Savings and Term Investment Accounts. Savings made easy, however you choose to do it.

Size: px
Start display at page:

Download "Savings and Term Investment Accounts. Savings made easy, however you choose to do it."

Transcription

1 Savings and Term Investment Accounts Savings made easy, however you choose to do it.

2 If you re looking for a savings account we have different types you can choose from, each slightly different to fit the way you like to save... To find the account, or accounts that are best for you, it s worth spending a minute or two to think about what sort of saver you are what are your savings goals? are you able to save regularly or just from time to time? how often do you think you might need to dip into your savings? Superannuitants and customers under 19 are eligible for certain fee exemptions. Please refer to our Transaction and Service Fees brochure for further details. Would you like to apply? If you d like to know more, call between 7am and 11pm, 7 days a week or visit your nearest Westpac branch. You can also visit us at to find out about other ways we can help.

3 How do you like to save? Making saving easier To help make saving easier you can make regular deposits with automatic payments or payline split. Ask one of our staff to help you decide which option may suit you. Accessing your savings Our savings accounts give you a range of ways to access your money. These include visiting any Westpac branch, use of Phone or Online banking or use of your Westpac card at Westpac ATMs or EFTPOS. Refer to the various account pages for specific access options. Which account suits you best? If you want... An online savings account You want an account that allows you to dip into it when you need to. You only want to transact via Online banking, Phone banking or ATM. You want an on-call account with no account maintenance or transaction fees. This account may suit you... Online Saver See page 3 An online account with bonus interest to help you reach your goals sooner You want a high interest account that rewards you for saving regularly. You re serious about saving and won t be tempted to dip into your account regularly. You only want to transact via Online banking, Phone banking or ATM. You want an on-call account with no account maintenance or transaction fees. Online Bonus Saver See page 4 1

4 If you want... This account may suit you... Saving to be simple You save what you can, when you can. You want an easy way to put money away and access it if you need it through a wide variety of account access options. You want to know you ll get a healthy return no matter how much you save. Simple Saver See page 6 To reach your goals sooner You can save regularly and are prepared to leave your savings alone until you need them. Or maybe you need a bit of help to get into the saving habit. Either way you d like an incentive to make it worth the effort. Bonus Saver See page 7 Somewhere to park your money for free and the chance to win You want it to be easy to put money away or take it out through a wide variety of account access options. Interest helps, but you d like the chance for prizes. Save & Win See page 9 Invest for a fixed term at a fixed rate Want a simple way to invest your savings where everything s fixed at the start. Want to lock in the certainty of a fixed return that tends to be higher than a savings account. Want the possibility of receiving a regular income. Term Deposit See page 11 Tax effective alternative to a Term Deposit Want an investment that works in a similar way to a Term Deposit with a fixed rate of return for a fixed period of time. You re on a 33% or 30% income tax rate and you want to cap tax on your returns at 28%. Term PIE Fund See page 12 2

5 Is Online Saver for you? Westpac Online Saver is an on-call savings account that provides you with the flexibility to manage your funds online via Online banking, Phone banking or ATM anytime/anywhere. Online Saver offers high rates of interest, no monthly account maintenance fees or transaction fees and because it s an oncall account you have the convenience of instant online access 24 hours a day, 7 days a week. Online Saver is ideal for those looking to maximise the return on funds invested. Key differences An on-call account that offers high rates of interest with no monthly account maintenance fees or transaction fees. To operate an Online Saver you must hold a Westpac transaction account. Funds can only be accessed through Online banking, Phone banking and ATM transfers. No minimum opening balance. No transaction fees for deposits or withdrawals. Your interest is paid every month Interest is calculated daily on the full credit balance and is paid (less resident withholding tax) into your Online Saver account on the last business day of each month. Interest rates are variable and are reviewed regularly to ensure you continue to earn a competitive on-call rate. Ask us for the latest rates. Access to your money To operate the Online Saver, you must hold a Westpac transaction account. Transfers from your Online Saver can only be made directly into your Westpac transaction account. You have 24 hour electronic transfer access to your funds via Online banking, Phone banking and ATM transfer. Managing your account online will provide you with a clear picture of how your savings are tracking. We will send you an account statement every six months, or if you d prefer to get all your account information online, you can arrange to stop your statement via Online banking. 3

6 What does it cost? Monthly account maintenance fee All electronic deposits Internet transfers ATM balance enquiry/transfer of funds* Phone banking transfers** Other fees may apply refer to the Westpac Transaction and Service Fees brochure. * There are additional charges if you choose to use other banks ATMs or use your account for foreign currency transactions. ** Standard phone banking access fees apply. The above fees relate to Online Saver only. If fees apply to the account which money is being transferred to or from, standard fees will apply. Is Online Bonus Saver for you? Westpac Online Bonus Saver is an online, on-call savings account designed for people who are serious about saving. Online Bonus Saver gives you the chance to earn bonus interest every month. If you make at least one deposit and no withdrawals each month, you ll receive bonus interest. This is a great incentive to stop you from dipping into your savings, and to also ensure you make regular deposits to help your savings grow even faster. And when you leave the interest in your account, you earn interest on your interest. Like the Online Saver account, Online Bonus Saver provides you with the flexibility to manage your funds online, via Online banking, Phone banking or ATM. It also offers a high rate of interest with savings incentives to help your money grow. Online Bonus Saver is ideal for those who want to take control of their savings, and reach their goals quicker. And because it s an online account, you have the convenience of instant online access 24 hours a day, 7 days a week. 4

