13 12 21
Phone enquiries are available 8am to 7pm, weekdays and
9am to 3pm, Saturday.
Our offices are open 9am to 5pm, weekdays.
BPAY® is a convenient bill paying service available using phone and internet banking. You can pay over 17,000 bills, schedule payments in advance plus, receive and view your bills in internet banking using BPAY View™. BPAY View™ allows you to receive and pay bills online from participating suppliers.
Find out what bills you can pay with BPAY
You do not need to register to use BPAY®, all you need is your BPAY® Biller Code and Reference number (both can be found near the BPAY® logo on your bills).
To get started, log into internet banking and go to Payments and Transactions from the toolbar, then choose BPAY.
Have you ever lost a bill? Perhaps you’ve missed a payment. Why not register for BPAY View™. This allows you to receive and manage your bills online. BPAY View™ is a rewarding service that takes BPAY® to the next level, allowing your bills and statements to be viewed and paid from within internet banking. Say goodbye to paper bills!
BPAY’s Intelligent Customer Reference Number (iCRN) functionality enables organisations to only accept payments that are payable by a certain due date or for a fixed amount or both (i.e. Insurance, licences, fines). This applies to Billers who are identified as iCRN Billers where bill payments are required by a certain due date or for a fixed amount or both (i.e. Insurance, licences, fines). iCRN billers identify themselves in the BPay section of your bill.
The iCRN functionality reduces the risk of errors or penalties and can eliminate scenarios where you think that you have paid for a product or service but find out later that the payment is not valid due to paying an incorrect amount or making the payment after the due date (e.g. purchasing or renewing insurance policies). Some organisations have a legal or compliance requirement to receive payment by a certain date or for a certain amount and iCRN reduces the risk associated with these payment collections.
If you require any further information about your particular payment requirements, please contact your Biller directly.
Some billers use different Customer Reference Number (vCRN) for each bill or different types of bills. Please ensure you always use the customer reference number as shown on the individual bill you are paying. Also, please note that as of 15 January 2012, you cannot set up recurring scheduled payments with a biller who uses variable reference numbers (vCRN), this is to minimise risks associated with scheduling payments to an incorrect reference number.
You will still be able to use your saved biller details, however the vCRN will need to be entered manually each time.
A Visa Debit card is a great way to access your own funds in your transaction account. You can use it anywhere in Australia and worldwide where Visa is accepted. It even has built in chip card technology for additional security.
A daily withdrawal limit of up to $1,000 applies to cash withdrawals, EFTPOS and Bank@Post.
You need to be over 18 years of age to apply for a Visa Debit card.
Find out more about transaction accounts
Finding a rediATM is easy. With thousands of big red ATMs around Australia, rediATMs are easy to find. Download the Teachers Mutual Bank app to do your banking anytime and anywhere - you can also use it to find the closest rediATM. Go to the App Store or iTunes and search for 'TM Bank'. Also available for Android phones on Google Play. Alternatively visit our Find an ATM page or download the free ‘rediATM Finder’ Android or iphone app.
You can change your PIN at selected rediATMs, if you see the 'change PIN' option on the screen after you've entered your PIN. If it has no stated operator, it means that the 'change PIN' option is available on that ATM. However, if the rediATM is operated by NAB or Bank of Queensland, the 'change PIN' option is unavailable.
Find your nearest ATM
Call 13 21 40, available 24/7.
All your phone banking needs are just a phone call away. Whether you want to check your account balances, pay a bill, activate your card, or redraw from your loan in advance - you just need to follow 3 easy steps.
Call 13 21 40 and follow the prompts:
Then key in your member number followed by a hash (#).
Then key in your telephone access code followed by a hash (#).
Your account balances will be automatically advised.
(1) For savings account balances
(2) For the last five transactions
(3) To activate a Visa
(4) For personal cheques presented
(5) For term deposit balances
(1) To use BPAY®
(2) For loan redraws
(3) Transfer funds within your member number or to another previously nominated member number (You must be registered to transfer to another member number.)
(4) To transfer funds from a previously nominated bank account at another financial institution (You must be registered for this service.)
(1) For loan balances
(2) For loan redraws (You must be pre-registered for a loan redraw facility to use this function.)
(1) To change your telephone access code
In the main menu options 1 - 5 you can:
Once your become familiar with phone banking you can key ahead immediately after you have entered your access code and a hash (#).
To confirm transactions, press 1.
There are convenient and simple ways to make deposits into your account.
