Terms and Conditions

Deposit Accounts

The following documents all together form the Terms and Conditions that govern your account and should be read together.

Separately, for use of the Newcastle Permanent app for iPhone or Android, the relevant Banking App Terms also apply.

The Product Schedule (below) applicable to your account
Deposit Account Terms and Conditions (155kb) - 27 June 2024
- Supplementary Terms and Conditions - Deposit Account Terms and Conditions (32kb) – 27 November 2024
Account Access Terms and Conditions (252kb) - 31 October 2023
- Supplementary Terms and Conditions - Access Account Terms and Conditions (32kb) – 27 November 2024

Everyday Banking Product Schedule (including Everyday Account & Special Monthly Interest Account) (52kb)

Savings Product Schedule (including Smart Saver Account, Smart Saver Account for Under 25s & Online Savings Account) (48kb)

Term Deposit Account (41kb)

Important Information about Mortgage Loans and Home Equity Loans (110kb) (including our Credit Guide (71kb)) - 22 January 2024
Important Information about Credit Facilities (92kb) - 31 October 2023
Account Access Terms and Conditions (252kb) - 31 October 2023
- Supplementary Terms and Conditions - Access Account Terms and Conditions (32kb) – 27 November 2024
Loan Schedule (issued separately with loan offer)

Important Information about Personal Loans (111kb) – 6 June 2024
Account Access Terms and Conditions (225kb) – 31 October 2023
- Supplementary Terms and Conditions - Access Account Terms and Conditions (32kb) – 27 November 2024
Loan Schedule (issued separately with loan offer)

Foreign Currency and International Services Schedule (36kb)

The following documents all together form the Terms and Conditions that govern your Value+ Credit Card and should be read together.

Conditions of Use for Value+ Credit Cards (set out in Part 2 of the Important information about Value+ Credit Cards (306kb) booklet dated 6 June 2024)
Account Access Terms and Conditions (225kb) – 31 October 2023
- Supplementary Terms and Conditions - Access Account Terms and Conditions (32kb) – 27 November 2024
Value+ Credit Card Schedule (issued separately)
Client Direct Debit Request Service Agreement Terms

Osko, PayID and PayTo Customer Terms - 8 April 2025

The purpose of a Target Market Determination (TMD) is to describe who a product is appropriate for (the target market), and any conditions around how the product can be distributed to customers.

We’re required to have Target Market Determinations under the Treasury Laws Amendment (Design and Distribution Obligations and Product Intervention Powers) Act 2019.

If you require a previous version of a TMD or a TMD for a product no longer available please contact us.

Can't find what you're looking for? Refer to the Products no longer available for sale.

The following documents together form the Terms and Conditions that govern your account and should be read together.

Business Accounts:

Part 1 - Terms and Conditions for Business Accounts (143kb) - 27 June 2024
- Supplementary Terms and Conditions - Business Accounts Part 1 (72kb) – 26 November 2024
Part 2 - Business Accounts Schedule (149kb) - 4 July 2024

The following documents together form the Terms and Conditions that govern your investment account and should be read together.

Investment Accounts:

Deposit Account Terms and Conditions (225kb) - 27 June 2024
- Supplementary Terms and Conditions - Deposit Account Terms and Conditions (32kb) – 27 November 2024
Account Access Terms and Conditions (225kb) - 31 October 2023
- Supplementary Terms and Conditions - Access Account Terms and Conditions (32kb) – 27 November 2024

Investment Product Schedules:

Term Deposit Account (80kb)

If you are registered for Business Internet Banking, refer to Terms and Conditions for Business Accounts above.

Business+ Credit Card Conditions of Use (148kb) - 6 June 2024
Letter of Offer (issued separately)

Standard Commercial Terms (91kb) - 15 March 2024
Letter of Offer (issued separately)

Osko, PayID and PayTo Customer Terms - 8 April 2025

The purpose of a Target Market Determination (TMD) is to describe who a product is appropriate for (the target market), and any conditions around how the product can be distributed to customers.

