Notice of Change to the “Bankwest Complimentary Credit Card Insurance”

product news

02 June 2015

Important information about Bankwest Complimentary Credit Card Insurance

Bankwest is making changes to your Complimentary Credit Card insurances including a change to the Insurance provider. The changes to your complimentary insurance terms and conditions will be effective for purchases made on and after 1 July 2015. For general insurance enquiries or details of where to submit any claims, please refer to details below:

For any general insurance enquiries or to claim for an event that occurred prior to 1st July contact Zurich on 1800 672 010.

For any general insurance enquiries or to claim for an event that occurs/occurred from 1st July contact Allianz Global Assistance on 1800 785 918.

All of your limits and most of your benefits remain unchanged. A summary of the changes to your insurance cover is set out below.

Please Note: that you will no longer be automatically covered for the following pre-existing medical conditions: Allergies, Epilepsy and Hip/Knee Replacement. From 1 July 2015 you will need to contact Allianz Global Assistance on 1800 785 918 to apply for cover for any of these three pre-existing medical conditions.

For more details, about what is changing please refer to the Frequently Asked Questions.

You should also read the full terms and conditions of insurance cover as set out in the Bankwest Complimentary Credit Card Insurance Terms and Conditions . If you still have any questions regarding these changes then please contact Bankwest on 13 17 19.

This brochure covers the following card types for purchases made on and after 1 July 2015:

  • Bankwest World, Platinum & Gold MasterCard® credit cards
  • Breeze MasterCard credit card facilities opened before 3 March 2012
  • Visa Gold credit card

For Complimentary Credit Card Insurance payments made between 1 October 2014 and 1 July 2015 .

Summary of changes to Bankwest Complimentary Credit Card Terms and Conditions

Effective 1 July 2015, the Bankwest Credit Card Complimentary Credit Card Insurance document is amended as follows.

Throughout the document Zurich is amended to either Allianz or Allianz Global Assistance.

Enquiries and Claims has been amended as follows:

'You can phone Allianz Global Assistance on 1800 785 918 for general enquiries and claims forms, however, please make sure you have this booklet on hand when you call. Claim forms and information on how to make a claim can also be found at www.allianzassistance.com.au/claims .

International travel insurance
You do not have to tell Bankwest or Allianz Global Assistance that you will be travelling. So long as you meet the eligibility criteria (pages 33 & 34), you are automatically eligible for the International Travel Insurance.

While you’re away
In the event of an emergency overseas, simply call Allianz Global Assistance in Australia at any time on reverse charge +61 7 3305 7499.

While you’re in Australia
In the event of an emergency, call Allianz Global Assistance on 1800 010 075.'

Clause 1 Important Information about the Insurances, second paragraph now reads as follows:

‘You should be aware that the issuer of these insurances is AGA Assistance Australia Pty Ltd, ABN 52 097 227 177, AFS Licencee No. 245631 of 74 High Street, Toowong, QLD 4066 (Allianz Global Assistance), under a binder from the Insurer (Allianz Australia Insurance Limited ABN 15 000 122 850, AFSL 234708, of 2 Market Street, Sydney, NSW 2000) (Insurer). In this booklet, Allianz Global Assistance is referred to as ‘Allianz Global Assistance’ and, where it is acting under the binder, ‘we’, ‘us’ or ‘our’.’

Clause 1.5 Privacy is amended to read as follows:

‘To arrange and manage the insurance covers provided, we (in this Privacy Notice “we”, “our” and “us” includes AGA Assistance Australia Pty Ltd trading as Allianz Global Assistance and its duly authorised representatives) collect personal information including sensitive information from you and those authorised by you such as your family members, travelling companions, your doctors, hospitals, as well as from others we consider necessary, including our agents.

Any personal information provided to us is used by us to evaluate and arrange your insurance. We also use it to administer and provide the insurance services and manage your and our rights and obligations in relation to those insurance services, including managing, processing and investigating claims. We may also collect, use and disclose it for product development, marketing, conducting customer research and analytics in relation to all of our products and services, IT systems maintenance and development, recovery against third parties and for other purposes with your consent or where authorised by law.

