Terms of Service¶

Effective Date: January 1, 2026
Last Revised: February 1, 2026
Agreement Version: 2.0

1. Acceptance of Terms¶

1.1. By opening an account, accessing, or using any products, services, websites, or digital platforms provided by Apex Bank Ltd ABN 00 000 000 000 ("Apex Bank," "we," "our," or "us"), you ("Customer," "you," or "your") acknowledge that you have read, understood, and agree to be bound by these Terms of Service (the "Agreement"). If you do not agree, you must discontinue use of all Apex Bank services.

1.2. Apex Bank Ltd is an authorised deposit-taking institution (ADI) regulated by the Australian Prudential Regulation Authority (APRA) and holds an Australian Financial Services Licence (AFSL) and Australian Credit Licence (ACL) issued by the Australian Securities and Investments Commission (ASIC).

1.3. Apex Bank reserves the right to modify these Terms at any time. Material changes will be communicated via email, in-app notification, or on our website at least thirty (30) days prior to their effective date, unless the change is required by law.

2. Services Description¶

2.1. Apex Bank provides retail banking products and services, including: (a) everyday transaction accounts; (b) savings accounts and term deposits; (c) home loans and personal loans; (d) credit cards; (e) digital banking platform access, including the Apex Bank mobile app and internet banking; (f) the Apex Concierge AI-powered banking assistant; and (g) payment services including BPAY, PayID, and international transfers.

2.2. Products and services are subject to eligibility criteria, credit assessment (where applicable), and the terms and conditions of the relevant Product Disclosure Statement (PDS) or Credit Guide. Target Market Determinations (TMDs) for our products are available on our website.

3. Customer Eligibility¶

3.1. To open and maintain an account with Apex Bank, you must: (a) be at least eighteen (18) years of age (or sixteen (16) for eligible youth accounts); (b) be an Australian citizen, permanent resident, or hold a valid Australian visa; (c) provide accurate identification as required under the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (AML/CTF Act); and (d) not be subject to sanctions administered by the Department of Foreign Affairs and Trade (DFAT) or AUSTRAC.

3.2. Apex Bank reserves the right to refuse service, close accounts, or restrict access at our discretion where we determine the relationship poses unacceptable legal, regulatory, or reputational risk.

4. Account Security & Electronic Banking¶

4.1. You are responsible for maintaining the security of your account credentials, including passwords, PINs, and multi-factor authentication devices. You must notify Apex Bank immediately of any unauthorised access by calling 1300 APEX BK (1300 273 925).

4.2. Apex Bank's liability for unauthorised transactions is governed by the ePayments Code. Where you have not contributed to a loss through fraud or negligence, Apex Bank will reimburse unauthorised transactions in accordance with the Code.

4.3. You agree not to use Apex Bank's digital platforms for any unlawful purpose, including money laundering, terrorism financing, or fraudulent activity.

5. Fees & Charges¶

5.1. Fees and charges applicable to your accounts and products are set out in our Fee Schedule, Product Disclosure Statements, and loan contracts. A summary of current fees is available on our website and from any Apex Bank branch.

5.2. We will provide at least thirty (30) days' notice of any changes to fees and charges, unless the change is required by law or reduces a fee.

6. Limitation of Liability¶

6.1. TO THE MAXIMUM EXTENT PERMITTED BY LAW, APEX BANK SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES ARISING FROM YOUR USE OF OUR SERVICES, INCLUDING LOSS OF PROFITS, DATA, OR BUSINESS OPPORTUNITY.

6.2. Nothing in this Agreement excludes, restricts, or modifies rights or remedies you may have under the Australian Consumer Law (Schedule 2 of the Competition and Consumer Act 2010) or the Australian Securities and Investments Commission Act 2001 that cannot be excluded by agreement.

7. Dispute Resolution¶

7.1. If you have a complaint, please contact us at complaints@apexbank.com.au or call 1300 APEX BK. We will acknowledge your complaint within one (1) business day and aim to resolve it within thirty (30) days.

7.2. If you are not satisfied with our resolution, you may refer the matter to the Australian Financial Complaints Authority (AFCA): Online at afca.org.au, by email at info@afca.org.au, or by phone at 1800 931 678. Apex Bank's AFCA member number is XXXXX.

8. Governing Law¶

8.1. This Agreement is governed by the laws of the State of Victoria, Australia. You submit to the non-exclusive jurisdiction of the courts of Victoria and any court that may hear appeals from those courts.

9. Termination¶

9.1. Either party may terminate this Agreement upon thirty (30) days' written notice. Upon termination, outstanding loan balances remain payable, and account balances will be transferred or paid out as directed by you. Provisions that by their nature survive termination (including Sections 6, 7, and 8) shall continue in full force and effect.

Apex Bank Ltd ABN 00 000 000 000
Level 30, 120 Collins Street
Melbourne VIC 3000
General Inquiries: info@apexbank.com.au
Customer Services: 1300 APEX BK (1300 273 925)