Having the right support always makes big decisions easier. Open our DIY Super Solution and we'll give you access to a Relationship Manager that specialises in self managed super. They'll help take the hassle out of running your SMSF plus your everyday banking, so you can focus on making informed choices for your future.

Call us on 1300 131 764 to find out more.

Call us on 1300 131 764

Open a DIY Super Solution

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Our DIY Super solution
DIY Super Solution products and services

1.Westpac DIY Super Working account.

  • An everyday 'hub' account to manage your investments and access your funds on a day-to-day basis, and still earn tiered interest1.
  • No monthly service fees.
  • Tiered interest rate.
  • Online banking.
  • Telephone banking.
  • Branch and cheque access to funds.

2.Westpac DIY Super Savings account.

  • If you're between investments, you can park your surplus funds and earn a competitive interest rate2.
  • No monthly service fees.
  • Competitive interest rates on every dollar.
  • Operate and access via your linked Westpac DIY Super Working account.

3.Westpac Online Investing account.

  • Trade online from $19.95 or for 0.11% of the trade value (whichever is greater) when linked to your Westpac DIY Super Working account.
  • Access to shares, Warrants, Options and more.
  • Trade online, over the phone or via the mobile app.
  • Get the latest research and analysis from Morningstar, Westpac, BT and more.
  • Advanced charts and free live market data.
  • No ongoing monthly service fees.

1. If you close your Westpac DIY Super Working account, you will need to close your linked Westpac DIY Super Savings account and, if applicable, arrange an alternative trading account for your Westpac Online Investing account.

2. To open and operate a Westpac DIY Super Savings account, you must hold Westpac DIY Super Working account and have the accounts linked. Fees may be applied on the Westpac DIY Super Working account.

The big picture.

Once you have your DIY Super Solution set up to meet the everyday finance needs of your SMSF, you may want to consider other products and services Westpac offers that might support your investment strategy.

Investments

Choose from a variety of Fixed Income, Equity and Cash investments that can be linked directly to your Westpac DIY Super Working account.

Property

Take out a SMSF mortgage to invest in residential or commercial properties.

Insurance Products

Benefit from a range of life insurance products that may work tax-efficiently within your DIY Super Solution.

Equities

Choose from a range of SMSF equities solutions to match your market outlook, investment horizon and risk appetite.

SMSF - Self Managed Super Fund. Cash, Fixed Income, Residential Property Investment, Commercial Property, Equities, Insurance, Wrap, Financial Advice, Education, Westpac Alliances.

Cash DIY Super Solution A suite of three products including a DIY Super Working Account, DIY Super Saving Account and Westpac Online Investing to help you manage your day-to-day SMSF investments.
Fixed Income Term Deposit Lock away SMSF funds at a guaranteed rate for a selected term of your choice.
Coupon Select Deposit A tailored term deposit that lets you choose the frequency of interest payments, the start date and whether to receive fixed or floating interest rates or potentially a combination of both.
CPI Plus Deposit A tailored term deposit that pays a guaranteed fixed rate above the inflation rate, e.g. CPI + 3.5%.
Inflation Linked Deposit A tailored term deposit that features an interest rate which is directly linked to inflation. The interest rate increases with inflation, which may help protect the real value of your interest income.
Residential Property Investment Variable Rate Investment Property Loan
Fixed Rate Investment Property Loan 		Funds the purchase of an investment property through a limited recourse loan.
Commercial Property Investment Bank Bill Business Loan / Business Loan Funds the purchase of a business or commercial property through a limited recourse loan, with the option of a fixed or variable interest rate.
Equities Westpac Online Investing A quick and cost effective way to invest online in shares, options, warrants ETFs, managed funds, IPOs and more.
BT Managed Accounts Managed Accounts can provide SMSF trustees with direct exposure to a professionally managed portfolio of Australian shares, listed property and managed funds. All administration and comprehensive tax reporting is performed by a team of experts.
Self Funding Instalment (SFI) Warrants An ASX listed investment that lets you borrow to invest in the share market within an SMSF without margin calls.
Protected Equity Loan Borrow to invest in selected ASX-listed securities over the medium term, with capital protection at maturity of up to 100% and no margin calls.
Insurance Life Insurance Access Death Cover, Total and Permanent Disability Cover and Salary Continuance Insurance via your SMSF.
Landlord Insurance Protect your investment property against damage or theft by tenants.
Wrap BT Portfolio Wrap A single point of access to a range of investment options such as managed funds, term deposits, ASX listed securities and insurance.
Financial Advice Westpac Financial Planners Westpac has qualified Financial Planners trained and accredited to advise on Self-Managed Superannuation Funds.
Education Davidson Institute Westpac's Davidson Institute provides financial and business education courses, seminars and online learning for SMSF trustees, designed to improve your SMSF knowhow.
Fund Administration Westpac Alliances Westpac has informed alliances with professional, specialist administration firms that can assist you with the running and compliance obligations of your SMSF.

Fees and charges apply. Please refer to westpac.com.au for more information.

Every dollar works harder in our Working and Savings accounts. Thanks to competitive interest rates that are calculated daily and paid monthly. There are no monthly account service fees or balance restrictions and you can access your funds 24/7 via Online Banking and Personal or Business Telephone Banking.