This personal information may be disclosed to third parties involved in the above process, such as travel agents and consultants, travel insurance providers and intermediaries, authorised representatives, reinsurers, claims handlers and investigators, cost containment providers, medical and health service providers, overseas data storage and data handling providers, legal and other professional advisers, your agents and our related and group companies including Allianz. Some of these third parties may be located in other countries such as Thailand, France and India. You agree that while those parties will often be subject to confidentiality or privacy obligations, they may not always follow the particular requirements of Australian privacy laws.

Unless you opt out, we may contact you on an ongoing basis by telephone, mail, electronic messages (including email), online and via other means with promotional material and offers of products or services that we consider may be relevant and of interest to you (including financial and insurance products and roadside assistance services). If you do not want to receive such offers from us (including product or service offerings from us on behalf of our agents, intermediaries and/or our business partners) or do not want us to disclose your personal information to our related and group companies and business partners for marketing purposes, you can opt out at any time by calling us on 1800 023 767.

When you provide personal information about other individuals, we and our agents rely on you to have made or make them aware:

  • that you will or may provide their personal information to us;
  • of the types of third parties to whom the personal information may be provided to;
  • of the relevant purposes we and the third parties we will disclose it to, will use it for;
  • of how they can access it; and
  • of the other matters in this Privacy Notice.

We rely on you to have obtained their consent on these matters. If you do not, you must tell us before you provide the relevant information.

You can seek access to and correct your personal information by contacting us. You may not access or correct personal information of others unless you have been authorised by their express consent or otherwise under law, or unless they are your dependants under 16 years of age.

If you have a complaint about your privacy, please contact:

Privacy Officer, Allianz Global Assistance, PO Box 162, Toowong, QLD 4066 or you can contact the Privacy Commissioner at the Office of The Australian Information Commissioner, GPO Box 2999, Canberra, ACT 2601.

For more information about our handling of personal information, including further details about access, correction and complaints, please see our privacy policy available on request or via www.allianz-assistance.com.au.

If you do not agree to the above or will not provide us with personal information, we may not be able to provide you with our services or products.

In cases where we do not agree to give you access to some personal information, we will give you reasons why.’

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Clause 1.6 General Insurance Code of Practice is amended to read as follows:

Allianz and Allianz Global Assistance proudly support the General Insurance Code of Practice.

The Code sets out the minimum standards of practice in the general insurance industry. For more information on the Code please call Allianz Global Assistance.’

Clause 1.7 Complaints is amended to read as follows:

‘In this section “we”, “our” and “us” means Allianz and Allianz Global Assistance.

If you have a complaint or dispute in relation to this insurance, or our services or our representatives, please call us or put the complaint in writing and send it to: The Dispute Resolution Department, PO Box 162, Toowong, Queensland 4066. We will attempt to resolve the matter in accordance with our Internal Dispute Resolution process. To obtain a copy of our procedures, please contact us.

A dispute can be referred to the Financial Ombudsman Service Limited (FOS), subject to its terms of reference. The FOS provides a free and independent dispute resolution service for consumers who have general insurance disputes falling within its terms. The contact details for the FOS are:

Financial Ombudsman Service Limited
PO Box 3, Melbourne Victoria 3001 Phone: 1300 780 808
Fax: (03) 9613 6399
Website: www.fos.org.au
Email: info@fos.org.au


Clause 1.8 Definitions and interpretation is amended as follows:

Act of terrorism definition is removed.

New definitions are inserted as follows:
Allianz/the Insurer means Allianz Australia Insurance Limited ABN 15 000 122 850, AFS Licencee No. 234708.’

Allianz Global Assistance means AGA Assistance Australia Pty Ltd ABN 52 097 227 177, AFS Licencee No. 245631.’

insolvency or insolvent means bankruptcy, provisional liquidation, liquidation, appointment of a receiver, manager or administrator, entry into any official or unofficial scheme of arrangement, statutory protection, restructuring or composition with creditors, or the happening of anything of a similar nature under the laws of any jurisdiction.’

mental illness means any illness, condition or disorder listed in the current edition of the Diagnostic and Statistical Manual of Mental Disorders.’

travel services provider means any scheduled service airline, hotel and resort operator, accommodation provider, motor vehicle rental or hire agency, bus line, shipping line or railway company.’


