What is the Code?

The Banking Code of Practice (the Code) is an industry code that’s published by the Australian Banking Association (ABA). We’re a long-standing member of the ABA and a subscriber to the Code.

The Code provides safeguards and protections to individual and small business customers and their respective guarantors, and in some areas sets higher standards than the law.

The Code is underpinned by principles that will guide us in our decision-making when providing services, including being fair, responsible, and accountable in our dealings with you, and acting with honesty and integrity.

Latest updates

The latest update of the Code is effective on 28 February 2025 and can be accessed through the link below. The updated Code is a culmination of an extensive review of the Code, developed in consultation with consumer representatives, small business organisations and regulators. The updated Code provides additional protections for small business customers, guarantors, vulnerable customers, and customers requiring additional support.

The original Code (known as the ‘Code of Banking Practice’) was first published in 1993 with revisions made over the years to better meet evolving community expectations.  

Some of the topics covered in the Code

The Code consists of 10 parts and covers the following topics:

  • How we communicate with you about our accounts and banking services
  • Inclusive and accessible banking
  • Lending to individuals and Small Business
  • Guaranteeing a loan
  • When things go wrong, including financial difficulty and complaints

Further information

View or download the current version (including the latest update) of the Banking Code of Practice on the ABA website, opens in new window. It's also available at our branches and outlets (except Australia Post).

Important information