Please read the below information carefully as it outlines the changes to the terms and conditions of your accounts:
Updates to our Terms & Conditions
We have made changes to many of our personal banking terms and conditions. These changes reflect our commitment to transparency and fairness and ensure all our terms align with updates to the Australian Securities and Investments Commission Act 2001. Information about changes to each of our terms and conditions, including the date the changes take effect, is provided in our summary of changes. If you would like more information about these changes, please email
Transaction and Savings
- Savings Accounts & Account Access Channels Terms and Conditions
- Fees and Charges
- Savings and Transaction Account Interest Rate Schedule
- Visa Debit Card Terms and Conditions
Term Deposits
Credit Cards
- Credit Card Conditions of Use
- Credit Card Account Access Conditions of Use
- Rewards Cash Back Conditions
Personal Loans
Home Loans
Commercial Loans
- Commercial Loan Terms and Conditions - for lending dated up to 8 November 2023
- Commercial Loan Terms and Conditions - for lending dated from 9 November 2023
Promotion and Competition
Online services
Regulatory documents
Code of practice
If you have any questions, please call 1300 228 228 or visit your nearest bcu branch.
Target Market Determinations
Target Market Determinations (TMDs) for all products are available on our website.