The following definitions are amended to read as follows:
pre-existing medical condition means a medical condition which you were aware of:
1. prior to the time you became eligible for the insurances that involves:

a) your heart, brain, circulatory system/blood vessels; or
b) your lungs or chronic airways disease; or
c) cancer; or
d) back pain requiring prescribed pain relief medication; or
e) surgery involving any joints, the back, spine, brain or abdomen requiring at least an overnight stay in hospital; or
f) Diabetes Mellitus (Type1orType2); OR

 

2. in the 2 years prior to the time you became eligible for the insurances:

a) for which you had been in hospital or emergency department or day surgery; or
b) for which you had been prescribed a new medication or had a change to your medication regime; or
c) requiring prescription pain relief medication; OR

 

3. prior to the time you became eligible for the insurances that is:

a) pregnancy; or
b) connected with your current pregnancy or participation in an IVF program; OR

 

4. for which, prior to the time you became eligible for the insurances:

a) you had not yet sought a medical opinion regarding the cause; or
b) you are currently under investigation to define a diagnosis; or
c) you are awaiting specialist opinion.


For the purposes of this definition, ‘medical condition’ includes a dental condition. The above definition applies to you, your travel companion, a relative or any other person.’
 

spouse means the partner of the cardholder who is permanently living with the cardholder at the time the journey starts (or the trip in respect of the “Transit Accident Insurance”) or the time the interstate travel starts.’
 

Clause 1.13 Pre-existing medical conditions is amended as follows:

‘The insurances do not cover you for any event that arises from, is related to or associated with a pre-existing medical condition of your relative, your travel companion or any other person that may give cause for you to claim. You cannot apply to cover the pre-existing medical conditions of any relatives (other than the cardholder’s spouse and the cardholder’s dependent children), a travel companion or any other person.

You are not covered for any event that arises from, is related to or associated with the following:

(a) any medical conditions that you were aware of, or a reasonable person in your circumstances should have been aware, or arising from signs or symptoms that you were aware of or a reasonable person in your circumstances should have been aware, prior to you travelling, and for which at that time:

  • you had not yet sought a medical opinion regarding the cause;
  • you were currently under investigation to define a diagnosis; or
  • you were awaiting specialist opinion.

(b) your pre-existing medical conditions unless you are going overseas; and

  • you have a pre-existing medical condition which, subject to the provisions set out below, is automatically covered under the “International Travel Insurance”; or
  • prior to leaving Australia, you applied for cover of your pre-existing medical condition and we expressly agreed, in writing, to cover the pre-existing medical condition under the “International Travel Insurance”, and you paid to us any relevant fee.

The remainder of Section 1.13 only applies to the “International Travel Insurance” cover.

Pre-existing medical conditions which are automatically covered (some restrictions apply)

Cover under the “International Travel Insurance” may be provided for a pre-existing medical condition if the pre-existing medical condition is described in the list on pages 19 to 21, as long as you have not been hospitalised (including day surgery or emergency department attendance) for that condition in the 24 months prior to the time you became eligible for the “International Travel Insurance”.

If you have been hospitalised (including day surgery or emergency department attendance) for the pre-existing medical condition in the 24 months prior to the time you became eligible for the “International Travel Insurance”, or your pre-existing medical condition does not meet the description below, please refer to the section ‘How do I apply for cover for my pre-existing medical condition?’ on page 21.

Note the conditions listed below are still available to you even if you elect not to pay any relevant fee for cover of any approved pre-existing medical condition or we have not agreed to provide you with cover for any other pre-existing medical condition.