7 Key differences An on-call account that offers a competitive base rate of interest, with added bonus interest when you make at least one deposit and no withdrawals each month. There is no minimum deposit amount required to earn bonus interest. No monthly account or transaction fees. To operate an Online Bonus Saver, you must hold a Westpac transaction account. Funds can only be accessed through Online banking, Phone banking and ATM transfers, and then transferred to your Westpac transaction account. No minimum balance required for opening an account or to start earning interest. Your interest is paid every month Interest is calculated daily on the full credit balance and is paid (less resident withholding tax) into your Online Bonus Saver account on the last business day of each month. Interest rates are variable and are reviewed regularly to ensure you continue to earn a competitive on-call rate. Ask us for the latest rates. Bonus interest to help you save You ll earn interest on your savings no matter what your balance is. To help you grow your savings even more, Online Bonus Saver offers bonus interest for those who are serious about saving. If you make no withdrawals and deposit at least once into the account each month, you ll receive bonus interest - helping you reach your goals more quickly. Access to your money To operate an Online Bonus Saver, you must hold a Westpac transaction account. Transfers from your Online Bonus Saver can only be made directly into your Westpac account. You have 24 hour electronic transfer access to your funds via Online banking, Phone banking and ATM transfer. Managing your account online will provide you with a clear picture of how your savings are tracking. We will send you an account statement every six months, or if you d prefer to get all your account information online you can arrange to stop your statement via Online banking. 5

8 What does it cost? Monthly account maintenance fee All electronic deposits Internet transfers ATM balance enquiry / transfer of funds* Phone banking transfers** Other fees may apply refer to the Westpac Transaction and Service Fees brochure. * There are additional charges if you choose to use other banks ATMs or use your account for foreign currency transactions. ** Standard phone banking access fees apply. The above fees relate to Online Bonus Saver only. If fees apply to the account which money is being transferred to or from, standard fees will apply. Is Simple Saver for you? Simple Saver is just that really simple. You earn the same rate of interest on every dollar you save, with no rules around how much, or how often you deposit or withdraw each month. You just put away what you can, when you can, and earn a set rate of interest every month. The account is flexible you can deposit or withdraw your money at any time, and access your funds with Phone or Online banking, at any branch, ATM or EFTPOS machine. Every month you earn the same rate of interest regardless of how many transactions you have made, or your total account balance. You get a healthy interest rate no matter how you choose to use your account. Key differences Wide range of account access options. Earn a set rate of interest every month. One rate of interest regardless of your account balance. Your interest is not affected by the number of transactions you make. 6

9 Your interest is paid every month Interest is calculated on your daily balance and is paid (less resident withholding tax) into your Simple Saver account on the last business day of each month. What does it cost? Transactions All deposits Your first withdrawal each month is free. After that you pay for any other withdrawal* Electronic withdrawals* $1.00 Manual withdrawals $3.00 Account maintenance charge On all accounts Other fees may apply refer to the Westpac Transaction and Service Fees brochure. * There are additional charges if you choose to use other banks ATMs or use your account for foreign currency transactions. These charges, and prices for other services you may use, are detailed in the Transaction and Service Fees brochure, available from any Westpac branch. Is Bonus Saver for you? Bonus Saver helps you get results. You have the chance to earn bonus interest every month, which helps to drive your savings balance higher. The bonus interest is an incentive not to dip into your savings, so your balance grows faster. If you save regularly each month we ll reward you with bonus interest to help you reach your goals sooner. And if you leave the bonus interest in your account, you earn interest on your interest. You can earn even more, and save on account charges once you ve built up your account balance. Bonus Saver helps you make saving a habit. The bonus interest encourages you to stick to your savings goals. And to help you stay in control and resist temptation, there are transaction costs for withdrawals beyond the first transaction in any one month. 7

10 Key differences You can earn bonus interest every month. Tiered base interest rates mean the higher your balance, the more you can earn. If you need to access your funds, you can do so through a wide range of account access options. Your interest is paid every month Interest is calculated on your daily balance and is paid (less resident withholding tax) into your Bonus Saver account on the last business day of each month. Save more and receive more interest Every month you earn a base rate of interest depending on your account balance. The higher your balance the more you earn. Plus any month you add to your savings and don t take anything out we ll pay you bonus interest for that month. What does it cost? Transactions All deposits Your first withdrawal each month is free. After that you pay for any other withdrawal* $3.00 Account maintenance charge If your average monthly balance is $1,000 or over If your average monthly balance is below $1,000 $2.50 per month Other fees may apply refer to the Westpac Transaction and Service Fees brochure. * There are additional charges if you choose to use other banks ATMs or use your account for foreign currency transactions. These charges, and prices for other services you may use, are detailed in the Transaction and Service Fees brochure, available from any Westpac branch. 8