Newcastle Permanent is required to have Target Market Determinations under the Treasury Laws Amendment (Design and Distribution Obligations and Product Intervention Powers) Act 2019.

Business Products:

Club Account Target Market Determination (TMD) (37kb)
Business Cash Management Account Target Market Determination (TMD) (37kb)
Business Cheque Account Target Market Determination (TMD) (37kb)
Solicitor’s Trust Account Target Market Determination (TMD (37kb)
Real Estate Trust Account Target Market Determination (TMD) (37kb)

The following documents outline the Licence Agreement & Terms and Conditions for Newcastle Permanent banking app.

Banking App Terms and End User Licence Agreement for Apple Devices
Banking App Terms and End User Licence Agreement for Android™ Devices
Account Access Terms and Conditions (225kb) – 31 October 2023
- Supplementary Terms and Conditions - Access Account Terms and Conditions (32kb) – 27 November 2024

Newcastle Permanent "State of Origin Round 3 Party 2025” Promotion - Terms and Conditions

The State of Origin Round 3 Party Competition commences 12 May 2025 and will remain open until 22 June 2025. Terms and Conditions are available here.

Newcastle Permanent “Inactive Survey Competition 2025” Promotion - Terms and Conditions

The Inactive Survey Competition commences 1 March 2025 and will remain open until 31 December 2025. Terms and Conditions are available here.

Newcastle Permanent Everyday Cashback Offer

The Everyday Cashback Offer commences 24 February 2025 and will remain open until withdrawn – Click here.

Newcastle Permanent “Survey Competition 2025” Promotion - Terms and Conditions.

The Survey Competition commences 1 January 2025 and will remain open until 31 December 2025. Terms and Conditions are available here.

Newcastle Permanent Online Cashback Offer - Terms and Conditions.

The Online Cashback Offer commences 17 July 2024 and will remain open until withdrawn. Terms and Conditions are available here.

Newcastle Permanent 'Purchase a new Home & Contents, Landlord or Comprehensive Motor policy and get a $150 eGift card' Offer - Terms and Conditions

This Offer was available from 17 February 2025 to 13 April 2025. Terms and Conditions are available here.

Newcastle Permanent Cinema under the Stars 'Golden Ticket' VIP Experience Promotion - Terms and Conditions.

Cinema under the Stars 'Golden Ticket' VIP Experience Promotion commenced 2 October 2024 and closed on 13 March 2025. Terms and Conditions are available here.

Newcastle Permanent “Survey Competition 2024” Promotion - Terms and Conditions.

The Survey Competition commenced 1 January 2024 and closed on 31 December 2024. Terms and Conditions are available here.

Newcastle Permanent Register to Win and Save Promotion - Terms and Conditions.

Register to Win and Save Promotion was available 2 August 2024 and and closed on 31 October 2024. Terms and Conditions are available here.

Newcastle Permanent 'Purchase a new Home & Contents, Landlord or Comprehensive Motor policy and get a $150 eGift card' Offer - Terms and Conditions

The Offer was available from 26 June 2024 to 7 August 2024. Terms and Conditions are available here.

Newcastle Permanent Online Refi Cashback Offer - Terms and Conditions.

The Online Refi Cashback Offer commenced 21 August 2023 and closed on 17 June 2024. Terms and Conditions are available here.

Newcastle Permanent 'Purchase a new Home & Contents, Landlord or Comprehensive Motor policy and get a $150 eGift card' Offer - Terms and Conditions

The Offer was available from 9 October 2023 to 10 December 2023. Terms and Conditions are available here.

Newcastle Permanent ‘Pay Your Way to the FIFA Women’s World Cup 2023™ Finals’ Promotion - Terms and Conditions

The Promotion was available from 8 May 2023 to 16 June 2023. Terms and Conditions are available here.