Bank@Post™ is an easy and secure banking service available at over 3,200 Australia Post offices around the country. It’s a great option for members who can’t make it into our offices.
With the Bank@Post service, using your Visa Debit card, you can:
We have a special arrangement with National Australia Bank where you can:
If you want your account balance immediately you can send us an SMS and we will reply with your balance. It’s that easy.
To get started, you need to register – you can do this within internet banking or by completing an Phone banking services request. Once registered you simply text the word
‘BAL’ to 0417 13 12 21 and a free text message will be sent to your mobile.
To request balances for any of your other accounts simply add the account type as outlined below:
You can link a cheque book to your Everyday account or Everyday Direct account. To apply for a cheque book, complete a cheque book application.
Get a cheque at our branches: Bank cheques are available immediately over the counter at our branches or they can be mailed to you.
Order a cheque via mail: To order a bank cheque to be mailed to you, please complete and send us a bank cheque application.
If you need a cheque urgently, order a National Australia Bank (NAB) bank cheque through us and collect it at a NAB branch near you. NAB bank cheques must be ordered through us.
To compare the cost of TMB and NAB cheques, please view our costs and fees. To request a NAB bank cheque, complete an application.
You have unlimited rediATM and NAB ATM transactions every month. The rediATM and NAB ATM network is one of Australia's largest ATM networks and has more than 3,000 ATMs in rural, regional and metro locations across Australia.
The easiest way to avoid ATM fees is to use only rediATM and NAB ATMs. If you must use another ATM to withdraw cash think about how much you might need for the next couple of days rather than just for today - withdrawing larger amounts less often will help reduce fees.
When you are shopping, withdraw cash at the same time as this avoids the need to get cash out at an ATM. You have unlimited EFTPOS transactions so make the most of them.
There are many ways you can pay for things that don’t involve cash. Think about using EFTPOS at the point of purchase with your Visa Debit card or rediCARD (for members aged under 18 years of age).
Pay all of your bills electronically. Use our free internet and phone banking services to set up regular direct debits and BPAY.
For the cost of an SMS you can get your balance at any time anywhere. Simply SMS the word ‘BAL’ to 0417 13 12 21 and a text message will be sent to your mobile phone with the balance of your S1 Everyday Account. To request balances for any of your other accounts simply add the account type using the example below:
Our internet and phone banking services are free. Use them to transfer money, pay bills via BPAY, check your balances – plus much more. If you are not registered complete the Internet banking services form or call us today to get you started.
Find out more about online banking
Let us help you select an account now. How you like to transact will determine which of our two Everyday accounts best suits you.
If the thought of switching banks gives you a headache, we’ve got great news. At Teachers Mutual Bank, switching is as easy as 1.2.3.
We have a selection of accounts designed to offer the flexibility you need to create a simple budgeting solution to help you shop, pay bills and save. You can open as many accounts as you want and, with no hidden fees and great rates, you’ll find just what you need. You can also open additional accounts within internet banking. Consider depositing your pay into your Teachers Mutual Bank account. Complete a Deposit your pay form and we can do it for you.
We can act on your behalf to transfer your regular payments such as direct debits (gym memberships or utility bills) and direct credits (salary or dividends) to your Teachers Mutual Bank account from another bank or financial institution.
All you have to do is:
We send you the regular payment list so you can decide which direct debits or credits you would like to move across. You provide authority that you’re happy for us to contact the relevant organisations to update your bank details; and we do the rest.
Each organisation will notify you when your banking details have been updated. This may take up to 3 weeks.
To cancel a regular payment, complete a Direct debit cancellation form for each payment and we’ll do the rest.
Return the forms to us by scanning your completed and signed forms and email them to firstname.lastname@example.org or mail to Reply paid 7501, Silverwater NSW 2128
Consider closing your accounts with your old bank or financial institution to avoid being charged any fees. We can help you do this too. Complete the Authority to close account.
Don't forget that the regular payments list does not include ‘pay anyone’ (eg: monthly gardener), BPAY or recurring payments where you have supplied your debit or credit card number. You can identify these in internet banking by reviewing your personal payees or BPAY list. Then we can help you re-establish online.
If you need help to switch to Teachers Mutual Bank, call 13 12 21 8am to 7pm, weekdays or 9am to 3pm, Saturday.