11 Is Save & Win for you? Save & Win provides a fun place to keep your money, and it doesn t need to cost you a thing. You have the opportunity to take part in monthly prize draws, and the more you save, the more chances you have to win. You can save any amount you like with no account maintenance or deposit fees. With Save & Win your money is accessible any time you need it. You have a range of options including Online and Phone banking. Key differences No monthly account maintenance charge. A wide range of account access options. You have the chance to take part in monthly prize draws. Save more and get more chances to win Every month, Save & Win offers prize draws. There are 5 prizes of $10,000, plus 500 prizes of $100 up for grabs each month. Every $1 of your average monthly Save & Win balance gives you a chance to win in that month s draw. So if your average balance for March is $300, you get 300 chances to win that month. To qualify for the draw, you also need to deposit a minimum of $10 during the prize draw month. Your interest is paid monthly Interest is calculated on your daily balance and is paid (less resident withholding tax) into your Save & Win account on the last business day of each month. What does it cost? Transactions All deposits Electronic withdrawals* $1.00 Manual withdrawals $3.00 Account maintenance charge On all accounts Other fees may apply refer to the Westpac Transaction and Service Fees brochure. * There are additional charges if you choose to use other banks ATMs or use your account for foreign currency transactions. These charges, and prices for other services you may use, are detailed in the Transaction and Service Fees brochure, available from any Westpac branch. 9

12 Save & Win Prize Draw Eligibility Criteria 10 To qualify for the prize draw you need to make a single deposit of at least $10 into your Save & Win account during the month of the prize draw. The number of chances you have to win a prize in any one draw is based on your average monthly balance. Your average monthly balance is calculated on your daily balance rounded to the nearest whole dollar. If a single deposit of at least $10 has been made during the prize draw month, for every $1 of your average monthly balance you get one entry into the prize draw. Prize draws are open to residents of New Zealand only. Westpac staff, contractors and agents, their spouse (whether named or not) or their dependents are not eligible for the prize draws. Customers can choose not to participate in the prize draw by notifying their local Westpac branch in writing. The exclusion will apply from the date notification is received until such time as you instruct us otherwise. Customers who close their account during the month of the draw are not able to participate in the draw. Prize Draw Terms Prize draws will occur monthly ( Monthly Draw ). Additional special draws may also occur from time to time as notified to customers by Westpac. The promotion period for each Monthly Draw begins on the first day of the month and ends on the last day of the month. Prizes will be drawn on the first business day of the following month. Current cash prizes each month are: 5 major prizes of $10, minor prizes of $100 (Prizes are current as at 1 March 2011 and subject to change on 14 days notice by direct communication with customers or display in all branches, and by changes to our website) You agree to Westpac using any personal information it holds about you to contact you if you are a winner. Westpac will take all reasonable steps to contact a prize winner within 30 calendar days of the draw. All major prize winners names will be made available at Westpac branches and online at 30 calendar days after the draw. Winners will be verified by Westpac. Once successfully verified, cash prize winners will have their cash prize deposited into their Save & Win account within 30 days of the prize draw. Prizes are non-transferable. Major prize winners may have their name and area of residence published online at Winners may be asked to take part in any other publicity arranged by Westpac. All decisions made by Westpac are final and binding on all Save & Win account holders, and no correspondence will be entered into. Use of the Save & Win account, and participation in all associated prize draws, is subject to Westpac s General Terms and Conditions. A failure or delay by Westpac in exercising any power or right shall not operate as a waiver of that power or right. If an entrant is under the age of 18 years they acknowledge that they have their parent s permission to enter the promotion and agree that their parent or guardian may be required to sign acceptance of the terms and conditions of entry on their behalf prior to claiming any prize. Westpac accepts no responsibility for any tax liability incurred as a result of any person participating in a prize draw.

13 Are Term Investments right for you? A Term Deposit or the Westpac Term PIE Fund is a simple way to invest your money for a fixed return and fixed term. Interest rates tend to be higher than savings accounts and there are no fees unless you break the term. A term investment could be right for you if you: have savings you don t need access to right now have at least $5,000 to invest want a choice of fixed terms and payment options to suit your financial needs want a competitive fixed interest rate to maximise your savings. A term to match your needs A term investment is a great way to make provisions for major expenses such as a holiday, home renovations, wedding or to fund expenditure in retirement. You can set up as many investments as you need (in minimum amounts of at least $5,000) and have them mature at different times to suit your plans. A choice of payment options Depending on your term, you can choose when returns are paid into your bank account monthly, quarterly, six monthly, annually or at maturity. For terms 12 months or over, returns can also be compounded on a regular basis to grow your savings faster. Easy to manage online If you re a Westpac Online banking customer, you can view your term investment details online. Online banking also allows you to set up and reinvest Term Deposits online. Early withdrawals Choosing a term investment means you re willing to keep your money invested for a set time. Money can only be taken out in special circumstances, so if you find yourself in this position, you ll need to talk to us about your options, as approved early withdrawals are charged a break fee. To find out more For more information, including interest rates and investment options, visit and click on Investments. 11

14 Is the Westpac Term PIE Fund for you? The Westpac Term PIE Fund ( Fund ) works in a similar way to a Term Deposit where investments are for a fixed term and fixed return. Like a Term Deposit, the fund is a low risk investment which invests solely in a New Zealand dollar, interest bearing account with Westpac. For a number of investors, the Fund is likely to be a tax efficient alternative to a Term Deposit. Tax Benefits If you are on the top income tax rates of 30% or 33% (i.e. individual investors earning over $48,000 p.a. taxable income) you could benefit from an investment in the Fund. The Fund is a unit trust and registered as a Portfolio Investment Entity ( PIE ) for tax purposes. This means your investment returns are taxed at your Prescribed Investor Rate ( PIR ) up to 28%. By comparison, if you invest in a Term Deposit, you ll be taxed up to 33% on interest payments. To illustrate this tax advantage, the example below shows the Term Deposit rate required to get the same after tax return as an investment in the Fund. Example based on a 6 month term Pre tax Effective Return based on your income tax rate Term PIE Fund Rate of Return 30% income tax rate ($48,001 to $70,000 taxable income) 33% income tax rate ($70,001 and over taxable income) 5.00% p.a. 5.14% p.a.* 5.37% p.a.* * Term Deposit rate required to get the same after tax return as an investment in the Term PIE Fund. How do I establish my Prescribed Investor Rate (PIR)? Before investing in any Term Investment, we recommend you compare your PIR with your income tax rate to decide if you will be better off in the Fund. In addition, because both your taxable income and PIE income can fluctuate from year to year, it s important to also review your PIR each year. 12

