 336 www.aib.ie Contents 01 Introduction 02 How it works 04 AIB Phone, Internet & Tablet Banking 06 AIB Mobile

More information

HOME LOANS AND LINES OF CREDIT

HOME LOANS AND LINES OF CREDIT HOME LOANS AND LINES OF CREDIT GENUINE LOANS FOR REAL PEOPLE Product Information Brochure Effective from 1 November 2014 At Queensland Country we offer genuine home loans for real people. We understand

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

Institutional Financial Services ( IFS ) and Corporate Product Disclosure Statement ( PDS ) Fees

Institutional Financial Services ( IFS ) and Corporate Product Disclosure Statement ( PDS ) Fees Institutional Financial Services ( IFS ) and Corporate Product Disclosure Statement ( PDS ) Fees Version: October 2008 This PDS is part 2 of 2 of the PDS for the following products: ANZ Corporate Transaction

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

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

ANZ EFTPOS card and ANZ Visa Debit card

ANZ EFTPOS card and ANZ Visa Debit card ANZ EFTPOS card and ANZ Visa Debit card Conditions of Use Where to find things in this document What you need to know about these Conditions of Use...1 How to contact us...1 A glossary of the terms we

More information

3 ways to maximise every dollar in your SMSF.

3 ways to maximise every dollar in your SMSF. 3 ways to maximise every dollar in your SMSF. We knowhow. Contents. Your super, your way. Once you ve established a Self Managed Super Fund, we have a three-piece DIY Super Solution to help you manage

More information

ANZ Personal Banking GENERAL FEES AND CHARGES

ANZ Personal Banking GENERAL FEES AND CHARGES ANZ Personal Banking GENERAL FEES AND CHARGES 23.11.2015 Contents General banking Credit cards Lending Housing loans Security for loans Car loans Personal Loans International payments and travel money

More information

A simply better home loan for you

A simply better home loan for you A simply better home loan for you A simply better home loan Buying a home is the great Aussie dream. Which is why at PLAN Lending we re committed to helping turn your dreams into reality, whether you

More information

CASH FLOW & PAYMENTS free up time to focus on the bigger things

CASH FLOW & PAYMENTS free up time to focus on the bigger things CASH FLOW & PAYMENTS free up time to focus on the bigger things Like to know more? Tell us more about your business needs, and we can suggest some appropriate solutions. Talk to a Business Banking Manager,

More information

Lite Transaction Account

Lite Transaction Account Lite Transaction Account Direct Option/Transaction Option Product Schedule bankwest.com.au NB: This Product Schedule is specific to the Lite Transaction Account and/or any facility made available with

More information

Suncorp Wealth Cash Management Account Product Information Document

Suncorp Wealth Cash Management Account Product Information Document Suncorp Wealth Cash Management Account Product Information Document This document contains information about the Suncorp Wealth Cash Management Account. This document must be read in conjunction with the

More information

YOUR BENEFITS GUIDE. Welcome to your. CIBC Classic Visa. Card

YOUR BENEFITS GUIDE. Welcome to your. CIBC Classic Visa. Card YOUR BENEFITS GUIDE Welcome to your CIBC Classic Visa Card Welcome to your CIBC Classic Visa Card. And a completely different credit card experience. Your new CIBC Classic Visa Card comes with our promise

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

Which card suits you? Rewards. Program Yes. Enter your PIN & select CR. (purchases or. ATM cash out) digit card number, CVV number and often your name

Which card suits you? Rewards. Program Yes. Enter your PIN & select CR. (purchases or. ATM cash out) digit card number, CVV number and often your name cards SuMMERLAND Which card suits you? TYPE OF CARD ATM Store Purchases Contactless/ paywave Shop Online Overseas Use (purchases or ATM cash out) Visa credit Rewards Visa credit Low rate Enter your PIN

More information

Lending Fees and Charges for Other Suncorp Bank Home Loans and Packages

Lending Fees and Charges for Other Suncorp Bank Home Loans and Packages Lending Fees and Charges for Other Suncorp Bank Home Loans and Packages Effective Date: 22 November 2014 The following home loans are no longer available for new loans. Fee or Charge Description Professional

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

CLUB LLOYDS PRIVATE BANKING ACCOUNT. Everyday banking that fits around you

CLUB LLOYDS PRIVATE BANKING ACCOUNT. Everyday banking that fits around you CLUB LLOYDS PRIVATE BANKING ACCOUNT Everyday banking that fits around you WELCOME TO YOUR NEW CLUB LLOYDS PRIVATE BANKING ACCOUNT Contents Club Lloyds Private Banking Account 1 Current account credit interest

More information

LIFE INSURANCE PREPARING FOR THE FUTURE

LIFE INSURANCE PREPARING FOR THE FUTURE LIFE INSURANCE PREPARING FOR THE FUTURE Bupa life insurance is issued by ClearView Life Assurance Limited (ABN 12 000 021 581) (AFS Licence No. 227682) ( ClearView ). Bupa Australia Pty Limited (ABN 81

More information

Big business advantage, small business flexibility.

Big business advantage, small business flexibility. Big business advantage, small business flexibility. BMW Financial Services Chattel Mortgage The Ultimate Driving Machine BMW applies the same disciplined, yet creative and dynamic approach to finance services

More information

BNZ Business First Visa Card

BNZ Business First Visa Card BUSINESS FIRST VISA CARD Helpful information about BNZ Business First Visa Card Putting your Business First BNZ Business First Visa card is the smart way to manage your day to day business expenses. It

More information

Personal Savings Bank Accounts. Fees and Charges

Personal Savings Bank Accounts. Fees and Charges Personal Savings Bank Accounts Fees and Charges ABN 63 087 651 849 AFSL & Australian Credit Licence No. 246884 Effective Date 25 June 2015 Goldfields Money's Vision - A Fair Cost of Banking Services Goldfields

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

Home and Investment Loans

Home and Investment Loans 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

Fees & Charges Deposit Accounts

Fees & Charges Deposit Accounts Fees & Charges Deposit s Effective Date 6 October 2014 Section A Section B Section C Section D Section E Section F Personal Fees & Charges Business Fees & Charges Other Fees & Charges Government Fees &

More information

Finance for your business needs

Finance for your business needs Finance for your business needs Flexible finance from the Volkswagen specialists Choosing a new car is a very personal thing. And we think car finance should be just as personal. We re here to help you

More information

Your guide to everyday banking.

Your guide to everyday banking. Your guide to everyday banking. 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

More information

Visa Debit Card Conditions of Use.

Visa Debit Card Conditions of Use. Visa Debit Card Conditions of Use. Your Visa Debit Card gives you all the benefits of an EFTPOS card and more. That s because now you can shop everywhere you would with EFTPOS and anywhere VISA is accepted.

More information

AMP Banking Deposits. Right on the money

AMP Banking Deposits. Right on the money AMP Banking Deposits Right on the money Contents Features at a glance 3 Cash Management Account 4 Investment Builder Account 6 easysaver 8 Term Deposits 10 The complete banking solution 12 How to open

More information

CUSTOMER GUIDE RETRO

CUSTOMER GUIDE RETRO Our classic home loan products with modern features, good old fashioned service and options for a unique tailored approach. CUSTOMER GUIDE RETRO Who is AFG Home Loans? AFG Home Loans has a range of home

More information