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Product Disclosure Statements, Terms and Conditions and Financial Services Guides

What is a Product Disclosure Statement, Terms and Conditions brochure and a Financial Services Guide?

A Product Disclosure Statement (PDS) or Terms and Conditions brochure is a document (or group of documents) which describes a financial product or service, including the features, benefits, cost and risks associated with that product.

This page provides you with access to PDSs or Terms and Conditions which are currently available electronically for products of the Commonwealth Bank Group, along with the relevant Financial Services Guide.

Before you access and read a PDS or Terms and Conditions brochure, you should read the Financial Services Guide (FSG). FSGs are intended to inform you about the product provider and the services they provide, before they provide you with financial advice. Note that some products, such as Home Loans and Credit Cards, do not have a FSG. 


Product Categories
Select the product category and locate the product name to view its PDS or Terms and Conditions brochure, or click the link beside it for more information.

Agribusiness Products
Broking Services
Cash Management Products
Credit Cards
CommBiz
CommBiz Markets
Electronic Banking
Foreign Exchange Services Products
Home Loan Accounts
Insurance Products
Investment Products
Personal Lending Products
Risk Management Products
Superannuation Products
Transaction and Savings Accounts



Agribusiness Products top

 

Financial Services Guide (PDF 59kb)

 

Agricultural Commodity Risk Management Solutions PDS (PDF 944kb)

More information

Farm Management Deposit Account General Information and Terms & Conditions (PDF 2.53mb)

More information


Broking Services top

 

Visit the CommSec website for Product Disclosure Statements and Financial Services Guide on Broking Services provided by Commonwealth Securities Limited (CommSec).

 


Cash Management Products  top

 

Financial Services Guide (PDF 59kb)

 


Credit Cards  top

 

Credit Cards Conditions of Use effective 01062010

 

Commonwealth Awards Program Terms and Conditions

 

Notice of Variation to the Commonwealth Awards Program Terms and Conditions

 

Gold Credit Card and Platinum Credit Card - Complimentary Insurance and Guaranteed Pricing Cover

 

Emergency Travel Assistance Terms and Conditions effective 01052010

 

Platinum Concierge Terms and Conditions effective 01052010

 

Conditions of Use Business Credit Card

 

Conditions of Use Personal Liability Business Credit Card

 


CommBiz top

 

CommBiz product information including fees and charges (printer friendly version 255kb)

More information

CommBiz product information including fees and charges (full colour version 435kb)

More information


CommBiz Markets top

 

CommBiz Markets PDS (479kb)

More information


Electronic Banking top

 

Electronic Banking General Information and Terms and Conditions brochure (PDF 244kb)

More information



Foreign Exchange Services Products top

Financial Services Guide (PDF 59kb)

 

Currency Enhanced Deposit PDS (PDF 104kb)

More information

Flexible Forward Protector PDS (PDF 101kb)

More information

Flexible Forward Bonus PDS (PDF 127kb)

More information

Flexible Forward Cash Settled PDS (PDF 99kb)

More information

Flexible Forward Collar PDS (PDF 99kb)

More information

Flexible Forward Convertible Knock Out PDS (PDF 151kb)

More information

Flexible Forward Convertible PDS (PDF 131kb)

More information

Flexible Forward Convertible Plus PDS (PDF 104kb)

More information

Flexible Forward PDS (PDF 99kb)

More information

Flexible Forward Double No-Touch PDS (156kb)

More information

Flexible Forward Participating PDS (154kb)

More information

Foreign Currency Account PDS (PDF 703kb)

More information

Foreign Currency Term Deposit PDS (PDF 426kb)

More information

Foreign Exchange PDS (PDF 279kb)

More information

Travellers Cheques (PDF 67kb)

More information



Home Loan Accounts top

Usual Terms and Conditions for Consumer Mortgage Lending (Home Loans, Equity Unlock Loan for Seniors, Viridian Line of Credit and Viridian Addvantage)

Switching Terms and Conditions


Insurance Products top

Brochures and forms
General Insurance Code of Practice 

  



Investment Products top

Financial Services Guide (PDF 59kb)

 

Cash Deposit Account General Information and Terms & Conditions (PDF 619kb)

More information

Cash Relationship Account PDS (PDF 512kb)

 

Farm Management Deposit Account General Information and Terms & Conditions (PDF 2.53mb)

More information

Fixed Rate Security Investments (Forward Sales & Compound Forward Sales) PDS (PDF 1mb)

More information

Flexi Bill Solutions for Investors - Investment Boost PDS (PDF 422kb)

More information

Flexi Bill Solutions for Investors - Investment Guarantee PDS (PDF 474kb)

More information

Flexible Forward Convertible Knock Out PDS (PDF 151kb)

More information

Flexi Bill Solutions for Investors - Investment Range PDS (PDF 421kb)

More information

Flexi Bill Solutions for Investors - Investment Reset PDS (PDF 509kb)

More information

Flexi Bill Solutions for Investors - Investor Step PDS (PDF 468kb)

More information

Foreign Currency Account PDS (PDF 703kb)

More information

Foreign Currency Term Deposit PDS (PDF 432kb)

More information

Money Market Call Account General Information and Terms & Conditions (PDF 252kb)
Note: The Money Market Call Account has been quarantined as of Monday 20 November 2006. New accounts cannot be opened.

