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Introducing Big Sky

Terms of Use

This Terms of Use page provides you with essential information about a financial product offered by Big Sky so that you can make an informed decision about whether or not to acquire the product.

Big Sky Products

Loan Fee Schedule

Schedule of Interest Rates

Financial Services Guide

Accounts and Access Facilities Terms of Use

Schedule of Fees, Charges and Transaction Limits

Big Sky Credit Guide


Credit Card Terms and Conditions

Low Rate Visa Credit Card Conditions of Use

Visa Credit Card with Cash Rewards Conditions of Use

Self Service Access Facilities

Internet Banking

PayID Terms and Conditions

Telephone Banking available 24/7 by calling 1300 654 321 and following the prompts

Mobile Banking app available for download via Google Play Store or App Store.

Mobile Banking App Terms of Use

ePayments Code (the Code)

The ePayments Code (formally known as the Electronic Funds Transfer Code of Conduct) regulates electronic payments, including ATM, EFTPOS and credit card transactions, online payments, internet and mobile banking, and BPAY®. The Code is a voluntary code of practice, of which Big Sky is a subscriber.

Please refer to the Accounts and Access Facilities Terms of Use for further information regarding electronic payments, or alternatively refer to the Code itself (above).


Customer Owned Banking Code of Practice

The relevant provisions of the Customer Owned Banking Code of Practice apply to Big Sky’s products and services. We will make copies of the Code available in our Service Centres, and a downloadable version on our website (see link below). Alternatively, we will mail you a copy on request.

Customer Owned Banking Code of Practice

The 10 Key Promises of the Code contain general principles or values applying to our customers, as well as the broader community. 

The 10 Key Promises are: 

  1. We will be fair and ethical in our dealings with you 
  2. We will focus on our customers 
  3. We will give you clear information about our products and services 
  4. We will be responsible lenders
  5. We will deliver high customer service and standards 
  6. We will deal fairly with any complaints 
  7. We will recognise our customers’ rights as owners 
  8. We will comply with our legal and industry obligations 
  9. We will recognise our impact on the wider community 
  10. We will support and promote the Customer Owned Banking Code of Practice

Complaints about breaches of this Code

If you believe we have breached the Code, you can make a complaint to us. If we are not able to resolve the complaint to your satisfaction and the complaint involves a claim that you have suffered loss or detriment, you may then refer the matter to the External Dispute Resolution scheme to which we belong (see Dispute Resolution section on our website). If the complaint does not involve a claim that you have suffered loss or detriment, you can report it to the Compliance Manager:

Compliance Manager
Code Compliance Committee
Ph: 1300 780 808

Big Sky Financial Planning

Please also refer to our Advice section regarding Big Sky Financial Planning’s services.

Big Sky Financial Planning Pty Ltd (‘Big Sky Financial Planning’) is a wholly owned subsidiary of Australian Unity Limited. Big Sky Financial Planning  is a Corporate Authorised Representative (CAR 414711) of Australian Unity Personal Financial Services Limited (ABN 26 098 725 145) AFS Licence No. 234459, 114 Albert Road South Melbourne VIC 3205.