Changes to PayTo Agreements

Interest rate announcement: Following the RBA’s decision to change the official cash rate, interest rates for owner-occupier and investor variable loans will increase by 0.25%, effective 15 October 2026. From 15 October 2026, deposit rates across the majority of savings products will also increase by 0.25%. Find out more.

Monday 5 October: We've updated our Savings Accounts and Payment Services Terms and Conditions to reflect the retirement of barcode deposit books and to improve the clarity of certain terms. Learn more.

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FAQs

What happens if the business/merchant makes changes to the PayTo Agreement?

You will need to authorise any changes to the PayTo agreement initiated by the business or merchant.

If you don’t authorise the changes, the PayTo agreement will expire and no action can be taken.

The merchant who set up the PayTo agreement will be informed.

Depending on the merchant's processes, they may contact you regarding this.

To authorise changes, go to: View agreement details > Click ‘Authorise changes’ or ‘Decline changes’ > Click ‘Yes’

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Acknowledgment of country

We respectfully acknowledge the Traditional Custodians of all the lands on which we live and work, and we pay our respects to Elders past and present. We recognise their continued connection to the land, waters and culture and we acknowledge that sovereignty has never been ceded. Our head office is located on the land of the Wurundjeri Woi Wurrung people of the Kulin Nation in Victoria.

We are an equal opportunity employer that celebrates the diversity, equity and inclusion of all people.

What happens if the business/merchant makes changes to the PayTo Agreement?

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