Disclosure documents

Financial Services Guides

A Financial Services Guide (FSG) describes the financial services offered by, and important information about, a financial services licensee. Westpac Banking Corporation holds an Australian Financial Services Licence (AFSL) AFSL 233714, and an Australian Credit Licence (ACL) ACL 233714 (effective 1 March 2011). St.George Bank is a division of Westpac Banking Corporation.

St.George FSG - Banking Services

Credit Guide

A Credit Guide (CG) provides important information about a licensee’s obligations in relation to consumer lending products regulated by the National Credit Code. Effective 1 March 2011, Westpac holds an Australian Credit Licence (ACL) No. 233714.

Banking Code of Practice

The Banking Code of Practice sets the standards of practice and service in the Australian banking industry. The Code applies to individual and small business customers, as well as their individual guarantors. More information about the Code can be found here.

Other disclosure documents

In addition to FSGs and the Credit Guide this website also contains other disclosure documents such as prospectuses, product information statements (PIS), annual reports and product offerings, Product Disclosure Statements and Product Terms and Conditions.

Retail payment service availability disclosure documents

Read quarterly reports detailing the reliability of the seven retail payment services you might use with us.

General Insurance 

Home and Contents Insurance Product Disclosure Statements

Home and Contents Insurance (applicable to policies with an effective date on or after 12 December 2021 or policies renewed on or after 22 November 2021)

Premium, Excess, Discount and Options Guide (PED)

Home and Contents Insurance (applicable to policies with an effective date in the period 20 August 2021 to 11 December 2021 or renewed in the period between 5 October 2021 and 21 November 2021)

Home and Contents Insurance (applicable to policies with an effective date in the period 1 July 2021 19 August or renewed in the period 1 July 2021 - 4 October 2021)

Home and Contents Insurance (applicable to policies issued or renewed with an effective date in the period 5 April 2021 and 30 June 2021)

Home and Contents Insurance (applicable to policies issued or renewed with an effective date in the period 1 July 2019 and 4 April 2021)

A target market determination has been made for this product. Please visit https://www.stgeorge.com.au/tmd for the target market determination.

 

Landlord Insurance Product Disclosure Statements

Landlord Insurance (applicable to policies with an effective date on or after 12 December 2021 or policies renewed on or after 22 November 2021)

Premium, Excess, Discount and Options Guide (PED)

Landlord Insurance (applicable to policies with an effective date in the period 20 August 2021 to 11 December 2021 or renewed in the period between 5 October 2021 and 21 November 2021)

Landlord Insurance (applicable to policies with an effective date in the period 1 July 2021 19 August or renewed in the period 1 July 2021 - 4 October 2021)

Landlord Insurance (applicable to policies issued or renewed with an effective date in the period 5 April 2021 and 30 June 2021)

Landlord Insurance (applicable to policies issued or renewed with an effective date in the period 1 July 2019 and 4 April 2021)

A target market determination has been made for this product. Please visit https://www.stgeorge.com.au/tmd for the target market determination.

 

Home and Contents and Landlord Insurance Key Facts Sheets (KFS)

Key Facts Sheets (KFS):

Home Building KFS

Home Contents KFS

Landlord Building KFS

Landlord Contents KFS

Car Insurance

Car Insurance Product Disclosure Statement (PDS)

Premium, Excess, Discount and Options Guide (PED)

Caravan & Trailer Insurance

Caravan and Trailer Insurance Product Disclosure Statement (PDS)

Life Insurance

BT Protection Plans Product Disclosure Statement (PDS) (PDF 959KB)

Life Insurance - Product Update - August 2021 (PDF)

A target market determination has been made for Protection Plans products. Please visit stgeorge.com.au/tmd for any of our target market determinations.