15 To determine your PIR, visit and refer to the Westpac Term PIE Fund Investment Statement. Alternatively, you can visit to work out both your income tax rate and PIR. If you re a personal customer, your PIR will be 10.5%, 17.5% or 28%. For joint investments, the highest PIR of the individuals will be used. Companies will have a PIR of 0% (and need to include their PIE income in their tax return). For other non personal customers you may have a choice of PIR. To find out more For more information on the Westpac Term PIE Fund and whether you could benefit, visit termpie or see us in branch. Glossary Portfolio Investment Entity (PIE) are investment funds with special tax rules that came into existence on 1 October 2007 to ensure KiwiSaver and other investment funds were not disadvantaged from a tax perspective. Prescribed Investor Rate (PIR) is the tax rate that applies to returns from a PIE investment. For personal investors, the rate is 10.5%, 17.5% or 28%. Unit Trust is an investment vehicle that uses pooled money from investors. Investors in the Westpac Term PIE Fund hold units, each equivalent to $1.00. Taxable income examples of taxable income include salary, wages, commission, NZ Super, rent, interest and dividends, student allowances, parental leave, tips and gratuities. Taxable income does not include income from PIE compliant KiwiSaver schemes and managed funds, including the Westpac Term PIE Fund. 13

16 Information in this brochure and the terms, conditions, fees and charges for each product are current and may vary from time to time. You can get a copy of the current disclosure statement for Westpac New Zealand Limited and the investment statement for any securities, for which an investment statement is required, from any Westpac branch free of charge. Disclosure statements for Westpac advisers are available on request and free of charge from any Westpac adviser. Investments made in the Westpac Term PIE Fund do not represent bank deposits or other liabilities of Westpac Banking Corporation ABN (Westpac), Westpac New Zealand Limited (Westpac NZ) or other members of the Westpac group of companies. They are subject to investment and other risks, including possible delays in payment of withdrawal amounts in some circumstances, and loss of investment value, including principal invested. None of BT Funds Management (NZ) Limited, as manager of the Westpac Term PIE Fund, Westpac NZ, Westpac, any member of the Westpac group of companies (or any of their nominees), Trustees Executors Limited, any director of any of those entities, guarantees the Westpac Term PIE Fund performance, returns or repayment of capital. The Westpac Term PIE Fund is not offered, and this document does not constitute an offer, in any jurisdiction other than in New Zealand. Rates of return are subject to change. Westpac New Zealand Limited 72132WT

Westpac Savings & Investments. Savings and Term Investment Accounts

Westpac Savings & Investments. Savings and Term Investment Accounts Westpac Savings & Investments Savings and Term Investment Accounts Everyone is a little bit different in the way they save. The good news is we ve got lots of different savings accounts available, so you

More information

Invest your money in a tax-efficient way

Invest your money in a tax-efficient way Invest your money in a tax-efficient way INTRODUCING THE ANZ PIE FUND SEPTEMBER 2015 anz.co.nz An attractive, flexible, simple and tax-efficient investment Introducing the ANZ PIE Fund In this document

More information

Westpac Starting out. Student and graduate packages

Westpac Starting out. Student and graduate packages Westpac Starting out Student and graduate packages Our Student and Graduate Pacs take care of your banking so you can focus on your studies, or your new job and just get on with living life the way you

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 Everyday Banking. Transaction and service fees.

Westpac Everyday Banking. Transaction and service fees. Westpac Everyday Banking Transaction and service fees. As at 30 July 2015 Hints to reduce account costs Online banking With online banking, access is free and you have control to pay your bills, view your

More information

Personal. Savings & investments. Simple ways to get steady returns. Financial solutions. For life.

Personal. Savings & investments. Simple ways to get steady returns. Financial solutions. For life. Personal Savings & investments Simple ways to get steady returns Financial solutions. For life. Important information Please refer to the last page of this brochure for important information you should

More information

Westpac Everyday Banking. Transaction and service fees.

Westpac Everyday Banking. Transaction and service fees. Westpac Everyday Banking Transaction and service fees. As at 19 November 2015 Hints to reduce account costs Online banking With online banking, access is free and you have control to pay your bills, view

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. is all about you. UBank is all about you. We exist for

More information

A helpful guide for first home buyers. Westpac KiwiSaver Scheme First Home Purchase Withdrawal

A helpful guide for first home buyers. Westpac KiwiSaver Scheme First Home Purchase Withdrawal A helpful guide for first home buyers. Westpac KiwiSaver Scheme First Home Purchase Withdrawal BT Funds Management (NZ) Limited is the scheme provider and Westpac New Zealand Limited is the distributor

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

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

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

Australian Superannuation Transfer Guide

Australian Superannuation Transfer Guide Australian Superannuation Transfer Guide Contents Page Making an informed decision 3 How do I know if I have Super in Australia? 3 How do I know if my Australian Super can be transferred? 4 Why should

More information

MLC MasterKey Super & Pension Fundamentals MLC MasterKey Super & Pension How to Guide

MLC MasterKey Super & Pension Fundamentals MLC MasterKey Super & Pension How to Guide MLC MasterKey Super & Pension Fundamentals MLC MasterKey Super & Pension How to Guide Preparation date 1 July 2015 Issued by The Trustee, MLC Nominees Pty Limited (MLC) ABN 93 002 814 959 AFSL 230702 The

More information

Bonus Bonds the much more fun investment Key Information. bonusbonds.co.nz

Bonus Bonds the much more fun investment Key Information. bonusbonds.co.nz Bonus Bonds the much more fun investment Key Information. bonusbonds.co.nz This brochure is current as at 11 September 2015 and is not (and is not required to be) an Investment Statement or prospectus

More information

Interest Rates for Savings and Bank Accounts.

