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Disclosure Documents

Our disclosure statements contain important information about the terms and conditions, fees, charges, transaction limits etc that apply to accounts or access facilities.

You should retain the relevant document for future reference as the information will also apply to new accounts you obtain or to facilities for accessing these accounts.

For your easy reference here are the relevant documents (click on the links below to access the relevant disclosure statement).

Regulatory Disclosures
Quarterly Reports
Remuneration Disclosures
Capital Adequacy Disclosures
Disclosure Documents
Financial Services Guide
Credit Guide
Things you should know about Guarantees
Things you should know about Proposed Credit Contract
Customer Owned Banking Code of Practice
International Payment Services Fees & Charges
Visa Credit Card conditions of use
Social Media - Terms of use
Product Fact Sheets
Interest Rate Update - Loans
Interest Rate Update - Savings
PFS - Redicard PLUS
PFS - Bank & Corporate Cheques
PFS - Fees & Charges and Member Loyalty Program
PFS - Member Chequing Facility
PFS - Online Banking
PFS - Phone Banking
PFS - SMS Alerts
PFS - smartPAY App
PFS - Android Pay
PFS - Apple Pay
PFS - VISA - Access to Savings
PFS - Visa Debit Card
PFS - S1 On Call Savings Account & S10 Pension Plus Account
PFS - S2 & S5 Project Savings Account
PFS - S3 Budget Savings Account
PFS - S4 Christmas Club Account
PFS - S6 Cash Management Account
PFS - S7 Super Saver Account & S8 Teenage Account
PFS - S9 Insurance Payments Account
PFS - S11 Portfolio Investment Account
PFS - S12 Bonus Savings Account
PFS - S16 Smart Start Access Account & S15 Smart Start Bonus Saver Account
PFS - S25 YES Account
PFS - S28, S29, S31, S32, S35 Smart Offset & S33 Value Package Offset Accounts
PFS - S30 Secured Commercial Overdraft Account
PFS - S40 Mortgage Breaker Account
PFS - S45 Commercial Offset Account
PFS - S50 Easy Access Account
PFS - S60 RediCredit Account
PFS - S80 Future Plus Account
PFS - S99 Internet Saver Account
PFS - FTD Fixed Term Deposit Interest Paid Monthly & Annually / on Maturity
PFS - Young Saver Fixed Term Deposit Interest Paid Annually / on Maturity
PFS - Early Payment/Payout Fact Sheet – during a fixed rate period


If you have any questions, please contact us

Note: these documents are provided in .pdf format and require version, 4.0 (or later) of Adobe Reader. You can download Adobe Reader by clicking on the "Get Adobe Reader" button below.

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