  1. acne;
  2. asthma, provided:
    • you are under 60 years of age, and
    • you have no other lung disease;
  1. bunions;
  2. carpal tunnel syndrome;
  3. cataracts;
  4. cleft palate;
  5. cochlear implant;
  6. coeliac disease;
  7. congenital adrenal hyperplasia;
  8. congenital blindness;
  9. congenital deafness;
  10. conjunctivitis;
  11. dengue fever;
  12. diabetes (type 1 or type 2), or glucose intolerance provided:
    • you were first diagnosed over 6 months ago; and
    • you had no complications in the last 12 months; and
    • you had no kidney, eye or neuropathy complications or cardiovascular disease; and
    • you are under 50 years of age;
  1. dry eye syndrome;
  2. Dupuytrens contracture;
  3. ear grommets, if no current infection;
  4. eczema;
  5. gastric reflux (GORD);
  6. glaucoma;
  7. gout;
  8. hay fever;
  9. hiatus hernia, if no surgery planned;
  10. hormone replacement therapy;
  11. hypercholesterolaemia (high cholesterol), provided no cardiovascular disease and/or no diabetes;
  12. hyperlipidaemia (high blood lipids), provided no cardiovascular disease and/or no diabetes;
  13. hypertension, provided no cardiovascular disease and/ or no diabetes;
  14. hypothyroidism, including Hashimoto’s disease;
  15. lipoma;
  16. macular degeneration;
  17. Meniere’s disease;
  18. rhinitis;
  19. rosacea;
  20. sinusitis;
  21. tinnitus; or
  22. single uncomplicated pregnancy, up to and including 23 weeks, not arising from services or treatment associated with an assisted reproduction program including but not limited to, in vitro fertilisation (IVF).

How do I apply for cover for my pre-existing medical condition?

If you think you have a pre-existing medical condition and would like cover for that pre-existing medical condition, please call us.

Please note that if you have a pre-existing medical condition which is not described in the list on pages 19 to 21 and:

a) you do not apply for cover for that pre-existing medical condition; or
b) you apply for cover for that pre-existing medical condition and we do not agree to provide cover for that pre-existing medical condition; or
c) we agree to provide cover for that pre-existing medical condition and you do not pay any relevant fee,

we will not pay any claims arising from, related to or associated with your pre-existing medical condition. This means that you may have to pay for an overseas medical emergency which can be very expensive in some countries.’


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Clause 1.15 Emergency and medical service whilst overseas (International travel insurance) is amended as follows:

‘In the event of an emergency overseas, simply call Allianz Global Assistance in Australia at any time on reverse charge +61 7 3305 7499.

For emergency assistance anywhere in the world at any time, Allianz Global Assistance is only a telephone call away. The team will help with medical problems, locating nearest medical facilities, your evacuation to your home in Australia, locating nearest embassies and consulates, as well as keeping you in touch with your family and work in an emergency.

If you are hospitalised, you, or a member of your travelling party, MUST contact Allianz Global Assistance as soon as possible. If you do not, then to the extent permitted by law, we will not pay for these expenses or for any evacuation or airfares that have not been approved or arranged by Allianz Global Assistance.

If you are not hospitalised but you are being treated as an outpatient and the total cost of such treatment is likely to exceed $2,000, you MUST contact Allianz Global Assistance.’ 

Clause 1.17 Insurance exclusions - What is not covered, first bullet point has been replaced as follows:

  • 'we do not insure you for any event that arises directly or indirectly from, or is in any way connected with, any pre-existing medical condition of any person including you, your travel companion or a relative unless it relates to International Travel Insurance” and: 
    • you satisfy the provisions as set out under the heading ‘Pre-existing medical conditions which are automatically covered (some restrictions apply) in Section 1.13 on pages 19 to 21, or
    • we have provided you with our approval, in writing, of your pre-existing medical condition and you have paid any relevant fee.
  • we do not insure you for any event that arises from, is related to or associated with any signs or symptoms that you were aware of, or a reasonable person in your circumstances would have been aware of, before cover commenced, but:

a) you had not yet sought a medical opinion regarding the cause; or
b) you were currently under investigation to define a diagnosis; or
c) you were awaiting specialist opinion.


  • we do not insure you for any event that arises directly or indirectly out of pregnancy, childbirth or related complications unless it relates to ”International Travel Insurance” and it is:
    • a single, uncomplicated pregnancy (up to and including 23 weeks), or
    • we have provided you with our approval, in writing, for your pregnancy and you have paid any relevant fee.

In any event we will not pay medical expenses for:

    • regular antenatal care;
    • childbirth at any gestation; or
    • care of the newborn child.
  • we do not insure you for any event that arises from or is in any way related to mental illness including:
    • dementia, depression, anxiety, stress or other mental or nervous condition; or
    • conditions that have resulted in behavioural issues; or
    • a therapeutic or illicit drug or alcohol addiction.’

Clause 1.18 Claims procedures, 1st paragraph, 2nd sentence has been amended as follows:

‘If you want to make a claim under any of these insurance covers, you can obtain claim forms and information on how to make a claim at www.allianzassistance.com.au/claims or by calling Allianz Global Assistance.’