Interest Rates for Savings and Bank Accounts. Interest Rates for Savings and Bank Accounts. Rates apply to accounts held with rates may vary. Reference rates The sterling base rate is the Bank of England Base Rate which is currently %. The US dollar

More information

Foreign Currency Accounts

Foreign Currency Accounts Foreign Currency Accounts Westpac Savings & Investments If you re planning to go overseas, doing business with overseas companies,or simply wanting to invest in another currency, a foreign currency account

More information

Savings account conditions and information.

Savings account conditions and information. Savings Savings account conditions and information. (For personal savings accounts that are no longer available to new customers.) page heading 1 Savings account Conditions. This booklet contains the conditions

More information

Kiwibank PIE Online Call Fund Terms and Conditions

Kiwibank PIE Online Call Fund Terms and Conditions May 2015 Kiwibank PIE Online Call Fund Terms and Conditions What is the PIE Online Call Fund? The PIE Online Call Fund is an investment where You agree to deposit money into an account and We agree to

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

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

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

ADVANCE INTERNATIONAL SHARES MULTI-BLEND FUND Product Disclosure Statement (PDS)

ADVANCE INTERNATIONAL SHARES MULTI-BLEND FUND Product Disclosure Statement (PDS) ADVANCE INTERNATIONAL SHARES MULTI-BLEND FUND Product Disclosure Statement (PDS) Issued: 1 July 2015 ARSN 087 295 501 APIR ADV0053AU Contents 1. About Advance Asset Management Limited... 2 2. How the Fund

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

GUIDE TO RETIREMENT PLANNING FINANCIAL GUIDE. Making the most of the new pension rules to enjoy freedom and choice in your retirement

GUIDE TO RETIREMENT PLANNING FINANCIAL GUIDE. Making the most of the new pension rules to enjoy freedom and choice in your retirement GUIDE TO RETIREMENT PLANNING Making the most of the new pension rules to enjoy freedom and choice in your retirement FINANCIAL GUIDE WELCOME Making the most of the new pension rules to enjoy freedom and

More information

Westpac. Home Loans. Enjoy a place of your own with your. Westpac. Home Loan

Westpac. Home Loans. Enjoy a place of your own with your. Westpac. Home Loan Westpac Home Loans Enjoy a place of your own with your Westpac Home Loan We know you d rather talk about your new home than a new home loan. After all, buying a home is an exciting journey. But we d like

More information

Click on the sections below to take you straight to the specific area you wish to view without scrolling all the way through the document...

Click on the sections below to take you straight to the specific area you wish to view without scrolling all the way through the document... SAVING MATTERS If you re looking for ways to save your money, this guide explains some of the things you need to consider. We hope you find this guide useful as a first step in your research before deciding

More information

How are you saving for your future? ANZ KiwiSaver Scheme

How are you saving for your future? ANZ KiwiSaver Scheme How are you saving for your future? ANZ KiwiSaver Scheme INVESTMENT STATEMENT 17 SEPTEMBER 2015 1 Important information (The information in this section is required under the Securities Act 1978.) Investment

More information

401(k) SMART PLAN DON T WAIT. START TODAY. C40070 (7-14)

401(k) SMART PLAN DON T WAIT. START TODAY. C40070 (7-14) 401(k) SMART PLAN DON T WAIT. START TODAY. C40070 (7-14) Congratulations! You can now enroll in Publix s 401(k) SMART Plan! Saving for your future is important and the SMART Plan is here to make it easier

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

Ways to bank. With so many ways to do your banking you ll be spoilt for choice.

Ways to bank. With so many ways to do your banking you ll be spoilt for choice. Ways to bank With so many ways to do your banking you ll be spoilt for choice. Are you banking on your terms? At Westpac you can tailor the way you bank to suit your life. Whether you log on to Online

More information

KiwiSaver employer guide

KiwiSaver employer guide KS 4 MAY 2015 KiwiSaver employer guide What employers need to know about KiwiSaver WHAT IS KIWISAVER? KiwiSaver is a voluntary, work-based savings initiative designed to make regular saving for retirement

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

Cash Passport Prepaid Travel Money Card Fees and Limits

Cash Passport Prepaid Travel Money Card Fees and Limits As a prepaid currency card. Cash Passport is all about putting you in control of your holiday money and making it easier to budget for your trip away. All charges are clear upfront so you ll know exactly

More information

BNZ KiwiSaver Scheme Investment Statement.

BNZ KiwiSaver Scheme Investment Statement. KS10075 BNZ KiwiSaver Scheme Investment Statement. (6001) 040430 08-15 This is an Investment Statement for the purposes of the Securities Act 1978 and is prepared as at 17 September 2015. Important information.

