Sunday 16 December 2012

Commonwealth Bank

Commonwealth Bank is one of the largest financial service providers based in Australia. According to its history, it was founded in 1911 and started the operation in 1912. Today, the bank is providing a wide range of banking and financial solutions for the personal, business and corporate clients such as savings accounts, credit cards, loans, industry expertise, capital raising and many others.

In Australia, the bank is operating with more 1000 branches, 4,000 ATMs, 190,000 EFTPOS terminals and over 10 call centres. Apart from Australia, it has international branches network in New Zealand, New York, London, Hong Kong, Indonesia, Japan, Singapore and Vietnam etc. The following is the registered head office address located in Australia.

Headquarters Address
Level 7, 48 Martin Place
Sydney NSW 1155
Telephone: (02) 9378 2000
Fax: (02) 9378 3317
Swift Code: CTBAAU2SXXX

Commonwealth Bank Netbank

Commonwealth Bank Netbank is an internet banking service which allows you access your account information such as account balances and transactions details. Moreover with this net bank service, one can also transfer funds and make payment for BPAY bills.

Friday 14 December 2012

Westpac Finance

Westpac has a wide range of loans and leasing products and a variety of finance options to choose from. The bank offers Short Term and Long Term Finance, Equipment Finance and Leasing, and Agribusiness Finance for funding various activities and purposes including business, corporate, asset or property, motor vehicle, plant and equipment, project, trade, debtor, supplier etc. The availability of various finance options provided by Westpac with tailor made solutions helps individuals and businesses identify the right options and meet their precise needs. The Short Term Finance is ideal for seasonal and specific expenses, while Long Term for home or property purchase, business expansion and acquisitions, Equipment and Leasing for new vehicles, plant and equipment, and Agribusiness for additional long and short term borrowings and livestock financing. The various loans and leasing products of Westpac can be viewed from below.

Short Term Finance
  • Business Overdraft
  • Westpac Business One Loan
  • Invoice Finance
  • Insurance Premium Finance
Long Term Finance
  • Business Loan
  • Westpac Business One Loan
  • Bank Bill Business Loan
  • Commercial Bills
Equipment Finance and Leasing
  • Vehicle and Equipment Finance
  • Equipment Rental
Agribusiness Finance
  • Westpac Produce Advance- Grains
  • Agri Finance
  • Agribusiness One Loan
  • Westpac Livestock Leasing
Whether individuals and businesses seek finance for funding various purposes such as vehicle, machinery, equipment, property purchase, business expansion and acquisitions, car finance getting expire or whatever, Westpac can help choose the right finance options that can suit the precise needs. Needless to say, Westpac's Davidson Institute provides financial education with various programs and courses for businesses and non profits.

Westpac Financial

Westpac offers a broad spectrum of financial banking products and services tailored to wide range financial needs and goals of diverse individuals in Australia and around the world. With long years of experienced in banking and financial services, the bank has vast knowledge and understanding on financial markets. Whatever the needs, the bank's financial planners and advisers can help address at any point of time with proven solutions and exceptional planning advice and services. Westpac is also committed to educating and supporting individuals and organizations to better understand and manage financial difficulty and crisis under its Financial Education umbrella. Davidson institute, a Westpac sponsored institution, offers comprehensive range of financial education resources. It conducts free workshops giving basic financial literacy, give advice, and offers short courses and nationally recognized qualifications in financial management, business planning and more.

The Westpac Financial Markets program, provided in Sydney for 8 months duration, allows interns to take advantage and get ahead of the coming year Westpac Financial Markets graduate intake. To support financial counselors and help funding in counseling organizations, and as part of its approach to financial hardship package expansion, Westpac Group including BT Financial Group
and St. George provides a huge sum of money towards the cause.

Westpac Financial Services

Westpac provides a wide range of financial services including advice on investment planning, superannuation and rollover, retirement planning, personal insurance, portfolio review service etc. Westpac Premium Financial services are delivered with personalized service with the bank's relationship manager and can call for meeting at any point of time. With the Financial Services Guide (FSG), which contains all information regarding the advice and services offered by the bank's financial planning group, one can get informed knowledge about the kind of advice and services available. It also contains other useful information including advice centre and services address, phone number and services provided by broader Westpac Group.

Westpac Website

Westpac Website is where one can get to know anything about the bank and access any banking products and services of the bank. It is the most reliable and convenient place to access anything about the bank; its history, corporate profile, products and services, where individuals can freely and directly get access sitting in one's comfortable room or office. A multinational banking and financial services company with operating branches throughout Australia and New Zealand, Westpac Bank offers a wide array of banking and financial products and services to wide range customers. It is one of the four largest banks in Aus and second largest in NZ. With registered head office located in Sydney, the bank operates a network of over 1200 branches and 2800 ATMs. Westpac also has operations in Fiji, Samoa, Papua New Guinea, Tonga, Vanuatu, Indonesia, and has offices in Singapore, Hong Kong, United States, UK and China.

The official website of Westpac Bank in Australia is www.westpac.com.au, while Westpac New Zealand is www.westpac.co.nz. Westpac Bank in Fiji and other operating locations in pacific island also have their own website providing exclusive information on the products and services offered by them. Visiting the About Us page from the bank's official website, individuals can get to know anything about the bank including the history, present corporate profile,
and the types of business the bank is engaged in. Career conscious and job seekers can find out about careers and job opportunities at Westpac from the career site. While several other details and information including online banking and mobile banking, can be obtained from the online banking site specifically provided for the internet banking customers. The shareholder page provides all information including share registries, dividend history, benefits package, newsletters and several others.

Westpac MasterCard

Westpac MasterCard credit cards allow cardholders to enjoy a number of benefits and hassle free services and thus widely preferred by many. They are widely accepted and can be used at millions of locations worldwide for purchases, cash advances and more. Rewards MasterCard holders can enjoy a wide range of benefits including altitude points from the Westpac reward program, complimentary travel insurance, etc. Low rate MasterCard cardholders can enjoy low interest rate on purchases. Westpac charges competitive exchange rate, conversion rate, and balance transfer and cash advance fees.

With several added card service features such as MasterCard PayPass and Visa payWave, cardholders can make payments for purchases in a much faster way. By registering for MasterCard SecureCode, cardholders can get extra security on their card when they shop online. With BPAY using the Biller code, one can also make any kind of bill payments without having to do any paper works. The following are the various types of MasterCard made available by the Westpac Bank Australia.

  • Altitude MasterCard
  • Altitude Gold Visa Card or MasterCard
  • Altitude Platinum Visa Card or MasterCard
  • Earth MasterCard
  • Earth Gold MasterCard
  • Earth Platinum MasterCard
  • 55 Day Visa Card or MasterCard
  • 55 Day Gold Visa Card or MasterCard
  • Low Rate Visa Card or MasterCard
  • Debit MasterCard
  • Prepaid MasterCard Gift Card
  • Ignite MasterCard

Westpac Visa

Westpac Visa Cards are offered with exciting rewards program with benefits including Altitude points, Qantas frequent flyer points, complimentary insurance covers and a host of convenient card services. Rewards cards which consist of Altitude, Altitude Gold, Altitude Platinum, Earth, Earth Gold, Earth Platinum, Singapore Airlines Gold and Singapore Airlines Platinum are all with two credit cards each- American Express Card and Visa Card or MasterCard linked into one account with only one statement, one credit limit and one annual fee. Low annual fee and low interest rate Visa Card or MasterCard are offered with competitive rates and fees and with wide range of other benefit schemes. Westpac credit cards are accepted widely including the prepaid MasterCard Gift Card and Debit Card MasterCard and can be used anywhere around the world wherever Visa or MasterCard is accepted. Westpac NZ Debitplus Visa card can be used like an EFTPOS card as well as credit card and can be used overseas and anywhere wherever Visa is accepted.

