^Trade online from $19.95 or 0.11% of the trade value (whichever is greater) when you settle through a Westpac Cash Investment Account. Please refer to the FSG for full brokerage rates.

*Special introductory offer
Only available to new Westpac Online Investing customers. Existing customers are not eligible. You will not be charged the first $50 (inc. GST) of brokerage on each contract note trade settled within 30 days of account opening ("Introductory Period"). This offer is for online trades in ASX-listed shares only (trades in options, issuer sponsored trades and international equities are excluded). The provider of the share trading service (“we”, “us”, “our”) reserves the right to end the Introductory Period early on one business day’s notice in the event that a customer’s trading activities exceed reasonable limits as determined by us in our discretion. Once the Introductory Period has ended, the standard rates of brokerage will apply (refer to the Westpac Securities Limited and Australian Investment Exchange Ltd Financial Services Guides for standard rates of brokerage). We reserve the right to terminate this offer or amend these terms and conditions at any time without notice. This offer is not redeemable for cash and is not transferable. Unless otherwise specified here, the normal terms and conditions, credit criteria, fees and charges apply to the share trading service provided through Westpac Securities Limited (ABN 39 087 924 221, AFSL 233723) by Australian Investment Exchange Ltd (ABN 71 076 515 930, AFSL 241400).

+ Fixed rate effective from 01 December 2016. Pre-paid interest is not refundable. Lending criteria applies.

BT Securities Limited ABN 84 000 720 114 AFSL No. 233722 and Westpac Banking Corporation ABN 33 007 457 141 AFSL 233714 are together the issuers of the Westpac Online Investment Loan. The Product Disclosure Statement for the Westpac Online Investment Loan and other disclosure documents are relevant when deciding whether to acquire or hold this product and are available at www.westpac.com.au.

BT Portfolio Services Ltd ABN 73 095 055 208 (BTPS) administers Panorama Super. BT Funds Management Limited ABN 63 002 916 458 (BTFM) is the trustee and issuer of Panorama Super, which is part of Retirement Wrap ABN 39 827 542 991. BT Super Invest is part of Panorama Super. A Product Disclosure Statement (PDS) for BT Super Invest can be obtained by contacting BT on 1300 881 716 or by visiting www.bt.com.au/superinvest. You should obtain and consider the PDS before deciding whether to acquire, continue to hold or dispose of interests in BT Super Invest.

The information has been prepared without knowing your personal financial circumstances. Before you act on this, please read the Westpac Cash Investment Account Terms and Conditions and consider if it’s right for you. Westpac Cash Investment Account is issued by Westpac Banking Corporation ABN 33 007 457 141 AFSL 233714 Australian Credit Licence 233714.