We offer a wide selection of world-class products for both our personal and business customers. This includes:

Personal

• Credit Cards: Offers customers an incredibly convenient way to pay for the things they need, where they need, without having to carry cash.
• Deposit and Transactions: Flexible, everyday banking products that help our customers manage their cash and save for tomorrow. This includes transaction accounts, savings accounts and term deposits.
• Financial Planning: We offer expert financial advice to help our customers start planning for a better life today. This includes planning for retirement and how to grow money.
• Home Loans: Range of fixed term and variable interest loan options to help customers buy their own homes. We can help find the right home loan and provide tools to help customers make smart property decisions.
• Insurance: We offer insurance for home and contents, cars, loan protection and credit cards – as well as insurance support.
• Personal Lending: We also provide flexible solutions to help customers buy their dream car or holiday, manage their debt, meet the unexpected and more.
• Travel and International Payments: Our range of currency solutions help customers who wish to take their money in or out of Australia. This includes for travel, foreign exchange or for international payments.

Business products

• Credit Cards: We provide flexible options to help our small business owners manage their everyday expenses and cash flow. 
• Deposits and Transactions: We also offer flexible, day-to-day banking products to help our business customers manage their cash flow.

How our people help in developing our products

In Retail Banking Services, we reward and encourage creativity. A new product or product enhancement idea can come from anyone within the organisation. We simply strive to create products that will provide better benefits for our customers.  

How we approach new products

In developing new products, we review our customers’ needs, the market, domestic and overseas trends and competitor threats, and then implement business strategies based on findings to achieve and maintain market leadership. In doing so, we gather information from our key stakeholders, partners and suppliers in order to manage product development.