Important information - Personal

Bank accounts

• Retail Banking Services - Financial Services Guide (PDF 160kb)
• Transaction Savings investment account - Terms and conditions (PDF 720kb)
  • Information about processing times, interest and fees (PDF 254kb)
• AwardSaver Account (PDF 68kb)
• Cash Investment Account (PDF 720kb)
• Netbank Saver (PDF 720kb)
• Pensioner Security Account (PDF 720kb)
• Streamline Account (PDF 720kb)
• YouthSaver (PDF 720kb)
• Interest Rates on Transaction, Savings and Investment Accounts (PDF 289kb)

Quarantined Products (no longer for sale)

• First Home Saver Account PDS (PDF 133kb)
• First Home Saver Account - Terms and conditions (PDF 236.6kb) 
• Savings Investment Account* (PDF 720kb)
  *Note: The Savings Investment Account has been quarantined as of 23/04/2007. New accounts cannot be opened.

Travel currency

• Retail Banking Services - Financial Services Guide (PDF 160kb)
• Travel Money Card PDS (PDF 222kb)
• Travellers Cheques (PDF 86kb)

Electronic banking

Terms and conditions

• Electronic Banking - Terms and conditions (PDF 959kb)
• Information about processing times, interest and fees (PDF 254kb)

Broking services

• Visit the CommSec website for Product Disclosure Statements and Financial Services Guide on Broking Services provided by Commonwealth Securities Limited (CommSec).
• CommSec Financial Services Guide (PDF 59kb)

Private banking

• Business & Private Banking and Institutional Banking & Markets - Financial Services Guide (PDF59kb)
• Commonwealth Private Bank Account (PDF 959kb)

Home loan accounts

Terms and Conditions

• Credit guide and usual Terms and Conditions for Consumer Mortgage Lending (Home Loans, Equity Unlock Loan for Seniors, Viridian Line of Credit and Viridian Advantage (PDF 604kb) 
• Switching Terms and Conditions and application form (PDF 918kb) 

Credit cards

Terms and Conditions

• Conditions of use (PDF 221kb)
• Commonwealth Awards program Terms and Conditions (PDF 245.56kb)
• Your Concierge (PDF 105kb)
• Complimentary Insurance and Guaranteed Pricing Cover (PDF 197kb)
• Notice of Variation to your Complimentary Insurance and Guaranteed Pricing Cover effective 1 July 2012 (PDF 100kb)
• Emergency Travel Assistance (PDF 73kb)

Superannuation products

• Commonwealth and Colonial products - 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.

Personal Lending products

Terms and Conditions

• Credit Guide and Usual Terms and Conditions for Consumer Lending (Secured, Fixed and Variable Rate Personal Loans) (PDF 243kb) 
• Credit Guide and Usual Terms and Conditions for Consumer Lending (Overdrafts) (PDF 200kb) 

Insurance products

• Brochures and forms

Investment products

Financial Services guide

• Retail Banking Services - Financial Services Guide (PDF 68kb)

Terms and Conditions

• Cash Deposit Account General Information and Terms and Conditions (PDF 545kb)
• Term Deposit - Terms and conditions (PDF 273kb) 
• Interest Rates on Investment Accounts (PDF 258kb)
• Education Savings Plan PDS (PDF 1.1mb)