Effective date: 11 October 2026
By creating an account, logging in, or using the Unitus Bank website or services, you agree to these Terms and Conditions and acknowledge our Privacy Policy. If you do not agree, please do not use our services.
You must be at least 18 years old and able to enter into a binding agreement. You must give accurate, complete and current information when you open an account and keep it up to date.
You are responsible for keeping your login details, authentication codes and devices secure and confidential. Tell us immediately if you suspect unauthorised access. Unitus Bank will never ask you for your password or full card security code by email, phone or message.
Deposits, transfers, bill payments, card requests and loan applications are submitted as requests. Each request is reviewed and must be approved by Unitus Bank before it takes effect or any balance changes. We may delay, decline, or place a request under review, including for security, fraud-prevention or regulatory reasons, and we will tell you the reason where we are able to.
Fees that apply to your account are shown on our Fees page. Amounts shown in other currencies are indicative and use the exchange rate displayed at the time.
You must not use our services for unlawful, fraudulent or abusive purposes, attempt to gain unauthorised access to any account or system, or interfere with the operation of the service.
We may suspend or close an account, or restrict a service, where we reasonably believe it is necessary to protect you or us, to comply with law, or where these Terms are breached. You may ask us to close your account at any time.
To the extent permitted by law, Unitus Bank is not liable for indirect or consequential loss, or for loss caused by events outside our reasonable control, including outages of networks or third-party providers. Nothing in these Terms excludes rights you have under the Australian Consumer Law that cannot be excluded.
We may update these Terms from time to time. The latest version will be published on this website with its effective date. Continuing to use our services after a change means you accept the updated Terms.
These Terms are governed by the laws of Australia.
Questions about these Terms can be sent through our Support page.
These Terms and Conditions are a general template and should be reviewed to ensure they accurately reflect Unitus Bank's actual operations and legal obligations. They do not establish that Unitus Bank is licensed or authorised to operate as a bank in Australia.