Westpac Visa Card

Westpac offers various types of Visa Cards with unique set of features, rewards
program, benefits and card services. One can find below the different types of Visa Cards offered by the Westpac Banking Corporation:

Rewards Cards
Altitude Visa Card or Altitude MasterCard
Altitude Gold Visa Card or MasterCard
Altitude Platinum Visa Card or MasterCard
Singapore Airlines Westpac Gold Visa Card
Singapore Airlines Westpac Platinum Visa Card

Low Annual Fee Cards
55 Day Visa Card or MasterCard
55 Day Gold Visa Card or MasterCard
55 Day Platinum Visa Card
Student Visa Card

Low Interest Rate Cards
Low Rate Visa Card or MasterCard

Westpac Earth

Westpac Earth cards are the Qantas frequent flyer rewards credit cards with two credit cards each linked to one account with one statement, one credit limit and one annual fee. Holders of Westpac Earth credit cards will earn Qantas Frequent Flyer points from both cards on all eligible purchases. They can even earn double points by spending with Qantas Frequent Flyer program partners, and bonus Qantas Frequent Flyer points by spending on selected Qantas products and services. There is no points capping and cardholders can maximize their earning potential. They can enjoy a wide range of complimentary insurance covers including overseas travel insurance, purchase protection and extended warranty insurance, competitive variable interest rates, and interest free of upto 45 days on purchases plus many more.

Westpac Earth Credit Card

Westpac Earth rewards credit cards include Earth, Earth Gold and Earth Platinum. All three cards are of two credit cards each namely Earth American Express Card and Earth MasterCard, Gold American Express Card and Gold MasterCard, and Platinum American Express Card and Platinum MasterCard.
Earth rewards cards are available with annual fee currently Earth $75, Earth Gold $125 and Earth Platinum $250 with variable interest rates of 19.99% p.a. on purchases and 21.49% p.a. on cash advance, and 0.99% p.a. on balance transfers for upto 6 months.

Holders of Westpac Earth and Earth Gold card can earn 1 Qantas frequent flyer points per dollar one spent on Earth and Gold American Express Card and 0.5 Qantas frequent flyer points per dollar one spent on Earth and Gold MasterCard. Earth Platinum cardholders can earn 1.5 Qantas frequent flyer points per $1 spent on Earth Platinum American Express Card and 0.5 Platinum points per $1 spent on Platinum MasterCard. They can also enjoy Platinum concierge service 24/7.

Westpac Swift Code

Swift codes are used to identify a particular bank or institution in any country and are particularly useful for the purpose of receiving and sending money internationally. Individuals from Australia can send money to most foreign countries and in most foreign currencies via internet banking, overseas telegraphic transfer or any local branch of Westpac. Those working or living overseas also can send money back to Australia from most banks using Westpac overseas telegraphic transfer. So, to send or to receive money to or from any bank or institution to any country or vice versa, various details of the receiving account are required such as bank name, branch name, account name, account number, Swift code or BIC code or IBAN depending on the country where one is sending to or receiving from. Westpac Bank Swift code is thus particularly useful when receiving or sending money to or from any overseas locations.

Westpac Swift Code Australia

Westpac Banking Corporation Swift code is WPACAU2S. This code is applicable to all branches of Westpac Bank in Australia whether in Sydney, Melbourne, Perth, Canberra, Adelaide, Brisbane, or any other locations. Individuals from Australia can send money to most countries in the world using Westpac overseas
telegraphic transfer via branch or internet banking. However, those wanting to send using internet banking should be a Westpac customer and should have registered for internet banking and Westpac Protect SMS Code.

To send money to any country or from any bank or country to Australia, sender needs to have handy the details of the receiving account such as Swift code or BIC code or IBAN, name of the bank, branch and address, account name and account number etc. To receive money from overseas, receiver have to give their bank account details including the above mentioned ones and Westpac swift code WPACAU2S.

Westpac Credit Cards

Individuals if not yet a cardmember and card holders if still not fully making most of it of the Westpac credit card's benefits and services can explore far and wide and get the most out of it. Westpac offers a comprehensive array of credit cards ranging from no annual fee and low rate credit card to rewards cards with wide range features and benefits and from Altitude Rewards program such as free travel insurance, purchase and repayment protection insurance, Qantas Frequent Flyer points, Krisflyer points and more. Cardholders can enjoy the flexibility of using overseas, foreign currency exchange, balance transfers, cash advance, and payments with variety of payment options such as BPAY, Direct Debit, Autopay, etc. Cards are available for all range of individuals including students and for business. Westpac charges competitive foreign exchange rates, currency conversion fee, overseas fees, international fees and cash advance fees. Individuals can compare all cards from the Credit Card comparison table and can choose the right one that would best meet their needs.

Westpac range of credit cards which includes Rewards Cards, Lower annual fee cards and Low interest rates cards can be viewed and compared from below.

Rewards Cards
Altitude: Altitude rewards points and many other great rewards.
Altitude Gold: All benefits of Altitude Rewards program with travel insurance covers.
Altitude Platinum: Altitude Rewards points and Platinum privileges.
Earth: Qantas Frequent Flyer points
Earth Gold: All benefits of Earth plus complimentary insurance covers.
Earth Platinum: Qantas Frequent Flyer points plus Earth Platinum privileges.
Singapore Airlines Westpac Gold: Singapore Airlines Krisflyer Frequent Flyer points.
Singapore Airlines Westpac Platinum: Krisflyer Frequent Flyer points.

Lower Annual Fee Cards
55 Day Visa Card or MasterCard: No annual fee in first year and 55 days interest free.
55 Day Gold Visa Card or MasterCard: All benefits of 55 Day card and insurance covers.
55 Day Platinum Visa Card: Extended complimentary insurance covers plus 55 Day Platinum privileges.
Student Visa Card: For all full time tertiary students.

Low Interest Rate Credit Cards
Low Rate Visa Card or MasterCard: Card with a very low interest rate.

Westpac Credit Cards Rewards

Rewards cardholders can enjoy unlimited earning of Altitude reward points, Qantas Frequent Flyer points, Krisflyer Frequent Flyer points and a range of complimentary travel insurance and Platinum concierge services. Low annual fee and low rate credit cardholders also can enjoy the benefits of no annual fee, interest free and low interest rates. Beside exclusive rewards program, Westpac also offers wide range in built benefits and a host of convenient services to its customers.

With online banking service, credit card application, activation and cancellation are all hassle free. Customers can apply online, activate, cancel and even manage their card account online and these are all just a few clicks away. Applicants also can view the application status online. Cardholders can request limit increase or decrease, order new card and get replacement if lost or stolen. Using the biller code and BPAY service, cardholders can pay their monthly bills or make any other payments. Westpac cardholders have the option to make payment for purchases either by using the 4-digit PIN, the security code or by signing as usual.

Westpac Credit Card Contact

For any enquiries, assistance or problems regarding Westpac credit cards including disputes settlement of credit card transaction, cardholders can contact the below phone number or write to the respective address of card service centre given below:

Australia
Customer Service Call Centre Helpline: 300 651 089
Calling from overseas: 61 2 9374 7082

Write or send to:
Westpac Card Services
Reply Paid 4318
Sydney NSW 2001

Westpac Qantas

Westpac Altitude Qantas Cards and Earth Qantas Frequent Flyer Rewards Credit Card are of two credit cards each linked to one account, with only one statement, one credit limit and one account fee. Two credit cards comprises of Altitude Qantas American Express and Altitude Qantas Visa Card, and Earth American Express and Earth MasterCard with both having the privilege to earn Frequent Flyer points per dollar spent on all eligible purchases. Besides earning Frequent Flyer points with no points capping, cardholders also can enjoy competitive interest rate on purchases and cash advances and interest free period on credit purchases of upto 45 days. The annual card fee currently for Earth Qantas is $75, while Altitude Qantas is $100, Altitude Gold $150 and Altitude Platinum $295. There are also other transaction fees including processing fee, on-charged scheme, withdrawals, missed payment, over-limit, and duplicate statement etc. However, fees and charges are subject to change.

Westpac Qantas Frequent Flyer points

Cardmembers of Westpac Altitude Qantas, Altitude Gold, Altitude Platinum and Earth Qantas can enjoy exclusive rewards and benefits from Westpac Qantas
Frequent Flyer program. All three Altitude Qantas Cardholders will earn 1 Qantas Frequent Flyer points per $1 spent on Qantas American Express Card, 0.5 Qantas Frequent Flyer points spent on Visa Card, and 0.5 additional Qantas Frequent Flyer points on purchases at selected bonus partners. Earth Qantas Cardholders also will earn 1 Frequent Flyer point per dollar one spent on Earth American Express Card and 0.5 point spent on Earth MasterCard. For detailed information on the Qantas Frequent Flyer program including terms and conditions, redemption of points and more, log on to qantas.com/frequentflyer.

