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DIY Super - Westpac

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					DIY Super                                                                                                                                               Page 1 / 6




                                                                                              PHONE 132 032                 Apply now
Essentials
A DIY Super solution designed specifically for self-managed super funds (SMSF's)
3 accounts working together to meet the everyday financial needs of your SMSF:

     Transact when you need to through the DIY Super Working account, and earn tiered interest
     Save any additional funds into the DIY Super Savings account and earn a competitive flat interest rate on the full
     balance
     Trade from $19.95 on shares and securities with Westpac Online Investing when linked to your DIY Super
     Working account

You can open the DIY Super solution in the one location, saving you time, plus:

     Receive competitive interest rates, calculated daily and paid monthly
     No monthly account service fees or account balance restrictions
     24/7 access to all accounts via Online Banking and Personal or Business Telephone Banking
     Ability to add on extra products such as a Term Deposit, SMSF Investment Property Loan or Insurance

Did you know?

You can earn interest on your surplus SMSF funds when you park them in a Westpac DIY Super Savings account.

Things you should know




http://www.westpac.com.au/personal-banking/bank-accounts/Self-managed-supperannuation-accounts/diy-superannuation/

This information does not take your circumstances into account. Read the relevant Product Disclosure Statements or other disclosure documents before making a decision.
Unless otherwise specified, the products and services described on this website are available only in Australia from Westpac Banking Corporation ABN 33 007 457 141
AFS Licence No. 233714. Conditions and fees apply.

                                                                                                                                              14:04:47 04/04/2011 EST
DIY Super                                                                                                                                               Page 2 / 6




Features
The DIY Super solution is made up of a suite of 3 accounts, which makes it easy to take control of your super future
and investments.

DIY Super Working account
Acting as a transaction 'hub' account, the Westpac DIY Super Working account lets you access your funds on a
day to day basis. Not only can you transfer funds to your Westpac DIY Super Savings account and Westpac Online
Investing, you can also manage your other super investments. You'll also earn tiered interest on your everyday funds
while they are in the Westpac DIY Super Working account. Access your funds via:

     Online Banking
     Personal or Business Telephone Banking
     Any of our branches.

You can transact on your Westpac DIY Super Working account in almost all the same ways you would any bank
account:

     BPAY
     Periodical payments
     Cheques
     Transfers to and from your Westpac DIY Super Savings account
     Transfers to Westpac Online Investing to purchase shares and other securities
     In person at any of our branches.

There is no card facility available on your DIY Super Working account.

DIY Super Savings account
If you're between investments, make the most of your surplus SMSF funds by parking them in the Westpac DIY Super
Savings account.

When you choose to invest in something else, you simply transfer the amount you need back to your Westpac DIY
Super Working account and transact from there.

There's no minimum or maximum balance and you earn a flat interest rate on the full balance of your DIY Super
Savings account, making every super dollar count.

Westpac Online Investing
Whether you're new to investing or looking for more sophisticated trading strategies, we've got the tools to keep you
in control.

     Trade from $19.95 when linked to your DIY Super Working account
     Access shares, CFDs, options and more
     Trade online, over the phone, or via the mobile app
     Get the latest research and analysis from Morningstar, Westpac, BT and others
     Advanced charts using live market data
     No ongoing monthly service fees. Buy and sell any ASX-listed security.




http://www.westpac.com.au/personal-banking/bank-accounts/Self-managed-supperannuation-accounts/diy-superannuation/

This information does not take your circumstances into account. Read the relevant Product Disclosure Statements or other disclosure documents before making a decision.
Unless otherwise specified, the products and services described on this website are available only in Australia from Westpac Banking Corporation ABN 33 007 457 141
AFS Licence No. 233714. Conditions and fees apply.

                                                                                                                                              14:04:47 04/04/2011 EST
DIY Super                                                                                                                                               Page 3 / 6




Optional Extras
There may be other super options you would like to consider. We have a range of products that can help, allowing
you to structure your super investments to perform at their very best.

     Term Deposits - the certainty of a fixed investment rate for a fixed term.
     Super Fund Investment Property Loans - you may be able to use your SMSF to help you purchase a residential
     investment property
     Insurances - from death benefits to income protection, we're sure to have an option that's right for you.

Support
You don’t need to know it all yourself

There are rules and regulations around super and planning for your retirement. You can find out more on the ATO
website.

It can be intimidating to think you need to know it all yourself. We have Westpac Financial Planners that can assist
you to find the right strategy for your SMSF.

You can contact a Westpac Financial Planner by calling 1300 130 272 or make an appointment

Online Investing
If you have questions about your Online Investing account, you can get the answers you need by:

     Visiting the website https://onlineinvesting.westpac.com.au/
     Calling our Online Investing specialists on 13 13 31

Things you should know




http://www.westpac.com.au/personal-banking/bank-accounts/Self-managed-supperannuation-accounts/diy-superannuation/

This information does not take your circumstances into account. Read the relevant Product Disclosure Statements or other disclosure documents before making a decision.
Unless otherwise specified, the products and services described on this website are available only in Australia from Westpac Banking Corporation ABN 33 007 457 141
AFS Licence No. 233714. Conditions and fees apply.

