Financial Services Guide
Your Financial Services Guide
This Financial Services Guide (FSG) is an important document.
It provides you with information about the financial services
and products offered by the Premium Business Services
business unit of the Commonwealth Bank of Australia
('Bank', 'we', 'our' or 'us') under our licence, to help you
decide whether to use these financial services and products.
Premium Business Services also provides financial services
under a number of other licences. Please contact us if you
require a FSG of any of these licenses.
What does it cover?
In broad terms, it provides information on:
■ who we are;
■ the services and types of products we can offer you;
■ how we are remunerated; and
■ details of our internal and external complaints handling
procedures and how you can access them.
Who are we?
Premium Business Services is a business unit of the Bank
and is one of Australia’s leading providers of financial
services to institutional, corporate, small business and
What financial services and products
do we offer?
We are licensed under the Corporations Act to:
■ deal in financial products;
■ advise in financial products;
■ provide custodial or depository services; and
■ make a market in financial products.
We offer a full range of products in the following areas:
■ transaction accounts;
■ savings and investment accounts;
■ funds transfers and payments;
■ foreign exchange;
■ general insurance;
■ equity and debt securities, including Government
■ money market instruments.
Any financial services we offer you will be handled by
representatives of the Bank. In summary, we have the
capability and experience to provide tailored lending, global
markets, working capital and risk management products
that meet your financial needs.
Product Disclosure Statement and
Statement of Advice
If you choose to use our products and services we may
also provide you with a Product Disclosure Statement
(or other relevant product information where