Terms and conditions

Our terms and conditions are changing

We’re making changes to our product terms and conditions effective 9 February 2026. These will affect the terms of any joint accounts, savings accounts, home loan packages and credit cards you hold with us. We’ve also updated our Privacy and Credit Reporting Policy and strengthened the measures we take to keep you safe and ensure a secure banking environment for all members. These changes are part of our ongoing efforts to make banking straightforward, fair and safe.

Conditions of Use (new version from 9 February 2026)

Credit card terms and conditions (new version from 9 February 2026)

Fees and Charges (new version from 9 February 2026)

Package Home Loan – Terms and conditions (new version from 9 February 2026)

Privacy and Credit Reporting Policy (new version from 9 February 2026)

Notice of Change February 2026

Proposed merger FAQs February 2026

Products no longer offered

View Everyday and Savings accounts no longer offered

View Loans no longer offered.

For Target Market Determinations for products no longer offered, visit our Design Distribution Obligations page.