Personal customers' terms and conditions
Products currently for sale
Select below to find the current T&Cs and recent changes.
Complete Freedom, Retirement Access Plus, Concession, Incentive Saver, Maxi Saver, Investment Cash
Summary of changes, effective 28th February 2025
| Section reference | Change description |
|---|---|
Section 16. General Matters - The Banking Code of Practice |
Removing reference to asking for a hard copy of the Banking Code of Practice within a branch or over the phone. |
Visa Debit Card
Summary of changes, effective 28th February 2025
| Section reference | Change description |
|---|---|
Section - General Matters - The Banking Code of Practice |
Removing reference to asking for a hard copy of the Banking Code of Practice within a branch or over the phone. |
Term Deposits
Summary of changes, effective 28th February 2025
| Section reference | Change description |
|---|---|
Section 2. General Matters - 1.1 Industry codes |
Removing reference to asking for a hard copy of the Banking Code of Practice within a branch or over the phone. |
Farm Management Deposits
Summary of changes, effective 18 March 2024
| Section reference | Change description |
|---|---|
Opening and maintaining your Account |
A new clause has been included to explain customer identification requirements and the steps taken if identification requirements are not met. |
Withdrawals |
A new clause has been included to explain customer Account closure options as well as when we may initiate an Account closure. |
Opening and maintaining your Account |
A new clause has been included to explain when an authorised signatories’ authority to operate a customer’s Account may be removed. |
Changes to the Terms and Conditions |
Under Type of change, amended the description for a change to terms and conditions that reflect a change to our business or technological systems and processes. |
Summary of changes, effective 28th February 2025
| Section reference | Change description |
|---|---|
Part B: Terms and Conditions – 30. Banking Code of Practice |
Removing reference to asking for a hard copy of the Banking Code of Practice within a branch or over the phone. |
- Home and Contents Insurance (applicable to policies with an effective date on or after 12 December 2021 or policies renewed on or after 22 November 2021)
- Home and Contents Insurance (applicable to policies with an effective date in the period 20 August 2021 to 11 December 2021 or renewed in the period between 5 October 2021 and 21 November 2021)
- Home and Contents Insurance (applicable to policies with an effective date in the period 1 July 2021 19 August or renewed in the period 1 July 2021 - 4 October 2021)
- Landlord Insurance (applicable to policies with an effective date on or after 12 December 2021 or policies renewed on or after 22 November 2021)
- Landlord Insurance (applicable to policies with an effective date in the period 20 August 2021 to 11 December 2021 or renewed in the period between 5 October 2021 and 21 November 2021)
- Landlord Insurance (applicable to policies with an effective date in the period 1 July 2021 19 August or renewed in the period 1 July 2021 - 4 October 2021)
For Travel, Caravan & Trailer and Pleasure Craft, please contact Allianz on 1800 825 200 for a copy of the PDS.