Find out more
The clearance times will vary, depending on the channel used:
Yes, when multiple cheques are deposited above a certain limit, cheque clearance times will apply to the proceeds of the first cheque deposit that takes the cumulative cheque total over the threshold amount. Any cheque deposits made after the threshold amount on the same business day will also have clearance times applied.
Yes, cheque clearance times apply to cheques deposited in savings, investment and loan accounts.
Yes, all cheques are subject to a clearance timeframe.
We have introduced cheque clearance times in order to minimise the risk of fraudulent activity as well as to reduce the number of overdrawn accounts due to dishonour charges.
This is also one of the ways we continually work to ensure the security of our members' assets, and ultimately to provide our members with strong and stable banking services. By reducing this risk, we are able to continue to provide products and services that make us more than a bank.
The changes came into effect Monday, 25th July 2011.
Business days are from Monday to Friday (inclusive). Public holidays and weekends are not considered business days.
No, Teachers Mutual Bank does not apply a clearance time to cash deposits.
Cheque clearance will apply to the cheque components at Teachers Mutual Bank offices and Bank@Post only if the cheque amount is over the threshold amount.
We recommend using separate deposit slips for cash and cheques rather than a single deposit slip. This is because NAB will process it as a single deposit when only one slip is used.
A Visa Debit card enables you to use your own money to make purchases online, overseas, over the phone and with a merchant wherever Visa is accepted. The same card also gives you access to Australian and international ATMs where the Visa PLUS logo is displayed.
You must be 13 years of age or older to apply for a Visa Debit card.
You can apply for a card by:
• Calling 13 12 21
• At any of our Offices
• Completing the Visa Debit card application. This form can be sent to us by post or fax.
You will receive a Visa Debit card and a PIN number within 4-6 business days.
You can activate your Visa Debit card in Internet Banking or Phone banking
Phone banking is accessible by calling 13 21 40 and is available 24/7. Internet banking is available via the login button above.
Yes. You can choose to have an additional card/s issued to family members or any other persons, providing they are over 13 years of age. The additional card/s operates in the same manner as your primary card and you will be responsible for their usage. Apply for an Additional Visa Debit card
Yes. Phone banking is accessible by calling 13 21 40 and is available 24/7. Internet banking is available via the login button above.
When the Visa Debit card is used at an EFTPOS terminal, members have the option of either selecting the savings option which is great for withdrawing cash with your purchase, or selecting the credit option. The credit option will still access your own funds.
Yes. Visa payWave is a new contactless method of payment. It is a simple, secure and quick payment method for transactions up to $100. The technology enables cardholders to ‘tap’ their card on a contactless POS terminal to make transactions up to $100, rather than ‘swiping or dipping’ their card into POS terminals.
A Visa Debit card allows you to pay for your purchases using your own money through the Visa network. A Visa credit card provides you with a ‘credit limit’ which can be utilised and repaid at a later date.
Unlike the Visa credit card, the Visa Debit card does not have an overdraft facility (unless you apply for an overdraft) and there are no interest charges payable (unless you overdraw).
Yes. To use EFTPOS, the Visa Debit card can be used in the same manner as a rediCARD, where the savings option is selected and your PIN is keyed in when paying for purchases.
Yes. For a new or additional card, the card will be sent to you in the mail after you receive your PIN.
If you are replacing a damaged card or renewing an existing card, the PIN number will remain the same.
Yes. The Visa Debit card is accepted at more than 24 million locations worldwide. You can also make withdrawals from ATMs where the Visa PLUS logo is displayed. This can help avoid carrying large portions of cash (withdrawal fees apply).
Yes. Whether you are using a magnetic stripe or chip card, we strongly recommend that you know your PIN before travelling overseas. If you do not know your PIN, please contact us on 13 12 21.
If your card is lost, stolen or you believe it may have been compromised, you must advise us immediately.
If you experience any difficulties with the above numbers, you can place a collect call through your local operator from overseas, to the 24/7 Visa Global Customer Assistance Service through the local operator on +1 303 967 1090.
Yes. A card replacement fee is payable when a card is damaged, captured, lost or the PIN is forgotten.
If you are overseas when your card is lost, stolen or damaged, you can contact Visa Global Customer Assistance to request an emergency card. The cost for this service is $150.
A replacement card and a new PIN number (if applicable) will be mailed to you separately within 7 business days.
You can continue to use your existing card until the last day of the month stated e.g. if the expiry date is 11/16 the card will expire on 30 November 2016. A renewal card will automatically be issued during the expiry month and your PIN number will remain the same.
