13 12 21
Phone enquiries are available 8am to 7pm, weekdays and
9am to 3pm, Saturday.
Our offices are open Monday to Friday from 9am to 5pm.
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 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 13 years of age to apply for a Visa Debit card.
Find out more about transaction accounts
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.
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 and go to 'Self Service' then 'SMS Balance' 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.
There are now thousands of ATMs across Australia that offer free access to your account. Check the screen carefully when using a machine to see if you will be charged a fee or not before proceeding with your withdrawal.
The easiest way to avoid ATM fees is to use only ATMs that don't charge a fee. 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 contact us today to get you started.
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 email@example.com 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’ (for example, 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.
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 time frame.
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 $1,000 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 .
For purchases exceeding $100 you can still use your Visa payWave-enabled card by entering your PIN to authorise the transaction or insert card and enter your PIN.
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, Bunnings 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.
Sending money to loved ones? Need to pay for something from abroad? Well, here’s some great news. From now until 30 June 2017, when you use American Express Foreign Exchange Services to make a money transfer of foreign currency equivalent to AUD $1,000 or more, you’ll not only get a fast, secure way to transfer funds – you’ll also earn a $20 Coles Myer gift card.
Teachers Mutual Bank has partnered with American Express to offer you a variety of foreign currency services so you have the confidence of security and convenience when sending and receiving money from overseas.
A fee of $25 applies to foreign currency telegraphic transfers and $40 for AUD telegraphic transfers.
A Telegraphic Transfer (TT) allows you to electronically send funds directly into your beneficiary’s account in a specified currency. TT’s are the preferred method to make large value international payments as they are processed quickly, cost-effectively and securely in over 100 currencies.
You can choose for the funds to be either in Australian dollars or the currency of the destination country (note some restrictions may apply*). Please note that TT’s are not immediate—they can take anywhere between 2-5 working days to arrive, depending on the country.
To arrange for a TT complete the Telegraphic Transfer form before printing and posting, faxing or emailing to us.
Send money overseas
An incoming overseas deposit allows you to receive foreign currency into your account that is then converted into Australian dollars (AUD). Receiving foreign currency from an overseas account is easy.
The overseas financial institution can use one of two intermediaries to transfer the deposit to your Bank account.
To start the process, Teachers Mutual Bank members can simply visit the American Express Portal, complete the online form and then send the information provided to your payment sender.
The Inward Currency and Account Details document contains all the information you need to receive an incoming telegraphic transfer.
You may also receive money from overseas using CUSCAL’s service. CUSCAL will not accept funds transferred from overseas directly to themselves, therefore your funds will need to be processed through an intermediary bank. You may be able to nominate either an intermediary bank of your own choosing, or CUSCAL’s preferred intermediary bank, NAB. Fees and Charges apply.
CUSCAL, 1 Margaret Street Sydney NSW 2000 Australia
Your member number
Your full name
Teachers Mutual Bank Limited
CUSCAL's preferred intermediary bank is NAB. Swift Code NATAAU3303M.
Please be aware that CUSCAL take a $6.42 fee, from incoming TT's from the amount you receive from overseas. The Sending Bank and the Intermediary Institution are able to deduct a processing fee for international transfers. 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.
Contact us from overseas
*See Terms and conditions. Please note that telegraphic transfers (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.
Get up to $300 in Gift Cards—Terms and Conditions
This incentive offer is calculated per transfer, it is not cumulative, and is limited to three transactions per person between 1 December 2018 and 28 February 2019. The transfer must be from a selected list of foreign currency into Australia in order to receive the incentive. Selected foreign currency includes USD, EUR, GBP, CAD, DKK, FJD,HKD, JPY, NZD, NOK, PGK, SGD, ZAR, SEK, CHF, THB. Local currency transfers are not included.
This offer is only open to members of Teachers Mutual Bank Limited who complete an American Express Incoming Telegraphic Transfer. The remitting party of the member/customer must complete the Incoming Telegraphic Transfer transactions of AUD$1,000 or above from 1 December 2018 and 28 February 2019 to qualify to receive a Digital Gift Card. Completed transactions between AUD$1,000 and AUD$1,999 receive a AUD$20 Digital Gift Card, completed transactions between AUD$2,000 and AUD$4,999 receive a AUD$50 Digital Gift Card and completed transactions over AUD$5,000 receive a AUD$100 Digital Gift Card. A maximum of 3 qualifying transactions per member of Teachers Mutual Bank Limited will be eligible to receive 3 Digital Gift Cards.
Please allow 6 weeks from 28 February 2019 for Digital Gift Cards to be forwarded to the email address listed in your account. The Digital Gift Cards are managed by a third party vendor, Edge Loyalty. Teachers Mutual Bank Limited will issue a voucher code which must be validated in accordance with the instructions provided, following which a Digital Gift Card may be redeemed from the list of retailers we select for participation. These currently include David Jones, Myer, Woolworths, Ticketmaster, iTunes, Coles and Rebel. Digital Gift Cards issued by Edge Loyalty are subject to the terms and conditions of Edge Loyalty and the Digital Gift Card terms and conditions of the selected retailers as set out at the time of issue. The Digital Gift Card must be taken as stated and no compensation will be payable if the person is unable to use the Digital Gift Card as stated. Digital Gift Cards, including any unused portion, are not replaceable, exchangeable or redeemable for cash or other goods or services or used to pay or offset any transactions with American Express FXIP. Digital Gift Card validity varies depending on the selected retailer. Please check the Digital Gift Card for expiry. The Digital Gift Card cannot be transferred to any other person. Please contact Edge Loyalty on 1300 737 968 or at firstname.lastname@example.org for further information.
For further information, please refer to the Telegraphic Transfers Product Disclosure Statement (PDS).
Telegraphic Transfers 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 for outgoing transfers.
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.