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Terms of Use

Disclosure Statement

XYLO Foreign Exchange is a division of Westpac Banking Corporation, ABN 33 007 457 141, Australian Financial Services Licence 233714.

General Terms and Conditions for all Users:

1.1 The website ("this website") is owned and operated by XYLO Foreign Exchange, a division of Westpac Banking Corporation (hereafter referred to as "XYLO Foreign Exchange"). To the extent that general advice is provided on this website, it is provided by XYLO Foreign Exchange.

1.2 If, where general advice is being given on this website, the circumstances or context do not clearly indicate which one or more of the above entities is giving the advice, the advice is taken to be given by XYLO Foreign Exchange.

1.3 Your access to this website is subject to these Terms and Conditions, the XYLO Foreign Exchange Privacy Policy, notices, disclaimers any other terms and conditions or other statements contained on this website, and, if you use any of the services identified on this website for which additional or alternative terms and conditions are referred to, those additional terms and conditions for those other services (referred to collectively as "Terms of Use"). By accessing, viewing or otherwise using this website, you agree to be subject to these Terms of Use.

1.4 XYLO Foreign Exchange may, at its sole discretion, vary or modify these Terms of Use without notice. Any subsequent access to, or use by you of the website will constitute an acceptance of those modifications.

1.5 You agree that where XYLO Foreign Exchange is required, by law or otherwise, to provide you with a document, you consent to the provision of that document electronically through the links on this website or via email, adhering to the XYLO Foreign Exchange Privacy Policy. We suggest that you print a copy of the document, or file it electronically, for future reference.

1.6 By accessing this website, you acknowledge you have received and read our Product Disclosure Statement and the Westpac Retail and Business Banking Financial Services Guide, Credit Information and Privacy Statement.

Australian investors only:

1.7 Unless otherwise stated expressly, products and services referred to on this website are only available to Australian Residents for the purposes of Income Tax Assessment Act holding a bank account domiciled in Australia. To the extent you are no longer an Australian resident or your circumstances change then, notwithstanding anything to the contrary in this Agreement or in any non-disclosure, confidentiality or similar agreement between the XYLO Foreign Exchange and You, You hereby consent to the disclosure of information by XYLO Foreign Exchange to and between its head office, branches, Affiliates, subsidiaries, agents and third parties (including any swap or trade data repositories, any relevant regulators or any service providers), wherever situated, on a confidential basis for the performance of this Agreement and other purposes in connection with XYLO Foreign Exchange's regulatory, operational and/or business requirements (including credit analysis, trade reporting and central clearing). You acknowledge that disclosures made pursuant hereto may include, without limitation, the disclosure of trade information including your identity (by name, address, corporate affiliation , identifier or otherwise) to any swap or trade date repository by any one or more systems operated by any trade repository and/or any relevant regulators to whom disclosures are required to be made and that such disclosures could result in certain swap anonymous transaction and pricing data becoming available to the public. You further acknowledge that, for the purposes of complying with regulatory reporting obligations, XYLO Foreign Exchange may use a third party service provider to transfer trade information into a trade repository and that a trade repository may engage the services of a global trade repository regulated by one or more governmental regulators. For the avoidance of doubt, to the extent that applicable non-disclosure, confidentiality, bank secrecy or other law imposes non-disclosure requirements on transaction and similar information but permits a party to waive such requirements by consent, the consent provided herein shall be a consent by You for purposes of such other applicable law.

Disclosure documents:

1.8 XYLO Foreign Exchange currently offers the products named on this website. The offers are identified in the disclosure documents (which include Product Disclosure Statement, where applicable). To transact, please complete the Registration form provided through the appropriate link or by phoning 1300 995 639. Customers must have read and understood the Product Disclosure Statement and the Westpac Retail and Business Banking Financial Services Guide, Credit Information and Privacy Statement, before registering for XYLO Foreign Exchange.

Important disclaimers:

1.9 All information contained on this website is given in good faith and has been derived from sources believed to be accurate. However, the information is selective and XYLO Foreign Exchange has not verified the information, which may not be complete or accurate for your purposes. XYLO Foreign Exchange makes no representation or warranty of any kind as to the accuracy or completeness of the information. It is general information only and should not be considered as a comprehensive statement on any matter and should not be relied upon as such.

1.10 XYLO Foreign Exchange, nor any of its employees and associates, guarantees the security of this website, gives any warranty of reliability or accuracy, nor accepts any responsibility arising in any other way including by reason of negligence for, errors in, or omissions from, the information on this website and does not accept any liability for any loss or damage, however caused, as a result of any person relying on any information on the website or being unable to access this website. This disclaimer is subject to any applicable contrary provisions of the Australian Securities and Investments Commission Act and Trade Practices Act.

1.11 In preparing the information contained on this website, XYLO Foreign Exchange has not taken into account your objectives, financial situation or needs. You should consider (with or without the assistance of an adviser) whether the information in this website is appropriate to you in light of your particular objectives, financial situation and needs. You should obtain the disclosure document (including Product Disclosure Statement where applicable) relating to a product referred to on this website before making any decision about whether to acquire or use the product.

1.12 The information on this site is based on current laws and their interpretation, including taxation laws. The levels and basis of taxation may change. The application of many laws, including taxation laws, depends upon an investor's individual circumstances. You should, therefore, consider seeking professional advice on the legal and taxation implications of investing and should not rely on the information provided, which should be used as a guide only.


2.1 Copyright in the information contained on this website is owned by Westpac Banking Corporation (ABN 33 007 457 141, AFSL 233714). You may use this information for your own personal reference only. You may reproduce this information in hard copy solely for your personal use. The information may not otherwise be reproduced and must not be distributed or transmitted to any other person or incorporated in any way into another document or other material.