If you do not receive your new card by the 21st of the month in which your card expires, please call us on 13 12 21.
Yes all new, renewal and replacement Visa Debit cards are issued with chips in line with the global standards for card security.
Yes. Visa Debit card gives you all the convenience of access to the worldwide Visa network, enabling you to make purchases online or over the phone, like booking tickets or paying a bill.
To make internet, phone or mail orders it is as simple as quoting your card number and expiry date in addition to the CVV number (this is the three digit code located on the back of your card to the right of the signature panel), if requested.
Yes. You can set up recurring transactions to other organisations like insurance or car repayments to be charged to your card.
To set up a recurring transaction with other organisations, you must provide them with your 16 digit card number and expiry date, and advise the card type is Visa.
As an additional security measure some organisations may require you to provide a CVV number (this is the three digit code located on the back of your card to the right of the signature panel).
The daily ATM withdrawal limit is $1,050 per card or $1,000 per card for EFTPOS. If pressing the credit option, your daily available limit is the balance of your Everyday or Everyday Direct account.
Verified by Visa is a free service to ensure you are protected while shopping online with your card at participating merchants. All cards are automatically protected.
The Visa Easy Payment Service has been designed to increase transaction speed and cardholder convenience by eliminating the need for cardholders to enter a PIN when making a Visa card transaction of $35 or less at participating merchants.
Yes, you can make use of the Visa Easy Payment Service with any Visa credit, Debit or prepaid card issued by any Australian or international financial institution.
You are unable to choose as the Visa Easy Payment Service is chosen by the merchant. If a retailer has implemented the service, Visa Easy Payment Service will not prompt you for a PIN.
The Visa Easy Payment Service is highly secure and similar to existing Visa card security measures. Each Visa Easy Payment Service is still electronically authorised by us at the time of purchase, hence subject to checking, which is the same case as a normal Visa card transaction.
If you lose your Visa card, we advise that you report it to us immediately. By doing so, you will be entitled to all Visa card protections as provided by Teachers Mutual Bank, including Zero Liability.
Reporting a card lost or stolen will also enable us to cancel the card, hence limiting fraudulent transactions.
The Visa Easy Payment Service makes card purchases even faster and easier by eliminating the need to enter a PIN when making a transaction of $35 or less at participating retailers.
The retailer will only need to provide a receipt upon your request, which again will increase the speed of the transaction.
With payWave, you don't need to swipe or dip your card, and the transaction limit is up to $100.
Visa payWave is a new contactless method of payment - the latest evolution in Visa payments. It is a simple, secure and quick payment method for transactions up to $100. The technology enables cardholders to ‘tap’ their card on a contactless POS terminal to make transactions up to $100, rather than ‘swiping or dipping’ their card into POS terminals.
The cards have a tiny antenna embedded into the chip which securely transmits payment instructions to and from a specially adapted card terminal.
payWave cards feature a distinctive contactless markand POS terminals for payWave cards will also feature a contactless symbol .
We have introduced Visa payWave on our Visa Debit card so that our members can make quick and easy transactions. By introducing new and innovative products and features, we can ensure that our members have access to the latest features and benefits on their Visa Debit card.
Visa Debit cards will be issued to our members when:
You can make payWave transactions by holding your card within 5cm of the secure contactless reader. Four green lights will appear. This takes no more than half a second. You can then remove your card and the transaction will be complete. You can choose to have a receipt, but this is optional.
Your Visa payWave card still has all the regular features of a non-payWave card, so you can still ‘swipe or dip’ your card.
You can use your Visa payWave-enabled card at any retailer displaying the contactless symbol at the point of sale in Australia and overseas.
Some of the retailers who accept payWave functionality include Woolworths, Big W, Dick Smith, Dan Murphy, McDonald’s, Bunning’s Warehouse, JB Hi-Fi, IGA, ANZ Stadium and FoodWorks.
A Visa payWave-enabled card is a quicker and more convenient way to pay with the following benefits:
payWave functionality has been available since Monday, 4 July 2011 for Visa Debit cards.
No, they are not the same. Visa Easy Payment Service allows merchants to accept Visa Debit cards and Teachers Credit Cards without requiring a PIN for transactions under $35. The Visa Easy Payment Service transaction is performed in the standard way by ‘swiping or dipping’ the card. The service is designed to increase transaction speed and cardholder convenience, whilst reducing cash handling and operating costs for merchants.