Needless to say, Westpac Altitude Qantas Cards are not for general sale and are not currently available to new customers. For any queries or problems regarding Westpac Qantas Cards including application, reward and benefit schemes, interest rates, annual fees and charges and more, please contact the following phone numbers:

Altitude Qantas: 1300 651 089
Altitude Qantas Gold: 1300 651 089
Altitude Qantas Platinum: 1300 859 100
Earth Qantas: 1300 651 089
Platinum concierge: 1300 859 100, option 5

For more information on Westpac Qantas Credit Cards, Rewards program, bonus partners, earning and redemption of points and more, please log on to the official website of the bank.

Website: http://www.westpac.com.au/personal.../frequent-flyer-points/
http://www.westpac.com.au/personal...my.../manage-my-altitude-qantas/

Westpac Altitude Rewards

Westpac Altitude Rewards programme offers one of the most generous rewards schemes given to cardmembers. It allows its cardmembers to earn as many points as they can without capping, and offers them to redeem rewards from the wide choice of selection. It has been named the most awarded rewards program in Money Magazine's The Best of the Best for five consecutive years. With Altitude, Westpac cardholders can earn hotpoints faster and can redeem the rewards that they really want. Westpac has a wide range of products, travel destinations, airlines and shops to choose from. There is no limit to earning of points and the earned points have no expiry date as long as one remains an Altitude cardholder. The Altitude Travel gives cardholders access to every major domestic and international airlines from Australia and their partner airlines. Westpac also make global rewards catalogue available online allowing cardmembers to select wide range products of their choice from around the globe.

Westpac Travel Insurance

Westpac Travel Insurance policy covers single travelers, families and includes holiday and business or frequent travelers. It covers for events such as cancelled travel and accommodation expenses, overseas medical expenses, delayed transport and accommodation expenses, personal baggage, credit card and travel documents, accidental death, personal liability, car rental and more. All policies cover both traveling within Australia and overseas. Individuals traveling within or outside of Australia can organize travel insurance with the Westpac Bank before they leave and can enjoy hassle-free trip throughout the journey. Individuals who have any of the Westpac credit cards such as Earth Gold, Earth Platinum, Altitude Gold, Altitude Platinum, 55 day Gold MasterCard or Visa Card and 55 day Platinum Visa Card can access free travel insurance. Those not having any of the above cards can also arrange Westpac travel insurance policies such as travel assistance, overseas medical expenses, luggage, credit card, travellers cheques and 24 hour claim service.

The Westpac travel insurance is issued by Vero Insurance Limited and is arranged by Westpac Banking Corporation, while the complimentary insurance covers are issued by Zurich Australian Insurance Limited.
All policies are subject to terms and conditions, limits and exclusions on cover that are clearly stated and explained in the policy wording. Individuals can obtain this policy wording by calling 1300 762 284.

Westpac Foreign Exchange

Westpac Bank is a leading provider of foreign exchange services in Australia and is specializing in Australian dollar and New Zealand dollar markets. The bank offers a comprehensive range of customized foreign exchange solutions for the wide range needs of individuals, businesses and corporate. With variety of tailored products and services, Westpac helps customers participate in favorable foreign currency exchange rate movements and provides protection from adverse impact on exchange rate, thereby helping them reduce the risk in dealing with the foreign exchange and all related issues. With foreign exchange contacts in Sydney, London, New York and Singapore, Westpac offers exchange services in all major currencies including US dollars, euros, pounds etc.

International travellers can take the hassle out of their foreign trip and they can at the same time save money as well. Being a partner with American Express, customers of Westpac can buy foreign currency and travellers cheques online directly from Amex. If anyone is unsure of which currency or travellers cheques to purchase, one can call the American Express at +61 1300 133 289.

Westpac Rates

Westpac Bank offers competitive rates, fees and charges for all its products and services including home loans, personal loans, business loan, margin loan, mortgage, fixed term deposits, term investment, overdrafts, money exchange, savings accounts, esaver, commercial bills, credit cards, visa card, MasterCard etc. The bank also charges very low rate and fees for daily exchange and conversion of Australian dollar to any foreign currencies or vice versa. Customers can log on to the bank's official website and see the comparison rate schedule and fees of all its offered products and services. The rates and fees updated on the internet are subject to change anytime, and as the rise and cut of rates and fees are done at the bank's discretion, customers are asked to every time check the current or the accurate info with the bank before making any decision.

Westpac Rates of Exchange

Logging in to Foreign Exchange Rates page, www.westpac.com.au/forms/forex.nsf/, individuals can view the currency exchange rates of different foreign currencies including US dollar (USD), NZ, Fiji, Samoa, Papua New Guinea (PNG) and many others.
Everyday the bank updates day to day rates of different FX currencies on its official website. However, all updated rates are subject to change and the hikes and drop of the rates are done at the bank's discretion. Customers are therefore, asked to confirm the accurate information and details before making any commitment.

Westpac Rates Home Loans

Westpac home loans whether fixed, variable, line of credit or home loan package are offered with competitive interest rates, fees and flexible repayment options. Besides, Westpac home loan beneficiaries are also offered exciting discount on the standard variable rate with premier advantage package. Home loans of Westpac in New Zealand are available with everyday floating rate, fixed rate and capped rate. To view the current prevailing lending rate for all Westpac home loan products in Australia, individuals can log on to www.westpac.com.au/personal-banking/home-loans/. One can also read the historical interest rates of the bank's different loan products.

Westpac Personal Loans

Westpac Bank offers a range of secured and unsecured personal loans with competitive interest rates, fees and monthly repayments, and with a number of repayment methods. Individuals can apply for a personal loan of Westpac for any personal purpose including debt consolidation, personal overdraft, household expenses, for holiday, for a new or used car or boat for personal use etc. Loans are available with amounts ranging from $4,000 to $100,000 with terms from 1 year to 7 maximum years. Customers have the options to make additional repayments on all personal loan type of Westpac Bank. The bank also gives protection insurance for all loans except Westpac Flexi Loan.

Personal loans offered by the Westpac Banking Corporation include unsecured, secured, car loan (for both new and used car), boat loan (for both new and used boat) and Westpac Flexi Loan. All loans are offered with fixed rate except the Westpac Flexi Loan which is available with variable rate. Westpac Flexi Loan can be used for any personal purpose where security is not required and customers can withdraw funds as needed. The comparison table which gives complete picture of all Westpac personal loans with details including rates, fees, loan amounts, loan term, repayments and their methods will allow individuals to find one that is right for their needs and requirements.

Using the simple and easy to use calculator tool, Westpac personal loan customers can determine their capacity of borrowing; calculate monthly repayment amount and many more.

Westpac Personal Loans Application

To apply for a personal loan of Westpac, applicants must be a citizen of Australia or NZ (Westpac in New Zealand), or a permanent resident and should be above 18 years of age. Applicants should have all the necessary information in handy pertaining details such as permanent monthly income, credit history, driving licence, current financial commitments, email address etc. If applicants are qualified on verification, they can apply either online by completing the online application form or over phone by calling contact number of Westpac Personal Lending Centre at 132 651 or by visiting a local branch office. Applicants applying through internet or online must enter the promotional code if they received any promotional offer.

Applicants also can check their application status by simply dialing the Westpac Personal Lending Centre contact number at 132 651 from 8:00am to 8:00pm Monday through Friday and from 9:30am to 1:30pm on Saturday. For more details and to view the current interest rates, terms and conditions and more, please log on to the official website of the bank.

Website: http://www.westpac.com.au/personal-banking/personal-loans/

Westpac Home Loan

Westpac Bank offers a variety of home loan products including variable rate home loans, fixed rate, line of credit, home loan package and low doc home loan with best in town deals, competitive rates of interest and flexible repayment options. Whether individuals are seeking for a first time home buying or looking forward to buying investment property or seeking home loan refinance program, Westpac has wide choices of options to choose from. The Direct Debit repayment option allows customers repay home loan without any hassle. The various home and investment loan products available at Westpac can be viewed below.

Variable Rate
  • Rocket Repay Home Loan: a mortgage offset account link to home loan which allowed saving a lot of interest with every dollar left in the account.
  • Rocket Investment Loan: investment home loan with flexible offset account.
  • Flexi First Option Home Loan: loan with competitive price and options available on pay as you use basis.
  • Flexi First Option Investment Loan: an investment loan with comprehensive features and pay as required.
Fixed Rate Home Loans
  • Fixed Options Home Loan: a fixed rate home loan that allows lock interest rate for upto 10 years.
  • Fixed Rate Investment Property Home Loan: allows lock interest rate for upto 12 years.
Line of Credit Home Loan
  • Equity Access Loan: an equity home loan that allows customer to raise funds for other investments.
Home Loan Package
  • Premier Advantage Package: package with regular banking that reduces interest and help customer save money.
The Flexi First Option Home Loan which is a low rate basic home loan is offered with features such as redraw, top up and repayment holiday and interest only loan is available for upto 15 years.