More information

Understanding Superannuation

Understanding Superannuation Understanding Superannuation Client Fact Sheet July 2012 Superannuation is an investment vehicle designed to assist Australians save for retirement. The Federal Government encourages saving through superannuation

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 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

A guide to our Financial services

A guide to our Financial services A guide to our Financial services Financial Services Guide Dated 1 July 2015 BT Funds Management Limited ABN 63 002 916 458 Australian Financial Services Licence No. 233724 RSE Licence No. L0001090 as

More information

BT Super for Life. Product Disclosure Statement (PDS) Contents. Dated 1 July 2014

BT Super for Life. Product Disclosure Statement (PDS) Contents. Dated 1 July 2014 Contents BT Super for Life Product Disclosure Statement (PDS) Dated 1 July 2014 1. About BT Super for Life 2 2. How super works 2 3. Benefits of investing with BT Super for Life 3 4. Risks of super 5 5.

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

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

Smart strategies for maximising retirement income

Smart strategies for maximising retirement income Smart strategies for maximising retirement income 2010 Why you need to create a life-long income Australia has one of the highest life expectancies in the world and the average retirement length has increased

More information

Bring your Australian super home. ANZ KiwiSaver Scheme ANZ Default KiwiSaver Scheme

Bring your Australian super home. ANZ KiwiSaver Scheme ANZ Default KiwiSaver Scheme Bring your Australian super home ANZ KiwiSaver Scheme ANZ Default KiwiSaver Scheme If you ve worked in Australia at any time since 1992, you may have some Australian super tucked away. You can transfer

More information

Classic Account. With you when you want a good all rounder.

Classic Account. With you when you want a good all rounder. Classic Account With you when you want a good all rounder. You ll find everything you need to know about your new Classic Account in the following pages. Welcome 1 Your Bank of Scotland debit card 2 Choose

More information

ADVANCE RETIREMENT SAVINGS ACCOUNT Annual Report for year ended 30 June 2014. Issued by BT Funds Management Limited ABN 63 002 916 458 AFSL 233724

ADVANCE RETIREMENT SAVINGS ACCOUNT Annual Report for year ended 30 June 2014. Issued by BT Funds Management Limited ABN 63 002 916 458 AFSL 233724 ADVANCE RETIREMENT SAVINGS ACCOUNT Annual Report for year ended 30 June 2014 Issued by BT Funds Management Limited ABN 63 002 916 458 AFSL 233724 CONTENTS Introduction... 1 Recent developments in superannuation...

More information

Our managed funds products are issued by

Our managed funds products are issued by Our managed funds products are issued by 1 According to the Investment and Financial Services Association 1, Australia s first managed funds were introduced in 1954. Since then the industry has grown substantially

More information

BT Business Super. A guide for employees October 2009

BT Business Super. A guide for employees October 2009 BT Business Super A guide for employees October 2009 > > Contents 1 Why invest in super? 2 Strategies for your super 4 Investment options 5 Features at a glance Westpac Securities Administration Limited

More information

Gold Checking Frequently Asked Questions:

Gold Checking Frequently Asked Questions: Gold Checking Frequently Asked Questions: What are the benefits of Gold Checking? High- dividend on balances up to $15,000. Nationwide ATM fees refunded up to $25 a month. Free Online and Mobile Banking

More information

TRUST. Understanding Your Deposit Account. Truth in Savings

TRUST. Understanding Your Deposit Account. Truth in Savings Understanding Your Deposit Account Truth in Savings TRUST MEMBER FDIC TRUTH-IN-SAVINGS DISCLOSURE Important Account Opening Information. Federal law requires us to obtain sufficient information to verify

More information

Shop, switch and save

Shop, switch and save Shop, switch and save A no-nonsense guide to switching your home loan, bank account, savings account or credit card. Virgin Money (Australia) Pty Limited ABN 75 103 478 897 AR is an Authorised Representative

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

ADVANCE AUSTRALIAN SHARES MULTI-BLEND FUND Product Disclosure Statement (PDS)

ADVANCE AUSTRALIAN SHARES MULTI-BLEND FUND Product Disclosure Statement (PDS) ADVANCE AUSTRALIAN SHARES MULTI-BLEND FUND Product Disclosure Statement (PDS) Issued: 1 July 2015 ARSN 087 296 008 APIR ADV0045AU Contents 1. About Advance Asset Management Limited... 2 2. How the Fund

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

Smart strategies for maximising retirement income 2012/13

Smart strategies for maximising retirement income 2012/13 Smart strategies for maximising retirement income 2012/13 Why you need to create a life long income Australia has one of the highest life expectancies in the world and the average retirement length has

More information

Programmed Employee Share Acquisition Plan (PESAP)

Programmed Employee Share Acquisition Plan (PESAP) Programmed Employee Share Acquisition Plan (PESAP) Programmed Employee Share Acquisition Plan ( PESAP ) Key Dates Offer commences Wednesday 1 June 2016 Initial offer close date Monday 20 June 2016 Contributions

More information

DEPOSIT ACCOUNT AGREEMENT

DEPOSIT ACCOUNT AGREEMENT DEPOSIT ACCOUNT AGREEMENT All America Bank P.O. Box 300 Mustang, OK 73064 November 17, 2015 This disclosure contains information about terms, fees, and interest rates for some of the accounts we offer.

