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Promotion starts 19 December 2020 9:00 AM AEDT and closes 25 January 2021 11:55 PM AEDT. Entry to the Promotion is open to Australian residents in all eligible states/territories who fulfil the method of entry requirements/eligibility requirements. Prize is one of twenty $500 gift card vouchers. Entrants can win a maximum of one prize in the Promotion. Prize draw 10.00am 1 February 2021. Winners will be notified via Email or Phone by 3 February 2021 and published Authorised under SA Permit No. T20/1525 and ACT Permit No. TP 20/01730. For full T&C’s refer to

Qudos Mutual Limited trading as Qudos Bank ABN 53 087 650 557 AFSL/Australian Credit Licence 238 305. | BSB 704 865 has engaged Western Union Business Solutions (Australia) Pty Limited (ACN 150 129 749; AFSL 404092) (“WUBS”) to assist it in fulfilling certain foreign exchange and payment services, including telegraphic transfers. The relationship relating to the services (other than drafts) described is solely between you and Qudos Bank Limited. WUBS does not give you any advice (general, personal or otherwise). Any advice provide to you is given by Qudos Bank Limited. Western Union Business Solutions is a business unit of the Western Union Company. Fees and charges and terms and conditions apply. Qudos Bank has a revenue share arrangement with WUBS. Please see Qudos Bank’s Financial Services Guide and Fees & Charges brochure before you decide whether or not this financial product is right for you. Any advice is general in nature and does not take account of your personal objectives, financial situation or needs. Because of that, you should, before acting on the advice, consider its appropriateness to your circumstances.