The major differences between payWave and Visa Easy Payment Services are summarised in the below list:
Easy Visa Payment Services:
The option to elect a non-payWave card is not available as all new and renewal cards will be automatically issued with payWave. However, you have the option to not use the payWave functionality. You can still choose to ‘swipe or dip’ your card using a PIN even if a payWave contactless terminal is available.
Unfortunately, the option to choose is not available for members. However, there are many benefits associated with using payWave card in terms of ease of payment and its convenience. You can still choose to use your card in the way you are most comfortable with – whether by payWave, PIN.
All payWave Visa cards carry Visa’s Zero Liability Policy, which ensures that you are not responsible for unauthorised transactions in the rare instances they occur. If you suspect any unauthorised charges on your card, please call us immediately.
Yes, you can use your payWave card wherever the contactless symbol is displayed in Australia or overseas. The Visa payWave-enabled card can be used for traditional transactions at millions of locations worldwide wherever the Visa logo is displayed, including over the internet, telephone or via mail order.
Yes, you can still use your payWave card, as the card’s chip and magnetic stripe also allows the card to be used in the same way a traditional Visa card is used, by using a PIN.
No, you do not need to make any selection as Visa payWave transactions are automatically routed through the credit button.
payWave is the name of this technology for Visa cards, whereas PayPass is for MasterCard.
Yes, you can use payWave cards on PayPass terminals.
No, Visa payWave terminals are designed to only make one transaction per card at a time. All Visa payWave terminals are tested and certified to confirm that a card is only read once, before the transaction is concluded. As a safeguard, each transaction must be complete or void before another one can take place.
The transaction is confirmed by illumination of four green indicator lights and a display message confirming that the transaction has been successful.
Yes, the transaction information is secure because Visa payWave platform is based on secure EMV chip technology which provides both data protection and transaction security via the use of keys and the latest encryption technology. Transactions are processed through the same, reliable payment network as magnetic strip and chip transactions.
The security features of Visa payWave enabled cards include:
In addition, cardholders remain in control of their cards during the entire transaction, further reducing the risk of fraud.
Visa payWave-enabled cards are just as secure as your current Visa Debit card and carry the same multiple layers of security protection, including Zero Liability, which ensures members are not responsible for fraudulent or unauthorised transactions. The card never leaves your hands when making transactions, which reduces the risk of fraud.
No, but if you would like to get cash out, you can obtain cash via the ATM or EFTPOS network using the payWave card.
This policy is Visa’s guarantee that Visa cardholders will not have to bear any liability for an unauthorised transaction, which includes transactions done through theft of the card or card fraud.
You are protected by this policy when you do the following:
Visa's Zero Liability policy covers Australian and New Zealand-issued cards and does not apply to ATM transactions, transactions not processed by Visa or certain commercial card transactions. Cardholders should notify their issuer promptly of any unauthorised Visa use. Please consult your issuer for additional details.
You should review your monthly statement and report any fraudulent activity as soon as possible, as there is a reasonable time period as to when you can make a claim on fraudulent activity that has taken place.
Yes, you can request a Visa Debit payWave card prior to the expiry of your existing card – however, a replacement card fee will apply. The same card number and PIN will be issued. You will be automatically issued with a Visa Debit payWave card in the case of a lost or stolen card, where you will be issued with a new card number and PIN.
Only minimal account and information is stored on a Visa payWave card, which is no more than traditional magnetic stripe cards or contact chip cards. Teachers Mutual Bank Visa payWave cards do not transmit the cardholder name or other personal details such as address or contact details, hence such information cannot be accessed by unauthorised methods.
The card contains an embedded chip that uses advanced cryptographic security to generate a unique code for each and every transaction. So if a criminal attempts to use intercepted data to manufacture a counterfeit card, the bank that issued your card would be able to identify and prevent the transaction.
Telegraphic transfers are a secure and convenient way to send or receive electronic funds directly into an overseas account. The funds are deposited into the nominated bank account generally within 3 working days.
You can choose for the funds to be either in Australian dollars or the currency of the destination country (note some restrictions may apply*). The countries we can telegraphic transfer funds to can change, call 13 12 21 9am to 5pm, weekdays to ensure your destination is available.
Send money overseas
* Please see Terms and conditions. Please note that TT’s are sent via a network of correspondent banks, which sometimes levy a small handling charge on your payment. Any such fees, and payment delays, are out of our control.
