Fact sheets and infographics

The Australian Bankers’ Association provides information to the public about banking and financial issues that affect all Australians.

If you cannot access any of the fact sheets, please freecall 1800 009 180 and we will arrange to get you a copy of the information that you require.

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Financial Hardship – Banks urge customers to contact their bank if worried about financial hardship as a result of a natural disaster or catastrophic event
13 Jan 2012
This fact sheet has been prepared to provide some basic information to bank customers about how to manage their debts if their income or property has been adversely impacted by a natural disaster or catastrophic event. Many bank customers are still struggling financially with the impact of the floods and Cyclone Yasi. Banks want to encourage those customers to make contact to discuss possible solutions. Depending on your circumstances, banks may be able to assist if you are concerned about missing a monthly payment on your credit card or a payment on your home or personal loans.

Read fact sheet and read FAQs
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How do I keep credit under control?
13 Jan 2012
When used effectively, credit provides some real benefits for consumers. Borrowing money can help you achieve your financial goals and conveniently manage your day-to-day expenses.
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How do I minimize the cost of banking?
13 Jan 2012
Banks charge fees for the services they provide. The main principle behind fees, and the way they are structured, is the user pays principle – in other words, the customer should pay a reasonable fee for the services they use.
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Money mules explained
13 Jan 2012
Have you ever been approached online with an offer to earn hundreds or thousands of dollars in commission simply by receiving money and remitting it to another bank account? Or have you been asked to help someone in financial difficulty by receiving funds and then returning some of the funds to another person or organisation? These are scams! A criminal is trying to recruit you as a money mule to transfer and disguise the money as proceeds of crime. This fact sheet, compiled by the Australian Bankers’ Association and the Australian High Tech Crime Centre, will help you recognise this scam and avoid becoming involved in illegal activity.
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Protecting your information online
13 Jan 2012
Customer security is the number one priority for banks regarding online banking. Banks provide advice and guidance; online, over the telephone and in many publications on how to protect against fraud perpetrated by criminals over the Internet.
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Protect your kids online
13 Jan 2012
This fact sheet is designed to help parents talk to their children about online safety and protecting their identity from criminals. Even though your children may be technically proficient on the computer and using the Internet, you can still talk to them about safe online practices. This fact sheet has been prepared by the Australian Bankers’ Association (ABA) and the Australian Federal Police (AFP). Banks and the AFP are committed to helping Australians understand how some simple steps can protect their identities from theft.
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Safe banking at ATMs
13 Jan 2012
Automatic teller machines (ATMs) have made banking more convenient today than ever before. With the touch of a few buttons, you can withdraw cash, make deposits, transfer funds and receive statements from an ATM. With more than twenty thousand ATMs in Australia, that means just about anywhere. Customer security is a key consideration when locating ATMs. The sites chosen are well lit, highly visible to passing traffic and free of obstruction that could block vision. Wherever cash is handled, it pays to be careful and ATMs are no different.
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Small Business banking information for new migrants to Australia
13 Jan 2012
Money and banking are part of everyday life. It’s important to choose the banking products and services that are right for your personal needs and business requirements. This fact sheet may assist with some information about opening an account, applying for a business loan and protecting your personal information.
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Small Business and dealing with debt – how banks can help if you are experiencing financial difficulties
13 Jan 2012
Healthy cash flow is the very essence of a successful small business. Recent changes in the financial environment and the domestic economy have affected bank customers including small business customers. And while a weakening economy may put additional pressures on a business, you should always be mindful of your cash flow situation, regardless of the economic climate. After all if your cash flow is poor, your business will struggle to operate efficiently and the business may not be able to meet its obligations to its supplier or its lenders like the bank.
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Small Business – Applying for a loan
13 Jan 2012
One of the key challenges for many small to medium businesses is working out how to approach the bank for a loan. Small businesses often look to finance their business needs with debt. This fact sheet will discuss how small to medium businesses can plan to obtain bank finance. It was prepared by the Australian Bankers’ Association and CPA Australia.

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