Westpac Home Loan Rates

Home loan products, be it variable, fixed, line of credit or low doc at Westpac is offered with competitive interest rates. Individuals can log on and view the current Westpac home loan rates that are furnished on its official website. Variable rate home loan customers can receive exciting discount of upto 0.7% p.a. on the standard variable rate with premier advantage package. Fixed rate investment home loan customer also can receive discount of 0.2% p.a. if they choose the premier advantage package. The flexible line of credit of Westpac is offered with no fee for additional withdrawals, early repayments and no exit fees as such. The home loan rates NZ are offered with options of Everyday Floating Rate, Fixed Rate and Capped Rate.

Westpac Home Loan Calculator

Using the simple home loan calculators and tools, Westpac home loan customers can compare different loan options, determine how much they can borrow, calculate monthly repayment amount, work out deposit amount both with and without mortgage insurance, track the progress of application process etc.

Westpac Home Loan Application

Customers looking to buying or refinancing a property at Westpac can take the help of the bank's home loan experts to complete the entire application process. They can also log on to the bank's official website and complete the application online or download the application form and submit in any branch location. To apply over phone or online or any enquiries or problem regarding Westpac home loans, customers can call the bank's home loan contact number at 131 900 or by emailing at the bank's home loan centre so that one of the bank's experts will contact back.

Whether applicants have applied online, phone, branch office, and broker or through a home loan mobile manager, one can review and check the status of the entire application. Those applying from overseas have to visit the Westpac Migrant Banking site www.westpac.com.au/personal-banking/moving-to-australia/organise-australian-mortgage/ and see if they meet the required criteria. If eligible, they can check their borrowing capacity by completing an enquiry form and can download the application form for application.

For more information on Westpac Home Loan products and services in Australia, NZ, Fiji and PNG and all other related info including home loan trust, with guarantor, market share, pre approval, partnerships, premium option home loan rates, terms, interest rate history and increase and more, please log on to the official website of the bank.

Website: http://www.westpac.com.au/personal-banking/home-loans/

Westpac Term Deposits

Westpac Banking Corporation Term Deposits offers guaranteed rate of return with competitive interest rate to those customers who needs fixed term investment for a set period. It is available from short term to medium term and customers can choose the terms from 7 days to 60 months, and interest payment frequencies as monthly, annually or at maturity. It is ideal for securing surplus cash for a set period. Westpac Bank term deposit is available for both personal and business customers. The minimum balance to open this account is $5,000 and the maximum balance is $10,000,000. Customers can open the account either by visiting a branch or by phone or through online.

Customers can use the term deposit interest to supplement their income. Customers who chose 6 month term deposit interest payment at maturity can enjoy no set up, monthly service or management fees. Those customers can also enjoy flexible repayment and reinvestment options at the end of the term. However, the term and conditions states that if customers are on any special rate and the term deposit rolls over automatically, the deposit will be automatically re-invested at a lower rate than the prevailing current interest rate.

Westpac Term Deposits Rates

Term Deposits at Westpac are offered with competitive interest rates while the rates vary with deposit amount, payment frequency and the term of the deposit. Customers may log on and view the Westpac term deposits offered rates 2011 or latest offered rate from the rates table available on the bank's official website. The rates offered are subject to change, and thus customers are ask to check the latest offered rates every time and read the terms and conditions before making any decision. Westpac NZ also offers competitive interest rates with rates according to deposit amount, interest payment option and the length of the terms.

Interest payment options are available monthly, annually and at maturity. Payment at maturity is available for terms of 12 months or less, while monthly payment is available for terms of 1 to 60 months, and annually for terms of more than 12 months. Customers can have the interest paid either to a Westpac Bank account or any bank account in Australia in cash or through a bank cheque with fees. Using the Term Deposit calculator tool, customers can also calculate and know how much they will earn.

The set period of time for opening term deposit account at Westpac is available from 7 days to 5 years. Customers are advised that other than at maturity, they cannot withdraw funds from the account during the set period of the term unless one closes the account. To get the latest rates for deposits of more than $250,000, customers may call 1300 362 742. For complete details of Westpac Term Deposits, please log on to the official website of the bank.

Website:

http://www.westpac.com.au/personal-banking/bank-accounts/savings/term-deposits/

http://www.westpac.co.nz/olcontent/olcontent.nsf/Content/Term+investment+rates

Westpac Login

Having a Customer Login ID and a Password is all what needed for any customer of Westpac to enjoy fast, secure and easy online banking services provided by the bank. The internet banking facility is freely made available for all personal banking, business banking, corporate banking, online broking and online investing purposes. Registered customers can anytime and from anywhere sign in and perform any banking transaction or manage accounts efficiently be it credit card, savings, trading, loan, mortgage, trust or any other accounts. Having login in and with just a few clicks of the mouse, customers can do everything from checking account balances, to transferring of money and to payment of bills. Cardholders can login in to view the earned hotpoints of ignite and earth card, redeem gifts, and activate Altitude Rewards online account plus many more.

Westpac Login New Zealand

To get started with Westpac Netbanking and to obtain a Login ID and a password, customers in NZ have to register with a valid Westpac account. However, those already registered phone banking customers can log in using their phone banking ID and password, but those not registered members
can call 0800 400 600 or +64 9 912 8000 (overseas) to get a Login ID and password. For detailed info please log on to www.westpac.co.nz/olcontent/olcontent.nsf/Content/About+online+banking, and to sign in, customers can log on through login page https://sec.westpac.co.nz/IOLB/Login.

Westpac Login Australia

To enjoy Westpac Netbank service in Aus, one has to first register to obtain the Customer ID and password for login purpose. After successful registration, customers can sign in through the Login page westpac.com.au, click the Sign in button and then sign up by entering the customer ID and password by simply clicking the keypad buttons. Personal banking and registered Telephone Banking customers can use their customer number and 3 digit access code for registration. Those not registered for telephone banking or who have forgotten their customer number and password can call the bank's help desk number 132 032. For more information or any problems regarding Westpac online banking and login, customers can call 1300 655 505. Corporate customers can call the Westpac Corporate help desk number 1300 134 291 for any login related problems.

Westpac Login Business

Business banking customers can also enjoy a wide range of business online banking services provided by the bank. After successfully registered with the service and assigned with a Customer ID and password, customers can anytime log in using the Login ID and password and can perform any kind of banking activities online. Westpac PayWay service which is an internet-based payments solution and which support direct debit, credit card, BPAY and Australia post payments helps business customers better manage their cash flow irrespective of the size of the business.

For more details on Westpac online banking login and all other related information including invoice finance, careers, MasterCard, Visa and more, please visit the official website of the bank.

Website:http://www.westpac.com.au/personal-banking/westpac-online/
https://sec.westpac.co.nz/IOLB/Login

Westpac Loans

The Westpac Banking Corporation offers a range of loan packages to suit all kinds of business and personal needs. Westpac provides all loan and leasing rates for both short term and long term finance.

Its range includes business bank loans, RAM home, personal loans, small business, car and commercial loans. Westpac offers student loans to eligible students who need financial assistance to pursue their tertiary education. The bank also provides, low doc loans for the self employed, defense home, owner builder home loan, equity, mortgage, investment property, secured loans and many more, all made portable for its customers.

Alongside this, Westpac also offers superannuation plans such as smsf to meet, bridging, the employer and employees needs.

Westpac Personal Loans

Westpac personal loans are available for purchasing used car, new car, a boat, debt consolidation or for other purchases. This is also accessible in the form of secured and unsecured loans offering customers flexibility and freedom to renovate their homes, purchase the items they need or go on a holiday. Home and fixed home loans also fall in this category.

Westpac offers bank home loans for buying and refinancing property. Customers planning renovations and in need of extra funds, may want to apply to increase their home loan using the top up feature. The bank allows its customers of its Australia and NZ and other branches in the world to apply for personal loans online.

An application form is available online where they have to fill in their home contact and house address details. Filling out the online loan application form is safe as the Westpac internet security had recently been given the green light for going ahead. The website also links customers to home loans Fiji, Australia and New Zealand.