If you are:
As 1CUSCAL will not accept funds transferred from overseas directly to themselves, your funds will need to be processed through an intermediary bank. You must advise the sending financial institution that it is necessary to forward the payment via an intermediary bank. It is the prerogative of the overseas sending financial institution to nominate an intermediary bank. Neither Teachers Mutual Bank nor CUSCAL may determine this. If the overseas financial institution does not nominate an intermediary, however, you may be able to nominate either an intermediary bank of your own choosing, or CUSCAL’s preferred intermediary bank, NAB.
The intermediary bank will charge a processing fee, which may be deducted from your payment. Depending on the circumstances, such as the location of the sending financial institution and its commercial arrangements, processing via more than one intermediary bank may be necessary.
Once the funds arrive at the intermediary bank, the funds are then converted to Australian dollars (if need be) and forwarded to CUSCAL. This is the reason that CUSCAL and their swift code CUSCAU2SXXX is to be placed on the paperwork. It is so that the intermediary bank can forward the funds to CUSCAL. Please note again, the sending bank is not to send the funds directly to CUSCAL. Once CUSCAL receive the funds, they will forward the monies to Teachers Mutual Bank. CUSCAL will recognise the BSB 812-170 as belonging to Teachers Mutual Bank and once the funds arrive at Teachers Mutual Bank, they are promptly deposited to your account. Please be aware that CUSCAL take a $6.21 fee, from the amount you send, for processing this payment. The Sending Bank and the Intermediary Institution are able to deduct a processing fee for international transfers.
The Transfer normally takes 1-4 business days depending on the individual financial institution.
If any part of the instruction is missing or incorrect, the payment may be automatically rejected or returned to the sending bank.
It is sender’s responsibility to trace the funds from the sending bank. Due to the privacy regulation, Teachers Mutual Bank are unable to perform this duty.
An intermediary bank relationship is established between financial institutions who agree to provide deposit and/or initiate payments on behalf of another bank that may not have a local banking presence. It is also known as a correspondent bank.
A single payment may involve multiple banks to deliver the funds to the beneficiary, especially when they are outside Australia. Each bank in the payment chain will assess fees for processing the funds transfer. These fees must be allocated either to the beneficiary or the sender/remitter.
If the funds have not been returned to the sending bank, the sender can request a search, by the sending bank, on these funds via the Swift system.
A bank draft is a cheque issued in a foreign currency, it can only be deposited into the account of the person the draft is made payable to, making it safe and secure. Cheque clearance times may apply when depositing cheque(s) to overseas banks.
A bank draft is available in a wide range of currencies - including Australian dollars. We recommend a draft in the destination country’s currency to avoid additional exchange rate fees or delays at the other end. Call 13 12 21 9am to 5pm, weekdays to check if your destination country’s currency is available.
You can either collect from our offices, American Express Foreign Exchange Services office (usually available within 5 working days) or have it sent by courier to your school or business address within Australia. Contact us first to confirm it has arrived.
Order a bank draft
1 Cuscal is Australia's leading provider of transactional banking, liquidity and capital management products and superannuation solutions to more than 150 specialist financial services institutions across Australia. They provide clients access to Australian capital markets, payment systems, card schemes, inter-institutional settlement arrangements, and is one of the nation's largest ATM networks.
Telegraphic Transfers (TT’s) are arranged through American Express International Inc. (ABN 15 000 618 208 AFSL No.237996). Incorporated with limited liability in Delaware USA. ®Registered Trademark of American Express Company. A Product Disclosure Document can be requested at tmbank.com.au or by calling 13 12 21 8am to 7pm, weekdays or 9am to 3pm, Saturdays or from any of our offices. The information contained in this document has been prepared without taking into account your objectives, financial situation or needs. You should read the PDS and consider the appropriateness of Telegraphic Transfers in relation to your individual requirements. Please note currency conversion rates change according to market conditions. A fee of $25 applies to foreign currency TT’s and $40 for AUD TT’s.
Bankdrafts are arranged through American Express International Inc. (ABN 15 000 618 208 AFSL No.237996). Incorporated with limited liability in Delaware USA. ®Registered Trademark of American Express Company. A Financial Services Guide or a Draft Information Booklet can be requested at tmbank.com.au or by calling 13 12 21 8am to 7pm, weekdays or 9am to 3pm, Saturdays or from any of our offices. The information contained in this document has been prepared without taking into account your objectives, financial situation or needs. You should read the booklet and consider the appropriateness of bank drafts in relation to your individual requirements. A fee of $10 applies to foreign currency bank drafts and $15 for AUD bank drafts.