Clause 1.18 Claims procedures, point 2, 1st bullet point, has been amended as follows:

‘Contact us on 1800 785 918 within 30 days of returning home from overseas or interstate (even if you have previously reported the matter to Allianz Global Assistance), or if you are already home, contact us within 30 days of learning of an occurrence (loss, damage or breakdown) that may result in a claim. However, if you are making a guaranteed pricing claim, you must contact us within 21 days of the purchase of the personal goods.'

Section 2 changes:

Section 2, Part A Summary of the insurance benefits and limits that apply, Benefit 1 is changed to ‘Medical and hospital expenses incurred overseas’.

Section 2, Part A Summary of the insurance benefits and limits that apply, Limit 1 under ‘Medical and hospital expenses incurred overseas’, the last sentence is amended as follows:
‘Note: No cover for pre-existing medical conditions, unless the pre-existing medical condition(s) satisfy the provisions as set out under the heading `Pre-existing medical conditions which are automatically covered (some restrictions apply)' in Section 1.13, or we have provided you with our approval, in writing, of your pre-existing medical condition and you have paid any relevant fee.’

Section 2, Part A Summary of the insurance benefits and limits that apply, Limit 3 under ‘Unexpected cancellation of travel arrangements and other unexpected expenses, has been amended as follows:
‘Unlimited, for covered events, except for travel agent’s cancellation fee, which is limited to an amount equal to the lesser of A$1,000 or 15% of the value of the travel arranged by the agent.’

Section 2, Part A Summary of the insurance benefits and limits that apply, Benefit & Limit 5 ‘Travel services provider insolvency’ has been added as follows:
‘Cover for the financial insolvency or financial collapse of a travel services provider is limited to A$5,000 per person up to a maximum of A$10,000 for a family. Includes cover for resultant travel agent’s cancellation fee limited to an amount equal to the lesser of A$1,000 or 15% of the value of the travel arranged by the agent.’

Section 2, Part B – The Insurance we provide, 1. Medical and hospital expenses incurred overseas
, 3rd bullet point has been amended as follows:
‘expenses for emergency evacuation to Australia or another country, if the local medical services are inadequate or not available. The evacuation must be authorised and arranged by Allianz Global Assistance. (In the event of an emergency overseas, simply call Allianz Global Assistance in Australia at any time on reverse charge +61 7 3305 7499. ‘ 

Section 2, Part B – The Insurance we provide, 1. Medical and hospital expenses incurred overseas, We will pay for…, 4th paragraph is amended as follows:
‘Please remember that you can only claim for emergency evacuation if it is arranged by Allianz Global Assistance. (In the event of an emergency overseas, simply call Allianz Global Assistance in Australia at any time on reverse charge +61 7 3305 7499.’

Section 2, Part B – The Insurance we provide, 1. Medical and hospital expenses incurred overseas, But we will not pay for…, 1st bullet point has been amended as follows:

  • ‘arise from any pre-existing medical conditions unless:
    • it is a pre-existing medical condition which satisfies the provisions as set out under the heading ‘Pre-existing medical conditions which are automatically covered (some restrictions apply) under the “International Travel Insurance”; or
    • prior to leaving Australia, you applied for cover of your pre-existing medical condition(s) for which we expressly agreed, in writing, to cover under the “International Travel Insurance”, and you paid any relevant fee.’

Section 2, Part B – The Insurance we provide, 1. Medical and hospital expenses incurred overseas, But we will not pay for…, the 5th & 6th bullet points are deleted:

  • arise from HIV, AIDS, ARC (AIDS Related Complex, however, this syndrome may be acquired or named), or any related illness, no matter how you become infected;
  • arise from a sexually transmitted disease;

Section 2, Part B – The Insurance we provide, 3. Unexpected cancellation of travel arrangements and other unexpected expenses, 6th bullet point of the 4th paragraph, has been amended as follows:
your medical condition if it satisfies the provisions as set out under the heading ’Pre-existing medical conditions which are automatically covered (some restrictions apply)’ in Section 1.13, or we have provided you with our approval, in writing, of your pre-existing medical condition and you have paid any relevant fee; or’

Section 2, Part B – The Insurance we provide, 3. Unexpected cancellation of travel arrangements and other unexpected expenses, 14th bullet point of the 4th paragraph, has been deleted:

'the financial insolvency or financial collapse of a licensed service provider provided the booking was made via a licensed travel agent;'

Section 2, Part B - The Insurance we provide, 3. Unexpected cancellation of travel arrangements and other unexpected expenses, 'What we will pay if you continue to travel', an additional bullet point to the 4th paragraph has been added as follows:
‘including your travel agent’s cancellation fees, limited to the lesser of A$1,000 or 15% of the value of the travel arranged by the agent.’