For more information on personal loan visit the bank’s website http://www.westpac.com.au/personal-banking/personal-loans/

Westpac Card

Westpac offers a comprehensive array of personal and business credit cards, debit cards and gifts cards with a wide choice of benefits and services to its customers. Its range of credit cards are available with features and services ranging from interest free and low rate to earning of rewards points, travel insurance and complete financial freedom. The bank also provides a host of convenient services including online banking, telephone banking, BPAY and Autopay allowing customers to easily perform banking activities including application, activation, balance transfer, payments and many more. Westpac Debit MasterCard allows access money from over millions of ATMs and merchants worldwide with added security with chip technology. Cardholders can get chargeback protection when they choose credit and also can save withdrawal fees on overseas ATMs by using Global Alliance partners' ATMs. Westpac MasterCard Gift Card, a prepaid card, also can be used anywhere around the world wherever MasterCard is accepted.

The range of Westpac credit cards comprises of Rewards, Low annual fee and Low interest rate. Its rewards credit cards include Altitude, Altitude Gold, Altitude Platinum, Earth, Earth Gold, Earth Platinum, Singapore Airlines Westpac Gold and Singapore Airlines Westpac Platinum.

The lower annual fee and low interest rate credit cards include 55 Day Visa or MasterCard, 55 Day Gold Visa or MasterCard, 55 Day Platinum Visa, Student Visa Card and Low Rate Visa or MasterCard. Westpac Rewards holders can enjoy great altitude reward points, Qantas Frequent Flyer points, Krisflyer Frequent Flyer points and a range of complimentary insurance covers. Westpac Ignite credit cards also offer great benefits to its holders. However, this Ignite credit card is currently not available for new customers. Customers are also informed that Westpac GM Holden, Virgin credit card and no annual fee are no longer available.

Westpac Card Services

With exceptional customer service, resources and tools provided by the bank, Westpac cardholders can take advantage and can enjoy a number of convenient services. They can easily apply, activate and cancel the card online, increase or decrease the credit limit, order new card and get replacement within 2 days if lost or stolen. Westpac also can help its customers find foreign currency exchange rates; decide whether credit or Handycard or travelers cheques is best when planning to travel abroad and many more. Cardholders can link Altitude American Express card to existing altitude account, and using the biller code and BPAY number, customers can pay their bills and can make any other payments. Using the Autopay service, cardholders can automatically pay any nominated amount to one's card each month. With online banking, cardholders can manage their account instantly. It is easy, convenient and secure as well.

Westpac Card Overseas

Westpac cards are accepted widely and can be used to make purchases and access cash from over millions of locations and ATMs worldwide. Its Debit MasterCard and Gift Card are also accepted widely and can be used wherever MasterCard is accepted. Westpac however, charges a fee of 2% when customers use the card in overseas locations for any purchases or cash advances or withdrawals. There may also fees for processing foreign transactions. Customers however, can avoid fees for withdrawing money in overseas ATMs by using the bank Global Alliance partners' ATMs.

Westpac Card NZ

Westpac Bank in New Zealand offers a variety of cards including credit and debit cards and travel card. Credit cards are offered with wide choice of options including low interest rate, hotpoints rewards and several other exclusive benefits. The Debitplus Visa card offered by Westpac can be used like an EFTPOS card as well as credit card and can be used anywhere Visa is accepted. The Travel Card can be used as a Visa credit card and EFTPOS and can be also used to withdraw cash from overseas ATMs.

Westpac Card Contact

For any enquiry, assistance or problems regarding Westpac card and its services including report lost or stolen, cardholders can contact the below phone number or write to the following card service centre address:

Services Australia
Customer Service Call Centre: 300 651 089
Calling from overseas: 61 2 9374 7082

Write or send to:
Westpac Card Services
Reply Paid 4318
Sydney NSW 2001

Services NZ
Customer Service Call Centre: 0800 888 111
From overseas: +64 9 914 8026

Write or post to:
Westpac Credit Card Services
Private Bag 92503
Wellesley Street, Auckland

For more information about Westpac cards and its services in Australia as well as in New Zealand and all other related info including commercial cards, employee benefits card, meal entertainment card, application form, repayment cover, verification number and more, please log on to the official website of the bank.

Website:
http://www.westpac.com.au/personal-banking/credit-cards/
http://www.westpac.co.nz/olcontent/olcontent.nsf/.../credit+cards

Westpac Phone Number

Westpac Banking Corporation provides several phone numbers for all general banking purposes, besides each operating branch having their own branch phone numbers, allowing customers to instantly get in touch with the bank. Visiting the bank's Contact Us site and clicking the Telephone Directory, customers can find the full list of Westpac Bank's customer service number for all its products and services. The bank fulfills the needs and wants of all its clients and customers locally and internationally through its exceptional customer service.

Every product and service of Westpac are made available with customer support tools and services such as phone number, Telephone banking, internet banking or online banking and email etc. For any queries, assistance, complaints or suggestions about the bank regarding its products and services, customers can contact the respective products and services department through any channel that suits their conveniences.

Westpac Phone Number Australia

The following are some of the branches and ATM locations of Westpac in Australia with their address, BSB code and phone number:

Toomwoomba
431 Ruthven St
Toomwoomba QLD 4350
BSB 034-221
Branch phone: (07) 4631-6200

Castle Hill
Shop 226B
Castle Towers Shopping Centre
6-14 Castle St
Castle Hill NSW 2154
BSB 032-173
Branch phone: (02) 9898 6555

Springwood
176 Macquarie Rd
Springwood NSW 2777
BSB 032-837
Branch phone: (02) 4752-2400

Sutherland
802 Princes Hwy
Sutherland NSW 2232
BSB 032-059
Branch phone: (02) 8536 0488

Pakenham
121 Main St
Pakenham VIC 3810
BSB 033-636
Branch phone: (03) 5941-0077

Torrensville
159 Henley Beach Rd
Mile End SA 5031
Branch phone: (08) 8152-4155

Westpac Hours

Westpac hours of business are the working hours of the bank's operating branches during which they carried out regular banking activities. These hours of work varies from branch to branch and with geographical location of the operating branch, and also with occasion such as public holiday, Christmas, Easter, and New Year etc. However, the normal banking hours for most Australian's operating branches are more or less the same. There are also branches that open on Saturday as well, but majority of the Westpac branches does not open on Saturday or weekend, and Sunday being permanently fixed off.

Westpac Opening Hours

In Australia, Westpac hours of operation for most operating branches for all regular banking activities are open from 9:30am to 4:00pm Monday through Thursday and from 9:30am to 5:00pm on Fridays. And those branches that open on Saturdays are, for some, it starts from 9:30am and closed at 1:00pm; while others it opens at 10:00am at closed at 1:00pm depending on branch locations. We provide below some branches of Westpac Bank in Australia with their complete location address, BSB code, phone number and their trading hours:

Collins Street
530 Collins St, Melbourne VIC 3000
BSB: 033-017, Phone: (03) 9236-9044
Opening Times: Mon-Thu 9:00am-5:00pm and Friday 9:30am-5:00pm

North Sydney
Shop 6, 60-80 Walker St, North Sydney NSW 2060
BSB: 032-323, Phone: (02) 8918-1922
Opening Hours: Mon-Thu 9:30am-4:00pm, Fri 9:30am-5:00pm

William Street
1 King William Street, Adelaide SA 5000
BSB: 035-000, Phone: (08) 8112-7722
Opening Hours: Mon-Thu 9:30am-4:00pm, Fri 9:30am-5:00pm

Liverpool
Shop 7-8, Liverpool Plaza, 165 Macquarie St, Liverpool NSW 2170
BSB: 032-075, Phone: (02) 8782-0455
Trading Hours: Mon-Thu 9:30am-4:00pm, Fri 9:30am-5:00pm, Sat 10:00am-1:00pm

Kew
150 High St, Kew Vic 3101
BSB: 033-058, Phone: (03) 9261-8200
Opening Times: Mon-Thu 9:00am-5:00pm, Fri 9:30am-5:00pm

Wetherill Park
Shop 3, 1183, Horsley Drive, Wetherill Park NSW 2164,
BSB: 032-349, Phone: (02) 8786-6666
Timings: Mon-Thu 9:30am-4:00pm, Fri 9:30am-5:00pm

Queen Street
388 Queen St, Brisbane QLD 4000
BSB 034-003, Phone: (07) 3001-8777
Trading Hours: Mon-Thu 9:30am-4:00pm, Fri 9:30am-5:00pm

