Banking doesn't need to be complicated, but it does come with a certain amount of added information you need to know before you open up a new account or take out a loan.

Most of our products are accompanied by brochures that are designed to give you all of the information you need to make an informed decision in taking out the product. You should read these documents before opening the account, in conjunction with our Financial Services Guide and Privacy Policy. 

Important information brochures

These are very important legal brochures you need to read before you take out one of our products - they cover the really detailed information that applies to the product and any terms and conditions that apply.

Savings and transaction accounts

This information applies to our savings and transaction accounts and related products or services like cards and internet banking. You'll need to take it into consideration before opening an account.

Loan and credit product brochures

If you're considering taking out a loan or credit card, you'll need to read these brochures first.


Western Union® Money TransferSM transactions are usually available within minutes for receiver pick up at most Western Union® Agent (“Agent”) locations. Before paying, an Agent may wish to verify to the Agent’s satisfaction the receiver’s identity with identity documents and knowledge of the money transfer. Receivers may choose other ways to receive funds, including payments into accounts. Western Union (“WU”) does not act as a bank agent or representative for any purpose nor accepts bank deposits. Applicable law prohibits money transmitters from doing business with certain individuals and countries.

Payments will normally be made in the destination country currency less applicable taxes and service charges. In addition to the transfer fee, all currency is converted at Western Union’s then exchange rate at the time of transfer and the receiver will receive the foreign currency amount shown on the transaction form. Where available, the receiver may incur additional fees for receiving the sender’s funds through a mobile telephone or to a bank or other account. Additional costs or delay may occur if transfers are not sent to a local or specified non-local currency account.

WU disclaims all liability in respect of the sender’s relationship with the receiver, including in respect of goods or services wholly or partly paid for by means of a WU money transfer. In no event shall WU or its Agents be liable if the sender communicates transaction data to any person other than his receiver. To the extent permitted by law, neither WU nor its Agents have liability to any sender or recipient for damages for delay, non-payment or underpayment of this money transfer, or non-delivery of any supplemental message, beyond the sum equivalent to US$500 (in addition to refunding the principal amount and transfer fee). In no event will WU or its Agents be liable for any indirect, special, incidental, or consequential damages. Neither WU nor its Agents exclude liability for any condition or warranty that cannot be excluded by law, but their liability for the breach of such condition or warranty shall be limited to the greater of the cost of providing the affected service again and the sum equivalent to US$500.

DATA PROTECTION: Your personal information and that collected from third parties (such as government identification numbers from government and consumer credit reporting agencies) is processed under applicable laws and is controlled by WU. Your information is used to provide you with the requested services and may also be used in connection with other services, products, verifying your identity, convenience and/or rewards programs, you signed up for with WU or its affiliates, and, subject to your choices, send you commercial communications. Providing your information and that of the receiver of our services is voluntary but necessary to execute the transaction. You consent to WU disclosing or transferring your information and Third Party Information to third parties to carry out transactions and customer verification. WU may also disclose such information to third parties, where reasonably necessary, for the purposes of the prevention, detection, investigation and prosecution of crime, or when required by law. If you wish to exercise your information rights (including marketing opt-out), please call 1800 501 500.

The Australian service is provided by a network of authorised independent agents and representatives in conjunction with Western Union Financial Services (Australia) Pty. Ltd. (ABN 77 082 282773).

Western Union Financial Services (Australia) Pty. Ltd., P.O. Box Q1522, QVB Post Office Sydney, NSW 1230. Copyright 2011-2018 WESTERN UNION HOLDINGS, INC. All Rights Reserved. Revised September 2018

For the full Terms and Conditions, please visit your local branch or go to