Section 2, Part B - The Insurance we provide, 3. Unexpected cancellation of travel arrangements and other unexpected expenses, 'What we will pay if you don’t continue to travel', an additional bullet point has been added as follows:
‘including your travel agent’s cancellation fees, limited to the lesser of A$1,000 or 15% of the value of the travel arranged by the agent.’

Section 2, Part B - The Insurance we provide, 5. Travel service provider insolvency has been added as follows:

‘5. Travel service provider insolvency

We will pay for...
If your journey is cancelled, shortened or rescheduled due to the insolvency of a travel services provider then we will pay:
a) the value of unused prepaid travel or accommodation arrangements scheduled to be used during your journey, that you have lost or have had to cancel and cannot recover in any other way.
b) the travel agent’s cancellation fees and any commission or service fees retained by your travel agent up to the amount of commission or service fees that your travel agent would have earned had your journey not been cancelled, limited to the lesser of:

  • A$1,000, or
  • 15% of the value of the travel arranged by the agent.

c) for the value of frequent flyer points, air miles, loyalty card points, redeemable vouchers or other similar schemes lost by you as a result of cancelling the services paid for with those points, air miles, vouchers or schemes, but only if you cannot recover your loss in any other way. We calculate the amount we pay you as follows:

  • for frequent flyer points, air miles or loyalty card points:

– the cost of an equivalent booking based on the same advance booking period as your original booking less any payment you made toward the booking,

multiplied by

– the total number of points or air miles lost,divided by the total number of points or air miles used to make the booking.

divided by the total number of points or air miles used to make the booking.

  • for vouchers, the face value of the voucher or current market value of an equivalent booking, whichever is the lesser.

d) your reasonable costs of rescheduling your journey. The most we will pay for rescheduling your journey is the cost of cancellation fees or lost deposits that would have been payable under sub-sections a),b) and c) had your journey been cancelled. We will not pay a claim under sub-section d) in addition to a claim under sub-sections a), b) and c) for the same services/facilities.
e) the reasonable additional accommodation and travel expenses incurred if you have to return to your home in Australia. We will not pay a claim under sub-section e) in addition to a claim under sub-sections a), b), c) and d) for the same services/facilities.

But we will not pay...
a) for any bookings for travel and accommodation not made before the start of your journey while you are still in Australia;
b) if your journey is cancelled, shortened or rescheduled at any time due to the insolvency of any travel agent, tour wholesaler, tour operator or booking agent;
c) if at the time you became eligible for the ”International Travel Insurance”, the travel services provider was insolvent or a reasonable person would have reason to expect the travel services provider might become insolvent; or
d) for any accommodation expenses incurred after the date you originally planned to return to your home in Australia.’

Section 2, Part B - The Insurance we provide, 9. Funeral Expenses, 1st paragraph has been amended as follows:
‘We insure you for funeral expenses that are incurred whilst on your journey. However, we will not pay for your funeral expenses if your death is the result of a pre-existing medical condition unless you satisfy the provisions as set out under the heading ’Pre-existing medical conditions which are automatically covered (some restrictions apply)’ in Section 1.13, or we have provided you with our approval, in writing, of your pre-existing medical condition and you have paid any relevant fee.’

Section 7 Transit Accident Insurance, 2nd paragraph has been amended as follows:

‘This cover is available on trips where, prior to the trip, the entire payment for the trip was charged to the cardholder’s eligible credit card account. In certain circumstances the insurance also extends to the cardholder’s spouse and/or dependent children, provided the spouse and/or dependent children are travelling with the cardholder and before the trip the payment for their trip was also charged to the cardholder’s eligible credit card account.’

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