Garden City
Shop 1021, Garden City Shopping Centre,
Cnr Logan Rd & Kessel Rd, Upper Mt Gravatt QLD 4122
BSB: 034-093, Phone: (07) 3725-9722
Timings: Mon-Wed 9:30am-4:00pm, Thu & Fri 9:30am-5:00pm, Sat 9:30am-1:00pm

North Perth
187 Scarborough Beach Rd, Mount Hawthorn WA 6016
BSB: 036-044, Phone: (08) 9201-3666
Opening Times: Mon-Thu 9:30am-4:00pm, Fri 9:30am-5:00pm

Joondalup
Cnr Grand Bvd & Boas Ave, Joondalup WA 6027
BSB: 036-231, Phone: (08) 9233-9555
Banking Hours: Mon-Thu 9:30am-4:00pm, Fri 9:30am-5:00pm

Robina
Shop LC 5.06, Robina Town Centre Dr, Robina QLD 4226
BSB: 034-279, Phone: (07) 5559-3744
Opening Times: Mon-Thu 9:00am-4:00pm, Fri 9:00am-5:00pm, Sat 9:00am-12:00pm

Westpac BSB

Every branch of Westpac Bank in Australia has its own BSB number and is of six digits in length. The first two digits represent the bank code and specify the parent financial institution, third digit the name of the state where the branch is located and the last three digits represent the branch number of the particular branch. This BSB or Bank State Branch code is used to identify banks and branches from other financial institutions in Australia and from branches of the same institution and is particularly useful for the purpose of receiving and transferring money from one account or institution and vice versa.

To make a payment to any linked account or to any other Australian financial institutions, one will be required both the BSB code and account number of the payee so that correct bank, branch and account are credited with the payment. Account numbers and BSB codes always work simultaneously to ensure every payment made is credited correctly. However, account numbers of every Australian financial institution are of varying length and contain upto nine digits in number. Before making any payment, customers of Westpac Banking Corporation can check the BSB or Account number if they are correct by just a phone call by dialing 132 722 and selecting All Other Enquiries from the menu (option 5) and BSB Information (option 1).

Westpac BSB Number

To look up or to find BSB numbers of any Westpac branch in Australia, customers can use the bank Branch/ATM Finder tool and search by providing the suburb or postcode or street address. Here we provide a list of BSB numbers with address for some branch locations of Westpac Bank in Australian states and territories, cities and towns including QLD, NSW, Victoria, Adelaide, Brisbane, Darwin, Sydney, Melbourne, Perth, Port Macquarie, Wollongong, Wagga Wagga etc.

Ashfield
Shop 31/31A, Ashfield Mall Shopping Centre, 260 Liverpool Rd, Ashfield NSW 2131 BSB: 032-060

Alice Springs
19 Todd Mall | Alice Springs NT 0870 | BSB 035-303

Aspley
1374 Gympie Rd | Aspley QLD 4034 | BSB 034-064

Aitkenvale
306-308 Ross River Rd | Aitkenvale QLD 4814 | BSB 034-212

Ballina
Cnr River & Cherry Sts | Ballina NSW 2478 | BSB 032-591

Belmont
564 Pacific Hwy, Belmont NSW 2280, BSB: 032-510

Byron Bay
73 Johnson St | Byron Bay NSW 2481 | BSB 032-573

Blacktown
81-83 Main St | Blacktown NSW 2148 | BSB 032-071

Broadway
Shop LG4/5, Broadway Shopping Centre, 86-90 Bay St, Broadway NSW 2007
BSB: 032-249

Capalaba
57 Old Cleveland Rd | Capalaba QLD 4157 | BSB 034-080

Cabramatta
28 John St | Cabramatta NSW 2166 | BSB 032-172

Chatswood
425 Victoria Ave, Chatswood NSW 2067, BSB: 032-090

Coffs Harbour
1 City Centre Mall, Harbour Dr | Coffs Harbour NSW 2450 | BSB 032-576

Cranbourne
116 High St | Cranbourne VIC 3977 | BSB 033-686

Dubbo
87 Macquarie St | Dubbo NSW 2830 | BSB 032-646

Dee Why
Shop 1, Dee Why Grand Plaza, 834 Pittwater Rd | Dee Why NSW 2099 | BSB 032-094

Dandenong
256 Lonsdale St | Dandenong VIC 3175 | BSB 033-046

Westpac ATM

Westpac has a total ATM network of more than 2,800 throughout Australia, and its network includes Westpac, St George and BankSA machines. All ATMs of Westpac are made available with free of the ATM operator fee. Customers can withdraw cash, check account balances, purchase mobile phone recharge vouchers, deposit cash and cheques, view mini statement for last 10 transactions, transfer money between linked accounts, and make payments to other accounts within Australia plus many more. Talking ATMs are also available in several locations.

Customers are provided a variety of options for finding the nearest ATM locations or any desired ATM machines operating in the country. They can locate or search through online by using the Branch/ATM Locator tool or iphone by using mobile banking, or by just a phone call by dialing 1800 022 022 anytime. They can also text the suburb and state name of the searched location to 19 WBC ATM (19 922 286) and the bank's customer service representatives will send the closest Westpac ATMs in their area. To search branch/ATM location using the Locator or Finder tool, customers will have to provide the suburb or postcode or street address of the searched location.

Westpac ATM Australia

Westpac ATMs can be found throughout Australian states and territories though majority of them are located in big cities and towns such as Melbourne, Adelaide, Brisbane, Canberra, Newcastle, Sydney, Darwin, Perth, Hobart, Cairns, Kingston, Hamilton, Wollongong, Townville, Richmond, Fremantle, Fairfield etc. As mentioned earlier, customers can access money from over 2,800 ATMs across the nation. Customers can find 24/7 operating ATMs in Ashfield, Ballarat, Bondi Junction, Broadway, Bendigo, Burwood, Coogee, Carlton, Cowes, Coorparoo, Clayfield, Docklands, Darling Harbour, Diamond Creek, Darlinghurst, Dickson ACT, Erina, Enmore, Ellerslie, Ellenbrook, Eastwood NSW, Fortitude Valley, Goulburn, Glenelg, The Gap QLD, Glen Waverley Vic, Hervey Bay, Hornsby, Hurstville, Harbourside, Highland Park, Ipswich, Illawarra, Jindalee, Kingsford, etc. to name just a few locations.

To locate the above locations and their complete details, and in locations such as Kogarah, Kensington, Kwinana, Kellyville, Katoomba, Kallangur, Malaga, Mooloolaba, Mosman, Mentone, Newtown, Noosa, Nadi, Pyrmont, Parramatta, Paddington, Parkville, Prahran, Rarotonga, Redfern, Rockhampton, Randwick. Robina, The Rocks, Rye, Rowville, Rockingham, South Yarra, Toowoomba, Tauranga, Templestowe, Torquay, Toombul, Unley, Whangarei, Woolloomooloo, Werribee, Warrandyte, Woodend, Yarraville, Yamanto, Yeppoon, Launceston, Caloundra, Clayton, and more, customers may log on and use the Locator tool by proving suburb or postcode. Below we provide some with their complete contact details:

Brisbane Airport
Nr Hertz, Qantas Arrivals Hall, Airport Dr, Brisbane Airport QLD 4007
Operating Hours: Monday to Sunday 5:00am-11:00pm

Sydney Airport
Level 1, Domestic Terminal T3, Shiers Ave, Sydney Airport NSW 2020
Operating Hours: 24 hours a day, 7 days a week

Victoria Square
Central Market Arcade & Gouger St, Adelaide SA 5000

Melbourne CBD
Level 1, 360 Elizabeth St, Melbourne VIC 3000
Operating Hours: Mon-Sat 7:00am-10:00pm, Sunday 7:00am-9:00pm

Northgate Tasmania
Food Court, 387-393 Main Rd, Glenorchy TAS 7010

Westpac Online

Westpac Online services include personal and business online banking, mobile banking and online investing. The Online Banking service of Westpac Banking Corporation provides fast, secure and easy way to do personal and business banking at one convenient place anytime and from anywhere. It is provided free of any charges and fees to all individuals, and customers can access account transaction and information 24/7. The phone banking service allows customers keep track of their finances and perform banking transaction even while on the go using their internet connected iphone or ipod touch. The online share trading which is provided with an array of investment tools and services allows investors buy and sell on their terms. Customers can freely set up Westpac Netbanking and can enjoy a wide range convenient banking and trading services anytime and anywhere.

