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What is a Target Market Determination?

A Target Market Determination is a regulatory document that sets out:

  • the key attributes of our products and the type of customer they are appropriate for (target market)
  • conditions for how our products are distributed, and
  • situations where we may need to review the target market and our products.

Why do we have Target Market Determinations?

We’re required to have Target Market Determinations and meet other obligations under the Treasury Laws Amendment (Design and Distribution Obligations and Product Intervention Powers) Act 2019. This is to make sure our customers are at the centre of how we design and distribute our products.


Deposit products

Loan products

Credit cards

Previous Target Market Determinations

  Credit cards


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Why choose us?

Established in 1880, we have been helping people achieve their financial goals for 140 years and are rated by Forbes as one of the World’s Best Banks. We offer a full range of competitive banking, including home and personal lending, savings and transaction accounts, term deposits, business banking, and can arrange financial planning, insurance and travel products.

We provide simple and secure digital banking solutions online and on mobile, and members enjoy access to free automated phone and internet banking, and a team of professionals at our locally based contact centre. With a growing branch network throughout the Illawarra, Sydney, NSW South Coast, Newcastle/Hunter, the ACT and Melbourne, we have a lending specialist in every branch and a team of mobile lending specialists who will come to you.

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