More information

Westpac. Home Loans. Enjoy a place of your own with your. Westpac. Home Loan

Westpac. Home Loans. Enjoy a place of your own with your. Westpac. Home Loan Westpac Home Loans Enjoy a place of your own with your Westpac Home Loan We know you d rather talk about your new home than a new home loan. After all, buying a home is an exciting journey. But we d like

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

BT Wholesale Multi-manager Australian Shares Fund

BT Wholesale Multi-manager Australian Shares Fund BT Wholesale Multi-manager Australian Shares Fund Product Disclosure Statement ( PDS ) Issued 1 July 2015 ARSN 118 469 720 APIR BTA0259AU Contents 1. About BT Funds Management Limited 2 2. How the Fund

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

Personal and Business Checking and Savings Solutions

Personal and Business Checking and Savings Solutions 2015 Bank of Texas, a division of BOKF, NA. Member FDIC. Equal Housing Lender. TX CN 4000 Rev. 3/15 Personal and Business Checking and Savings Solutions Call our 24-Hour ExpressBank TABLE OF CONTENTS Personal

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

BT Super for Life. Product Disclosure Statement (PDS) Contents. Dated: 1 July 2015

BT Super for Life. Product Disclosure Statement (PDS) Contents. Dated: 1 July 2015 Contents BT Super for Life Product Disclosure Statement (PDS) Dated: 1 July 2015 1. About BT Super for Life 2 2. How super works 2 3. Benefits of investing with 3 BT Super for Life 4. Risks of super 5

More information

COMMONWEALTH BANK FIRST HOME SAVER ACCOUNT. Product Disclosure Statement. (No longer available for sale)

COMMONWEALTH BANK FIRST HOME SAVER ACCOUNT. Product Disclosure Statement. (No longer available for sale) COMMONWEALTH BANK FIRST HOME SAVER ACCOUNT Product Disclosure Statement. (No longer available for sale) 29 January 2015 Contents 1. Who can have a First Home Saver Account 2. How the First Home Saver Account

More information

1 The Terrace, PO Box 3724, Wellington 6140 Tel: (04) 472-2733 Email: savingsworkinggroup@treasury.govt.nz

1 The Terrace, PO Box 3724, Wellington 6140 Tel: (04) 472-2733 Email: savingsworkinggroup@treasury.govt.nz 1 The Terrace, PO Box 3724, Wellington 6140 Tel: (04) 472-2733 Email: savingsworkinggroup@treasury.govt.nz Document: Aligning the Tax Rates on PIEs and Other Investments Author: [Inland Revenue] Date:

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

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

Westpac Credit Card Conditions of Use. MasterCard cards and Visa cards and hotpoints American Express Card(s)

Westpac Credit Card Conditions of Use. MasterCard cards and Visa cards and hotpoints American Express Card(s) Westpac Credit Card Conditions of Use MasterCard cards and Visa cards and hotpoints American Express Card(s) These are your Westpac credit card conditions of use. Please read these conditions of use and

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

Grow your Business. or DIY Super cash the. easy way! Business Optimiser Information Brochure

Grow your Business. or DIY Super cash the. easy way! Business Optimiser Information Brochure Grow your Business or DIY Super cash the easy way! Business Optimiser Information Brochure 1 I want an easy way to grow my cash A Business Optimiser could be the answer Business Optimiser is a smart and

More information

Using debt effectively Smart strategies for 2015 2016

Using debt effectively Smart strategies for 2015 2016 Using debt effectively Smart strategies for 2015 2016 William Shakespeare wrote, Neither a borrower nor a lender be, but the fact is debt can be a very useful tool when used properly. Contents The value

More information

Overseas social security pensions

Overseas social security pensions IR 258 September 2014 Overseas social security pensions For information about other overseas pensions and annuities, read our guide Overseas pensions and annuity schemes (IR 257). 2 OVERSEAS SOCIAL SECURITY

More information

A guide to our financial services and terms and conditions of using Westpac Online

A guide to our financial services and terms and conditions of using Westpac Online A guide to our financial services and terms and conditions of using Westpac Online Financial Services Guide Dated 27 January 2013 BT Funds Management Limited ABN 63 002 916 458 Australian Financial Services

More information

Make sure your SMSF is.

Make sure your SMSF is. Make sure your SMSF is. Super decisions You know first-hand that one of the biggest advantages of managing your own super is that you make the decisions. It s one of the main reasons you have an SMSF or

More information

Your Thrift Plan Handbook... THRIFT PLAN. Thrift Plan for Retirees Table of Contents. Keys to having made the most of your savings:

Your Thrift Plan Handbook... THRIFT PLAN. Thrift Plan for Retirees Table of Contents. Keys to having made the most of your savings: Preset Mixes Table Your Thrift Plan Handbook... Keys to having made the most of your savings: THRIFT PLAN Be sure to choose a payment option To make the most of your benefits, meet with a Deseret Mutual

More information

A guide to personal accounts fees and interest

A guide to personal accounts fees and interest A guide to personal accounts fees and interest current accounts savings accounts We re committed to helping you get the most out of your account which includes making you aware of the charges and rates

More information

SELF-MANAGED SUPER FUND ACCOUNT

SELF-MANAGED SUPER FUND ACCOUNT Guide to SELF-MANAGED SUPER Issued by Auswide Bank Ltd ABN 40 087 652 060/Australian Financial Services & Australian Credit Licence 239686 Effective from March 8 2016 P 1300 138 831 F 07 4152 3499 E auswide@auswidebank.com.au

More information

This account features unlimited check writing, no monthly service fee and no minimum balance. $50 minimum deposit to open.