Application of home loans, personal loans, margin loan, mortgage, credit cards and gift cards of Westpac are hassle-free with one-stop internet banking service provided by the bank. The online loan and mortgage calculator tool facilitates customers ascertain their eligibility for the offered loan or mortgage product and also facilitates calculate monthly repayment amount. Customers can conveniently open any Westpac account online.

Foreign currency exchange rates and term deposits interest rates can be viewed or checked conveniently online. Should any personal details such as password, address, phone number and email address be changed, Westpac online banking customers can update them securely online.

Westpac Address

Westpac Branch and ATM location address and other details such as BSB code, contact phone number and business hours can be found by using the Branch/ATM Locator tool provided on the Locate Us site of the bank's official website. New Zealanders can find the entire Westpac branch and ATM locations and their addresses in NZ from the Red Pages directory site of the Westpac official website i.e. www.westpac.co.nz/redpages/. To locate banking locations and to find their full details, customers in Australia have to logon to Locate Us site and search by entering suburb or postcode or street address of the searched location, while New Zealanders can simply log on to Red Pages and search by clicking the Area/Region button. Westpac Banking Corporation has branches throughout Australia and New Zealand.

Westpac Australia Address

We provide below some branch and ATM location address of the Westpac Bank in Australia including its head office with their complete mailing address, BSB codes, telephone number and opening times.

Westpac Banking Corporation Registered Head Office Address
275 Kent Street
Sydney, NSW 2000, Australia,
Phone: 132 032
Overseas: (+61 2) 9293 9270
Facsimile: (+61 2) 8253 4128
Swift code: WPACAU2S
Website: www.westpac.com.au

Brisbane Branch Head Office Address
260 Queen St
Brisbane QLD 4000
BSB: 034-002
Phone: (07) 3227-2110
Trading Hours: Mon-Thu 8:30am-4:00pm, Fri 8:30am-5:00pm

Westpac Locations

Westpac Branch, ATM and Teller Machine locations can be found in all cities and towns across Australia and New Zealand. In Australia, Westpac is ranked among the top five banks and is operating one of the largest branch distribution networks in the country. It has an active banking presence in all states and territories- Australian Capital Territory (ACT), Northern Territory (NT), Western Australia (WA), Queensland (QLD), Victoria (VIC), New South Wales (NSW), Tasmania (Tas) and South Australia (SA). Though majority of the branches and ATMs are located in capital cities and major CBD locations such as Sydney, Brisbane, Melbourne CBD, Canberra, Darwin, Adelaide, Hobart, Perth and Newcastle, Westpac also has a number of business locations across several other cities and towns in Australia.

In New Zealand, Westpac ranked the second largest bank in the country, and has full range operating branches and ATMs throughout the country. Its head office location is situated at Takutai Square, Auckland. Customers can find or locate any branch or ATM location of the Westpac in NZ by logging in to the Red Pages directory www.westpac.co.nz/redpages and locate by clicking the area/region or by entering the address or place or name of the searched location.

Westpac Locations in New Zealand

Below we provide some of the branch and ATM locations of Westpac in New Zealand including head office location, with their complete location address, phone number and banking hours:

Westpac New Zealand Head Office Location
Westpac on Takutai Square
16 Takutai Square
Auckland 1010, New Zealand
Swift Code: WPACNZ2W
Website: www.westpac.co.nz

Christchurch
93 Armagh St, Christchurch
Canterbury 8011, NZ
Phone: (03) 3539100
Trading hours: Mon, Tue, Thu and Fri 0900 – 1630, Wednesday 0930 – 1630

Westpac Branches

Westpac Banking Corporation has branches throughout Australia and New Zealand, and in pacific islands, and has offices in key international financial centers including Hong Kong, Singapore, New York, UK and Shanghai. In Australia, Westpac is one of the four largest banks, and the bank operates a network of over 1,400 branches and 2,800 ATMs across the country. In NZ, Westpac is the second largest bank and has branches and ATMs throughout the country catering full range banking services to New Zealanders. The headquarter address of Westpac Bank in Australia is located at Kent Street, Sydney, NSW, and New Zealand head office is located at Auckland, formerly located at Wellington. Customers of the Westpac Bank in both Australia and NZ can find a number of full range banking branches and ATMs across all cities and towns including Brisbane, Adelaide, Melbourne, Darwin, Hobart, Newcastle, Perth, Canberra, Wagga Wagga, Townsville, Wollongong, Fremantle, Auckland, Christchurch, Hamilton and Kingston to list just a few.

Westpac Branches New Zealand

New Zealanders can find Westpac branches and ATMs throughout the country. To mention just a few states and locations, Westpac has branches and ATMs in Gisborne, Eastgate, Glen Eden, Kilbirnie, Manukau, New Brighton, Newtown, Napier, New Plymouth, North Shore, Palmerston North, Porirua, Remuera, St Heliers, Sylvia Park, Timaru, Tauranga, Upper Riccarton, Upper and Lower Hutt, Westgate and many more.

To locate any branch or ATM location and to know their complete location address, BSB codes or branch numbers, phone number and their open hours, customers may log on to Red Pages directory through www.westpac.co.nz/redpages. This Red Pages Directory allows customers find branches, ATM locations, people and contact numbers of Westpac Bank in NZ.

Westpac Perth

Westpac Banking Corporation has an active operation in Perth city and throughout Western Australia providing full range banking services through a large network of branches and ATMs across the state. Its Perth head office tower building is located at St Georges Terrace, Perth WA. One of the Westpac large contact call centre office is also located in Perth, others being located at Brisbane, Launceston and Adelaide. The call centre jobs at Westpac provide a great advantage and perhaps a great entry point to those individual who aspires to build careers at Westpac Banking Corporation.

The Westpac Lifesaver Rescue Helicopter service which is provided by Surf Life Saving WA and supported by Westpac has been providing all kinds of rescue related services throughout the state and the country. It is fully equipped and can help carry out all rescues related services at anytime.

Westpac Perth Branch

Westpac customers can find a number of branches and ATMs in Perth City and throughout WA. Below we provide some branch and ATM locations of the Westpac Banking Corporation in Perth with their complete location address, BSB code, phone number and banking hours.

St Georges Terrace (Westpac Perth Head Office)
109 St Georges Trc, Perth WA 6000
BSB: 036-000
Swift Code/IBAN: WPACAU2S
Phone: (08) 9426-2580
Opening Hours: Mon-Thu 9:30am-4:00pm, Fri 9:30am-5:00pm

Northbridge
116 James St, Perth WA 6000
BSB: 036-004
Phone: (08) 6242-0422
Opening Times: Mon-Thu 9:30am-4:00pm, Fri 9:30am-5:00pm

East Perth
Unit 3, 45 Royal St, East Perth WA 6004
BSB: 036-024
Phone: (08) 6210-1077
Trading Hours: Mon-Thu 9:30am-4:00pm, Fri 9:30am-5:00pm

West Perth
1257-1261 Hay St, Perth WA 6005
BSB: 036-011
Phone: (08) 9413-7766
Opening Hours: Mon-Thu 9:30am-4:00pm, Fri 9:30am-5:00pm

Westpac NSW

Westpac Banking Corporation has a significant presence in NSW offering full range banking products and services through extensive network of branches and ATM locations across the state. The bank provides comprehensive transactional banking services to all NSW Government agencies and also provides purchasing card facilities and customer payment and collection services. Transactional banking services are provided not only to the NSW government alone but throughout Australian states and territories, and the bank is the pre-eminent provider of transactional banking services in the whole of the country. Government agencies from states such as New South Wales, ACT, Tasmania, Victoria, South Australia and Northern Territory can avail a wide range transactional banking products and services provided by the Westpac.

Westpac NSW Branches

Westpac customers in New South Wales can find a number of branches and ATMs of the Westpac Banking Corporation throughout the state. Below we provide some important branch and ATM locations in NSW with their complete location address, BSB code, phone number and trading hours.

Those branches and ATMs that are not found below and in locations such as in Broadway, Griffith, Grafton, Hamilton, St Marys, Narellan, Orange, Paddington, Springwood, Taree, Tamworth, Auburn, Ashfield, Armidale and several others, individuals may log on to the bank's Locate Us site and search using the locator tool by providing suburb or postcode or street name.