                                                                                                                                              14:04:47 04/04/2011 EST
DIY Super                                                                                                                                               Page 4 / 6




Fees


     Fees                                                Westpac DIY Super Working                            Westpac DIY Super Savings1

     Monthly Service Fee                                 Nil                                                  Nil

     Minimum Monthly Balance to avoid                    N/A                                                  N/A
     Monthly Service Fee 2

     Free Monthly Withdrawal Allowance 3                 Unlimited self-service Westpac Online                Unlimited self-service Westpac Online
                                                         and Telephone Banking electronic                     and Telephone Banking electronic
                                                         transactions only                                    transactions only

     Transaction Fees (charge per
     transaction when free withdrawal
     allowance is exceeded)

     Telephone Banking (automated)                       Free                                                 Free

     Telephone Banking (staff assisted)                  $2.50                                                N/A

     Westpac Online Banking                              Free                                                 Free

     EFTPOS                                              N/A                                                  N/A

     Cheque Withdrawals4                                 $1.00                                                N/A

     Direct Debits                                       $0.25                                                N/A

     Branch Staff-Assisted Withdrawals                   $2.50                                                $5.00

     Periodical Payment (additional fees                 $0.25                                                N/A
     apply for Periodical Payments made
     by Bank Cheque and International
     Periodical Payments)

Things you should know
1. To operate Westpac DIY Super Savings, customers must hold a Westpac DIY Super Working Account. Fees may apply on the Westpac DIY
   Super Working Account.
2. If you make a deposit after the last business day of the month, that deposit will be included in the minimum monthly calculation for the
   following month.
3. Based on when we process the withdrawal to your account, which may be on a date after the day on which you make the withdrawal.
4. Available to customers over the age of 18 years old.
     Card access is not available on the DIY Super Working or Savings accounts.
     For more information on fees that may be applied on your Westpac Online Investing account, please visit Westpac Online Investing.




http://www.westpac.com.au/personal-banking/bank-accounts/Self-managed-supperannuation-accounts/diy-superannuation/

This information does not take your circumstances into account. Read the relevant Product Disclosure Statements or other disclosure documents before making a decision.
Unless otherwise specified, the products and services described on this website are available only in Australia from Westpac Banking Corporation ABN 33 007 457 141
AFS Licence No. 233714. Conditions and fees apply.

                                                                                                                                              14:04:47 04/04/2011 EST
DIY Super                                                                                                                                               Page 5 / 6




Rates
Standard variable interest rates p.a. for DIY Working and Savings accounts


                                                         DIY Super Working account                            DIY Super Savings account

     Online Investing                                                     $19.95                                              N/A


     $0-$9,999                                                            0.25%                                               5.00%


     $10,000 - $49,999                                                    3.50%                                               5.00%


     $50,000 - $99,999                                                    3.50%                                               5.00%


     $100,000 - $499,999                                                  4.50%                                               5.00%


     $500,000+                                                            4.75%                                               5.00%


     Calculated Daily                                                     Yes                                                 Yes


     Payment Frequency                                                    Monthly                                             Monthly


Things you should know
     Interest is calculated daily on the closing balance of your account and credited to your account on the last business day of each month.
     Rates are current as at 21 February 2011 and are subject to change at any time.
     For tiered interest we may need to add additional disclosure, which is outlined in the Terms and Conditions.




http://www.westpac.com.au/personal-banking/bank-accounts/Self-managed-supperannuation-accounts/diy-superannuation/

This information does not take your circumstances into account. Read the relevant Product Disclosure Statements or other disclosure documents before making a decision.
Unless otherwise specified, the products and services described on this website are available only in Australia from Westpac Banking Corporation ABN 33 007 457 141
AFS Licence No. 233714. Conditions and fees apply.

                                                                                                                                              14:04:47 04/04/2011 EST
DIY Super                                                                                                                                               Page 6 / 6




Links
     http://www.westpac.com.au/personal-banking/bank-accounts/Self-managed-supperannuation-accounts/diy-
     superannuation/diy-super-apply/
     Adobe Acrobat Reader
     http://get.adobe.com/reader/
     ATO website
     http://www.ato.gov.au/corporate/content.asp?doc=/content/00246296.htm
     Deposit Accounts for Personal Customers - Terms and Conditions (PDF 469kb)
     http://www.westpac.com.au/docs/pdf/pb/PersonalAccountsPDS.pdf
     DIY Super product brochure (PDF 1mb)
     http://www.westpac.com.au/docs/pdf/pb/DIY_Super_Product_Brochure.pdf
     https://onlineinvesting.westpac.com.au/
     https://onlineinvesting.westpac.com.au/
     make an appointment
     https://forms.westpac.com.au/Forms/single_page_forms.nsf/f_appointmentInvestSuper?OpenForm&referrer=http
     %3A%2F%2Fwww.westpac.com.au%2Fpersonal-banking%2Fbank-accounts%2FSelf-managed-
     supperannuation-accounts%2Fdiy-superannuation%2Fdiy-super-features%2F%3Fview%3DStandard
     online PDF conversion tools
     http://www.adobe.com/products/acrobat/access_onlinetools.html




http://www.westpac.com.au/personal-banking/bank-accounts/Self-managed-supperannuation-accounts/diy-superannuation/

This information does not take your circumstances into account. Read the relevant Product Disclosure Statements or other disclosure documents before making a decision.
Unless otherwise specified, the products and services described on this website are available only in Australia from Westpac Banking Corporation ABN 33 007 457 141
AFS Licence No. 233714. Conditions and fees apply.

                                                                                                                                              14:04:47 04/04/2011 EST

				
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