More information

Security Investments - Negotiable Certificates of Deposit (issued by a bank other than Commonwealth Bank of Australia) PDS (PDF 393kb)

More information

Security Investments - Negotiable Certificates of Deposit (issued by Commonwealth Bank of Australia) PDS (PDF 429kb) Security Investments - Bank Bills is not a regulated product as defined under the Corporations Act. This Product Information Document (PID) aims to provide you with enough information to help you decide whether the product will meet your needs.

More information

Security Investments - Bank Bills PID (PDF 429kb)

More information

Term Deposit General Information and Terms and Conditions

More information

Interest Rates on Investment Accounts

 

Financial Services Guide

Education Savings Plan PDS

More information

Financial Services Guide (PDF 59kb)

 

Regular Instalments (IYH Series) PDS (PDF 943kb)

  

The Options and Lending Facility (PDF 2.64mb)

 

Visit the CommSec website for more Product Disclosure Statements on other Investment products.

Personal Lending Products 

Usual Terms and Conditions for Consumer Lending (Secured, Fixed and Variable Rate Personal Loans and Overdrafts (PDF)

 More Information


Risk Management Products top

Financial Services Guide (PDF 59kb)

 

Agricultural Commodity Risk Management Solutions PDS (PDF 950kb)

More information

Cap Advantage PID (PDF 97kb)
Cap Advantage is not a regulated product as defined under the Corporations Act. This Product Information Document (PID) aims to provide you with enough information to help you decide whether the product will meet your needs.

 

Principal Range Advantage PID (PDF 98kb)
Principal Range Advantage is not a regulated product as defined under the Corporations Act. This Product Information Document (PID) aims to provide you with enough information to help you decide whether the product will meet your needs.

 

Range Advantage PID (PDF 98kb)
Range Advantage is not a regulated product as defined under the Corporations Act. This Product Information Document (PID) aims to provide you with enough information to help you decide whether the product will meet your needs.

More information

Flexi Bill Solutions for Investors - Investment Boost PDS (PDF 422kb)

More information

Flexi Bill Solutions for Investors - Investment Guarantee PDS (PDF 474kb)

More information

Flexi Bill Solutions for Investors - Investment Range PDS (PDF 421kb)

More information

Flexi Bill Solutions for Investors - Investment Reset PDS (PDF 509kb)

More information

Flexi Bill Solutions for Investors - Investor Step PDS (PDF 468kb)

More information

Flexible Forward Protector PDS (PDF 101kb)

More information

Flexible Forward Bonus PDS (PDF 133kb)

More information

Flexible Forward Cash Settled PDS (PDF 99kb)

More information

Flexible Forward Collar PDS (PDF 99kb)

More information

Flexible Forward Convertible Knock Out PDS (PDF 151kb)

More information

Flexible Forward Convertible PDS (PDF 131kb)

More information

Flexible Forward Convertible Plus PDS (PDF 104kb)  

More information

Flexible Forward PDS (PDF 99kb)

More information

Flexible Forward Double No-Touch PDS (156kb)

More information

Flexible Forward Participating PDS (154kb)

More information

Foreign Exchange PDS (PDF 279kb)

More information



Superannuation Products top

Financial Services Guide
Superannuation Savings Account Product Disclosure Statement (PDS) is provided in 2 parts (Part 1 – General information and Part 2 – Latest interest rates).
Visit the Colonial First State website for Product Disclosure Statements and Financial Services Guide on Superannuation, Pension and Managed Investments products provided by Colonial First State Investments Limited.

More information



Transaction and Savings Accounts top

Financial Services Guide

 

AwardSaver Account General Information and Terms and Conditions

More information

Transaction Savings and Investment Accounts Terms and Conditions brochure (products or options no longer for sale)

 

 

Cash Investment Account General Information and Terms and Conditions

More information

Pensioner Security Account General Information and Terms and Conditions

More information

Savings Investment Account General Information and Terms and Conditions
Note: The Savings Investment Account has been quarantined as of Monday 23 April 2007. New accounts cannot be opened.

 

 

Streamline Account General Information and Terms and Conditions

More information

YouthSaver General Information and Terms and Conditions

More information

NetBank Saver General Information and Terms and Conditions

More information

Transaction Savings and Investment Accounts Terms and Conditions brochure

More information

Important information for Transaction, Savings and Investment Accounts Terms and Conditions

 

Interest Rates on Transaction, Savings and Investment Accounts

 

Business Cheque Account General Information and Terms and Conditions brochure

More information

Visit the Personal Centre website for more Product Disclosure Statements on other Cash Management products or Transaction Products.

 

First Home Saver Account General Information and Terms and Conditions

More information

First Home Saver Account PDS (PDF 133kb)

More information

 

 

 

 

 

Did you Know?

For the right advice before you make your next move, talk to one of our Financial Planners.

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