Liverpool
Shop 7-8, Liverpool Plaza, 165 Macquarie St, Liverpool NSW 2170
BSB: 032-075
Phone: (02) 8782-0455
Trading Hours: Mon-Thu 9:30am-4:00pm, Fri 9:30am-5:00pm, Sat 10:00am-1:00pm

Belmont
564 Pacific Hwy, Belmont NSW 2280
BSB: 032-510
Phone: (02) 4923-2322
Trading Hours: Mon-Thu 9:30am-4:00pm, Fri 9:30am-5:00pm

Westpac QLD

Westpac has an active banking presence in Queensland (QLD) state, Australia with a large network of branches and ATMs across the state. Anthony Bowden is the current state manager of the Westpac Banking Corporation in the Queensland state. Individuals interested in Westpac Premium Financial Services in QLD can contact the state manager to arrange a meeting with a relationship manager nearest to ones area. The Westpac QLD state manager's contact phone number is (07) 3227 2087 and email address is abowden@westpac.com.au. Westpac also offers a number of jobs and exciting career opportunities in its various branch locations in the Queensland state.

Westpac Bank has contributed significantly during the recent Victoria and Queensland floods and Yasi Tropical Cyclone Premier's Disaster Relief Appeal. This Appeal was set up specifically to help the displaced victims and the affected people of the devastated floods in Victoria and Queensland and Tropical Cyclone in Yasi. Until January 2011, Westpac continued to provide additional support and extend its Disaster Relief Packages for the affected victims in several districts and towns. Besides providing temporary accommodation, clean-up efforts and distributing government emergency cash services, Westpac has also saved several people's life in the high flood-stricken Toowoomba region through its Surf Life Saving Queensland (SLSQ) Westpac Rescue Helicopter in QLD.

Westpac QLD Branches

Below is a list of branch and ATM locations of Westpac Bank in Queensland with their complete mailing address, BSB Code, phone number and banking hours. For more branch and ATMs other than the below listed locations and to find their complete contact details, individuals may log on to the bank's Locate Us site and search by providing suburb or postcode or street name.

Southport
19 Scarborough St
Southport QLD 4215
BSB: 034-215
Phone: (07) 5509-6200
Open Hours: Mon-Thu 9:30am-4:00pm, Fri 9:30am-5:00pm

Springwood
Arndale Shopping Centre, 17-27 Cinderella Dr
Springwood QLD 4127
BSB: 034-076
Phone: (07) 3826-1433
Open Hours: Mon-Thu 9:30am-4:00pm, Fri 9:30am-5:00pm

Browns Plains
24-28 Browns Plains Rd
Browns Plains QLD 4118
BSB: 034-115
Phone: (07) 3802-6777
Opening Hours: Mon-Thu 9:30am-4:00pm, Fri 9:30am-5:00pm

Emerald
Cnr Egerton & Borilla Sts
Emerald QLD 4720
BSB: 034-181
Phone: (07) 4980-3744
Trading Hours: Mon-Thu 9:30am-4:00pm, Fri 9:30am-5:00pm

Westpac Adelaide

Westpac House, which was formerly known as Santos House located in the King William Street, is the head office building of the Westpac Banking Corporation in Adelaide City. Westpac Bank has a significant banking presence in South Australia since 1877, when the bank opened its branch office for the first time in the state. Today, the bank operates a large network of branches and ATMs, over 48 full range banking branches and in-stores throughout the SA state. It employs a total workforce of more than 3,000 people across the state, and has more than 150 employees from the King William Street head office Tower building alone. Job seekers can find a number of job openings and rewarding career opportunities in many banking fields across various branches in the state.

Westpac Adelaide Branch

Westpac customers in the South Australia can find a number of Westpac operating branches and ATM locations throughout the state. For full branch and ATM locations in SA and Adelaide in particular, customers can log on to the bank's Locate Us site and search by entering the suburb or postcode or the street name. We provide below some branch and ATM locations of the Westpac Banking Corporation in SA and Adelaide in particular including head office, with their complete mailing address, BSB code, contact phone number and banking hours.

Westpac Adelaide Head Office
1 King William Street
Adelaide SA 5000
BSB: 035-000
Swift Code: WPACAU2SADE
Phone: (08) 8112-7722
Opening Hours: Mon-Thu 9:30am-4:00pm, Fri 9:30am-5:00pm

Norwood
149 The Parade
Norwood SA 5067
BSB: 035-039
Phone: (08) 8131-3700
Opening Times: Mon-Thu 9:30am-4:00pm, Fri 9:30am-5:00pm, Sat 9:00am-12:00pm

Westpac Brisbane

Westpac Banking Corporation has a large network of branches and ATMs in Brisbane City catering full range banking services to diverse customers in the region. Customers can avail a wide range of financial products and convenient banking services including foreign exchange, business banking advisor, financial advisor, home loan, insurance, internet banking, deposits, cash advances etc. So to help its customers and displaced victims of the devastating Queensland floods, Westpac has also set up a mobile banking centre and temporary branch at Brisbane flood evacuated centre. This has enabled the many affected people to carry out basic banking transactions and assess cash emergency relief cheques that come from the Queensland Government. But now, many of the Westpac branches have reopened for regular banking business in the flood-affected areas.

The Westpac Bank primary Swift Code is WPACAU2S. However, customers in Brisbane have to use WPACAU2SBRI as their Swift Code for any international wire transfer making to Westpac Banking Corporation in Brisbane.

Westpac Brisbane Branches

Westpac customers in Brisbane can assess a number of branches and ATMs across the city. They can visit any branch office for any queries or assistance regarding the bank's products and services. Customers also can make deposit or assess cash advances from the many ATM locations across the city. For convenience, we provide below some branches and ATM locations of the Westpac Bank in Brisbane CBD including branch head office with their complete mailing address, BSB Code, phone number and banking hours.

Westpac Bank Brisbane Branch Head Office
260 Queen St
Brisbane QLD 4000
BSB: 034-002
Phone: (07) 3227-2110
Trading Hours: Mon-Thu 8:30am-4:00pm, Fri 8:30am-5:00pm
ATM Operating Hours: 24 hours a day, 7 days a week

Queen and George Streets
Cnr Queen & George Sts
Brisbane QLD 4000
BSB: 034-000
Phone: (07) 3013-2233
Opening Hours: Mon-Thu 9:30am-4:00pm, Fri 9:30am-5:00pm

Westpac Sydney

Westpac Banking Corp has its headquarters at Sydney with head office address located at Kent St, Sydney, NSW. Besides head office, the bank has a large network of operations in the Sydney City with a number of branches and ATM locations catering wide range financial needs to diverse customers in the region. Customers can find full banking branches and ATMs in almost every corner of the city. Career conscious and job seeking individuals can find a number of jobs and exciting career opportunities in various branch locations in many banking fields.

With four key customer-facing business divisions which include Westpac Personal and Business Banking, Westpac Institutional Bank, St George Bank and BT Financial Group, Westpac offers a comprehensive range of products and services in Australia. The Westpac Institutional Bank is the top provider of foreign exchange services in the whole of the country and has its Global Contacts in Sydney, London, New York and Singapore. Westpac also offers gen insurance and life insurance products with wide range benefit packages. The Westpac Home and Content Insurance product is issued by Westpac General Insurance Limited ABN 99 003 719 319 and is distributed by the Westpac Banking Corporation.

Westpac Sydney Branches

As the Westpac Group is based in Sydney, customers can find branches and ATMs of the bank in large number in its CBD locations. We provide below some ATMs and branch locations of the Westpac in Sydney city including head office, with their complete mailing address, BSB code, phone number and their trading hours:

Westpac Banking Corporation Head Office Address
275 Kent Street
Sydney, NSW 2000, Australia
Phone: 132 032
Outside of Australia: (+61 2) 9293 9270
Facsimile: (+61 2) 8253 4128
Swift Code: Swift code: WPACAU2S

Market Street
Cnr Market St & Clarence St
Sydney NSW 2000
BSB: 032-016
Phone: (02) 9263-6666
Opening Times: Mon-Thu 9:30am-4:00pm, Fri 9:30am-5:00pm

George Street
341 George St Sydney NSW 2000
BSB: 032-000
Phone: (02) 9455-6804
Opening Hours: Mon-Thu 9:30am-4:00pm, Fri 9:30am-5:00pm

Royal Exchange Branch
Cnr Pitt St & Bridge St Sydney NSW 2000
BSB: 032-002
Phone: (02) 9931-5000
Trading Hours: Mon-Thu 9:30am-4pm, Fri 9:30am-5:00pm

King Street
84 King St
Sydney NSW 2000
BSB: 032-003
Phone: (02) 9210-9833
Opening Hours: Mon-Thu 9:30am-4:00pm, Fri 9:30am-5:00pm