© 2019 Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714. WBCCCARF 1219 Page 3 of 3
Card Autopay Request.
Direct Debit Request Service Agreement
This Direct Debit Request (‘DDR’) Service Agreement is issued by Westpac Banking Corporation to help you understand
your rights and responsibilities when making automatic credit card repayments by direct debit (‘drawing arrangements’).
Our Commitment To You
• We will give you at least 14 days’ notice in writing of any changes to the terms of the drawing arrangements, sent to
the preferred email or address you have given us in the Direct Debit Request;
• We will keep all information relating to your financial institution account (‘the nominated account’) confidential, except
where required for the purposes of conducting direct debits with your financial institution or in connection with claims
made on us relating to an alleged incorrect debit;
• If you have made a payment onto your card that places your card into credit or results in a zero balance at the direct
debit due date, no direct debit transaction will take place. If, however, you make an additional payment into your card
account, that still leaves a debit balance on your card at the direct debit due date, your drawing arrangements for the
month may change, so that your account does not go into credit.
Your Commitment To Us
• You will ensure that your nominated account can accept direct debits. If you are uncertain about this please check
with the financial institution where your account is held;
• Check your nominated account details against a recent statement before completing the Direct Debit Request;
• You will ensure that there are sucient cleared funds available in the nominated account to meet each drawing on
the due date. We may cancel this Direct Debit Request (amongst other reasons) if you do not have enough cleared
funds available in your nominated account after two consecutive attempts, and we may charge you reasonable costs
incurred by us on account of there being insucient funds;
• You need to let us know as soon as possible if the nominated account is transferred or closed, or your account details
change;
• If your direct debit arrangements are cancelled for any reason, you need to arrange an alternative method of making
your repayments;
• Please ensure that the Direct Debit Request form is signed in accordance with the signing authority for the account to
be debited.
Can You Change The Direct Debit Arrangements?
• Any changes that you would like to make are subject to the Conditions of Use of your card account(s) and the terms
and conditions of your nominated account. You can provide your instructions for these changes by calling us on
1800029749 during business hours;
• You need to give us seven (7) business days notice before the opening date that will appear on your next statement
(i.e. the date in the box below “Statement From”) for altering the repayment amount or repayment cycle;
• You need to give us seven (7) business days notice before the direct debit due date to change the account details
from which the funds are being drawn from;
• You need to give us two (2) business days notice before the direct debit due date for either of the following:
— Stopping an individual drawing;
— Cancelling the drawings completely
• If you consider that a direct debit repayment has been initiated incorrectly, or if you don’t understand any aspect
of the direct debit procedure, you should contact us on 1300 651 089. Alternatively you can contact the financial
institution where your nominated account is held for assistance;
• You may also stop an individual payment or cancel your Direct Debit Request by contacting the financial institution
where your nominated account is held.
Other Information
• If your due date for drawing from your nominated account falls on a weekend or a National Public Holiday, we will
automatically debit your nominated account on the next business day. If you are uncertain as to when a debit will be
processed from your nominated account, please check with the financial institution where your account is held;
• If your financial institution cannot withdraw the nominated amount from your account (for example there’s not enough
money in your account) it may dishonour the withdrawal. Please check the terms and conditions of your nominated
account to see whether dishonour fees apply.
• If Card Autopay is not set up before 11pm AEST/AEDT on the statement issue date, it won’t take eect until the
following statement.
• If you request a change to an existing card Autopay after 11pm AEST/AEDT on the statement issue date, the change
won’t take eect until the following statement.
• If you report a dispute or unauthorised transaction to us on or close to the payment due date shown on the Card
Account Statement, Autopay may still automatically apply a payment for the relevant amount to your Card Account.
Ifthe dispute or unauthorised transaction is resolved in your favour, you will not be liable for the relevant amount.
Customer copy – Please retain for future reference