Following Reserve Bank of Australia’s decision to increase the cash rate by 0.50%. RAMS will increase home loan variable interest rates by 0.50% for new and existing customers effective 18 Aug 2022
  • High interest online savings account

  • RAMS Saver - terms of electronic verification of identity

    By selecting "YES – I WOULD LIKE TO USE ELECTRONIC VERIFICATION" you agree to RAMS making an identity verification request (verification request) and disclosing your name, residential address, and date of birth (personal information) electronically on your behalf using Equifax Australia Information Services and Solutions Pty Ltd (Equifax) (previously known as Veda Advantage Information Services and Solutions Limited) ABN 26 000 602 862 in accordance with these terms.

    We may ask Equifax to provide an assessment of whether your personal information matches (in whole or part) to personal information held by Equifax. Equifax may prepare and provide a verification assessment to us. Equifax may use your personal information, and personal information of other individuals to prepare the verification assessment.

    You also appoint RAMS as your agent to contact Commonwealth and State Government agencies and private sector organisations (database owners) electronically on your behalf using Equifax, to verify the personal information you have provided to Westpac, including your mobile number and email address. The database owners will only be used where you provide additional document details for verification, for example details for your Driver’s Licence or Medicare card.

    For more information on how the database owners handle personal information, please refer to the database owners’ privacy policies on their website, or contact them individually to get more information.

    Equifax that owns and / or manages the following databases

    Consumer Credit Report

    Commercial Credit Report

    Equifax Public Records

    National Tenancy database

    Commonwealth Electoral Roll

    Insurance Reference Database

    Equifax Phone Number Directory

    Various Commonwealth Agencies


    Australian Passport Office, Department of Foreign Affairs and Trade

    Department of Immigration and Citizenship

    Various State Government Authorities

    ACT Road Transport Authority

    NSW Roads and Traffic Authority

    QLD Transport and Main Roads

    VIC VicRoads

    WA Main Roads Western Australia

    SA Department of Planning, Transport and Infrastructure

    Northern Territory Government - Department of Transport

    Tasmanian Government - Department of Transport

    Registry of Births, Deaths & Marriages

    Note: The confirmation of your identity using the credit reporting information will not be recorded as an enquiry on your consumer credit report.