This account features unlimited check writing, no monthly service fee and no minimum balance. $50 minimum deposit to open. Truth in Savings Click here for checking account rates Understanding Your Deposit Account America s Best Free Checking This account features unlimited check writing, no monthly service fee and no minimum

More information

2014 Bank of Oklahoma, a division of BOKF, NA. Member FDIC. Equal Housing Lender.

2014 Bank of Oklahoma, a division of BOKF, NA. Member FDIC. Equal Housing Lender. 2014 Bank of Oklahoma, a division of BOKF, NA. Member FDIC. Equal Housing Lender. OK CN 4000 Rev. 11/14 Personal and Business Checking and Savings Solutions TABLE OF CONTENTS Personal Checking 02 Personal

More information

Overseas pensions and annuity schemes

Overseas pensions and annuity schemes IR 257 December 2014 Overseas pensions and annuity schemes This guide contains information on the taxation of foreign superannuation lump sums and overseas pensions. For information about overseas social

More information

ANZ Commercial Card TERMS AND CONDITIONS 11.2015. ANZ Corporate Card ANZ Visa Purchasing Card ANZ Business One

ANZ Commercial Card TERMS AND CONDITIONS 11.2015. ANZ Corporate Card ANZ Visa Purchasing Card ANZ Business One ANZ Commercial Card TERMS AND CONDITIONS 11.2015 ANZ Corporate Card ANZ Visa Purchasing Card ANZ Business One Containing Terms and Conditions for: Facility Terms and Conditions Electronic Banking Conditions

More information

We ll help make buying your first home easier

We ll help make buying your first home easier First Home Buyers We ll help make buying your first home easier First Home Buyer Award recognised in 2008 by CANNEX. 02 Buying your first home doesn t have to be complicated. We ll take the hassle out

More information

BT Balanced Equity Income Fund

BT Balanced Equity Income Fund BT Balanced Equity Income Fund Product Disclosure Statement (PDS) Issued 26 September 2012 Contents 1 About BT Investment Management (RE) Limited 2 How the BT Balanced Equity Income Fund works 3 Benefits

More information

SAVINGS CONDITIONS AND INFORMATION. For personal savings accounts that are no longer available to new customers.

SAVINGS CONDITIONS AND INFORMATION. For personal savings accounts that are no longer available to new customers. SAVINGS CONDITIONS AND INFORMATION. For personal savings accounts that are no longer available to new customers. CONTENTS. About this booklet 3 Section 1 5 Section 2 7 Halifax Liquid Gold 7 Save4it 8 Halifax

More information

Savings. All you need to make your money grow

Savings. All you need to make your money grow Savings All you need to make your money grow 2 Welcome It s important to make the most of your money. Ulster Bank has all the financial tools you need to make your money work for you. With a selection

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

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

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

Put your money to work for you ANZ Investment Funds

Put your money to work for you ANZ Investment Funds Put your money to work for you ANZ Investment Funds INVESTMENT STATEMENT 17 DECEMBER 2014 Important information (The information in this section is required under the Securities Act 1978.) Investment decisions

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

Foreign Currency Account & Foreign Currency Term Deposit Terms and Conditions Effective 1 April 2015

Foreign Currency Account & Foreign Currency Term Deposit Terms and Conditions Effective 1 April 2015 Foreign Currency Account & Foreign Currency Term Deposit Terms and Conditions Effective 1 April 2015 What you need to know about these terms and conditions This booklet sets out the terms and conditions

More information

BT Lifetime. Personal Super. Contents. 1. About BT Lifetime Personal Super 2 2. How super works 2 3.

BT Lifetime. Personal Super. Contents. 1. About BT Lifetime Personal Super 2 2. How super works 2 3. Contents BT Lifetime Personal Super Product Disclosure Statement (PDS) Dated 1 July 2014 1. About BT Lifetime Personal Super 2 2. How super works 2 3. Benefits of investing with BT Lifetime Personal Super

More information

Guide to. 16-20 Barolin St, PO Box 1063 Bundaberg Queensland 4670

Guide to. 16-20 Barolin St, PO Box 1063 Bundaberg Queensland 4670 Guide to Issued by Auswide Bank Ltd ABN 40 087 652 060/Australian Financial Services & Australian Credit Licence 239686 Effective from April 1 2015 P 1300 138 831 F 07 4152 3499 E auswide@auswidebank.com.au

More information

Savings & Investments

Savings & Investments Savings & Investments Contents The choice is yours 2 Transaction Accounts 2 Savings Accounts 3 Youth Accounts 5 Investments 7 Important information 9 The choice is yours Whether you want easy access to

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

3 Weeks Before You Depart www.commbank.com.au/movingtoaustralia Banking in Australia 1 Week Before www.smarttraveller.gov.au

3 Weeks Before You Depart www.commbank.com.au/movingtoaustralia Banking in Australia 1 Week Before www.smarttraveller.gov.au Banking in Australia Banking in Australia Moving countries and banks is always a big step. There s plenty to think about, and lots to do. Luckily for you, the Australian banking system is one of the safest

More information

MLC Wrap. Investments. Service Guide. MLC Wrap. Preparation date: 17 January 2011

MLC Wrap. Investments. Service Guide. MLC Wrap. Preparation date: 17 January 2011 MLC Wrap MLC Wrap Investments Service Guide Preparation date: 17 January 2011 Issued by: Navigator Australia Limited (NAL) ABN 45 006 302 987 AFSL 236466 MLC Wrap MLC Wrap Investments Supplementary Service

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