Telephone banking

Terms and conditions.

Using the Telephone Banking service means that you, together with the account owner (if this is not you), have accepted the following Terms and Conditions as amended from time to time. These are in addition to the Standard Terms and Conditions.

Download our Telephone Banking Terms and Conditions PDF 172KB

1. You are responsible for keeping your telephone PIN secure and agree:

  • Not to keep a written record of your telephone PIN
  • Not to keep your telephone PIN in a form that can be easily identified as a PIN
  • Not to voluntarily disclose your telephone PIN to any other person
  • Not to negligently or recklessly disclose your Telephone Banking PIN
  • Not to allow any other person to see your PIN when you enter it or when it is displayed(e.g on a telephone display) and you must make sure it is not retained on any device.
  • to change any Telephone Banking PIN, or notify the bank, immediately, if you become aware that your Telephone Banking PIN has or may become known to someone else.

2. For security reasons, you must ensure your Telephone Banking PIN does not resemble your four-digit PIN used for ATM and EFTPOS transactions.

3. You and the account owner are jointly and individually responsible for all actions, claims, costs, expenses, losses and liabilities suffered by you, the account owner, and/or the Bank (to the extent permitted by law) that are in any way related to the use of the Telephone Banking service if the service is accessed by you or any other person using your Telephone Banking PIN.

4. The Bank may determine the order of priority in which payments are made from your and/or the account owner’s account(s) and the Bank will not be responsible for ensuring that sufficient funds are available or making payments in the event that there are insufficient funds in your or the account owner’s account(s).

5. The Bank is not responsible for:

  • Any dispute between you and a merchant
  • Any losses caused by occurrences beyond our control, including where you cannot use the Telephone Banking service due to machine or communication line failure
  • Any losses which arise where you have acted negligently or have acted fraudulently, either alone or together with any other person(s)

The Bank may as part of its security procedures, record and retain telephone instructions.

Customers should also be advised to contact the Bank immediately if they discover any unusual transactions on their accounts, or suspect that they have had their PINs or passowrds compromised, or their banking cards or chequebooks stolen.