Current standard variable interest rates p.a.
DIY Super Working account DIY Super Savings account
$0 - $9,999 0.25% p.a. 3.20% p.a.
$10,000 - $49,999 3.00% p.a. 3.20% p.a.
$50,000 - $99,999+ 3.00% p.a. 3.20% p.a.
Current standard fees per transaction
Fees DIY Super Working account DIY Super Savings account
Free Monthly Withdrawal Allowance3 Unlimited self-service Westpac Online and Telephone Banking electronic transactions only Unlimited self-service Westpac Online and Telephone Banking electronic transactions only
Transaction Fees (charge per transaction when free withdrawal allowance is exceeded)
Telephone Banking (staff assisted) $2.50 N/A
Cheque Withdrawals3 $1.00 N/A
Direct Debits $0.25 $5.004
Branch Staff-Assisted Withdrawals $2.50 $5.004
Periodical Payment (additional fees apply for Periodical Payments made by Bank Cheque and International Periodical Payments) NIL NIL
Telephone Banking (automated) Free Free
Westpac Online Banking Free Free

1. If you close your Westpac DIY Super Working account, you will need to close your linked Westpac DIY Super Savings account and, if applicable, arrange an alternative trading account for your Westpac Online Investing account.

2. Based on when we process the withdrawal to your account, which may be on a date after the day on which you make the withdrawal.

3. Available to customers over the age of 18 years old. Card access is not available on the DIY Super Working or Savings accounts.

4. These channels are not allowed on DIY Super Savings, if they are used, a $5.00 transaction fee will apply.

For a full list of Westpac Online Investing rates and fees click here.

For a full list of rates and fees for all other listed products please refer to westpac.com.au.

Things you should know:

1. If you close your Westpac DIY Super Working account, you will need to close your linked Westpac DIY Super Savings account and, if applicable, arrange an alternative trading account for your Westpac Online Investing account. 2. To open and operate a Westpac DIY Super Savings account, you must hold a Westpac DIY Super Working account and have the accounts linked. Fees may be applied on the Westpac DIY Super Working account. 3. Based on when we process the withdrawal to your account, which may be on a date after the day on which you make the withdrawal. 4. Available to customers over the age of 18 years. Card access is not available on the DIY Super Working or Savings accounts.

Information is current as at 4 February 2013. This information provides an overview or summary only and it should not be considered a comprehensive statement on any matter or relied upon as such. This information does not take into account your personal objectives, financial situation or needs and so you should consider its appropriateness having regard to these factors before acting on it. You should seek independent financial, legal and tax advice before acting on this information. This brochure does not constitute an offer, or a solicitation of an offer, to subscribe for or purchase any securities or other financial instrument; is not an invitation to invest; is not an offer for finance; does not constitute an offer, inducement or solicitation to enter a legally binding contract; and is not to be construed as an indication or prediction of future results. Any reference to taxation matters is a general statement only and should only be used as a guide. It does not constitute tax advice and is based on current tax laws and their interpretation. Westpac and its financial planners are not qualified to give tax advice. The individual situation of investors may differ and investors should seek independent professional tax advice on any taxation matters.

The Westpac DIY Super Working and Westpac DIY Super Savings accounts, are issued by Westpac Banking Corporation ABN 33 007 457 141 Australian Credit Licence and AFSL 233714 (Westpac) an authorised deposit-taking institution under the Banking Act 1959 (Cth). Westpac Online Investing through Westpac Securities Limited ABN 39 087 924 221 AFSL 233723 is a service provided by Australian Investment Exchange Ltd ABN 71 076 515 930 AFSL 241400, a participant of the ASX Group. The DIY Super Working account, DIY Super Savings account, Westpac Online Investing, Westpac Self Funding Instalments, Term Deposits, Coupon Select Deposits, CPI Plus Deposits, Inflation Linked Deposits and Term Deposit Account are issued by Westpac. Managed Accounts products and services are offered by Westpac RE Limited ABN 80 000 742 478 AFSL 233 717. Westpac SMSF Investment Property Loan (retail) and SMSF Business Loan and SMSF Bank Bill Business Loan - Normal credit criteria and fees and charges apply, Credit provider is Westpac.

You should consider the disclosure documents and terms and conditions relating to each of these products before making any decision to invest, as well as Westpac's Financial Services Guide. These are available at www.westpac.com.au or by calling 131 817.

BT Protections Plans area issued by Westpac Life Insurance Services Limited ABN 31 003 149 157, AFSL 233728. (Insurer) The issuer for all products, except for Term Life as Superannuation and Policies paid via SuperWrap, is the Insurer. BT Portfolio Services Ltd ABN 73 095 055 208 (BTPS) operates BT Portfolio Wrap (Wrap). Westpac is not responsible for bringing Wrap to you. Its role is limited to distributor only. An IDPS Guide is available for Wrap and can be obtained from your Westpac Financial Planner. You should obtain and consider the IDPS Guide before deciding whether to acquire, continue to hold or dispose of interests in Wrap. BTPS is a subsidiary of Westpac. Apart from any interest investors may have in underlying bank accounts held at the Bank through a Wrap Cash Account or in Westpac securities acquired through Wrap, an investment in, or acquired using, Wrap is not an investment in, deposit with or any other liability of Westpac or any other company in the Westpac Group. These investments are subject to investment risk, including possible delays in repayment of withdrawal proceeds and loss of income and principal invested. Westpac and its related entities do not stand behind or otherwise guarantee the capital value or investment performance of any investments in, or acquired through, Wrap. Fees and charges apply. Full details of terms and conditions are available on request.

Westpac Financial Planners are representatives of Westpac.

© 2013 Westpac Banking Corporation ABN 33 007 457 141. Australian credit licence and AFSL 233714.