MyState Bank recommends you read our Product Disclosure Documentation below before acquiring the product. Loan applications are subject to MyState Bank credit approval criteria and may also require approval of a Lenders Mortgage Insurer. Terms and conditions, fees and charges apply. Fees and charges are subject to change.

Target Market Determinations

A Target Market Determination is a document created by MyState Bank which describes:

  • the class of customers within the target market for the product;​
  • any conditions or restrictions on how the product can be distributed to customers;​
  • events or circumstances that will require MyState Bank to review the Target Market Determination for a financial product; and​
  • (for some products) the information that third party distributors must provide MyState Bank.

We’re required to have Target Market Determinations under the Treasury Laws Amendment (Design and Distribution Obligations and Product Intervention Powers) Act 2019. This is to make sure we’re keeping customers at the centre of our approach to the design and distribution of our financial products.

Entities or persons engaging in Retail Product Distribution Conduct under the Product Design and Distribution Obligation laws must report information outlined in Target Market Determinations within a specified timeframe to Product Issuers. If you are looking to report information to MyState Bank, please email your information to

Deposit Accounts (Savings, Transactions & Term Deposits)

Multi-Currency Cash Passport

Product Disclosure, Terms & Conditions, Forms

Personal Loans