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What is a Target Market Determination (TMD)?

A Target Market Determination (TMD) is a document which describes who a financial product is generally designed for (target market) and any conditions on how the product is offered and distributed to customers. The TMD describes how frequently the target market and distribution arrangements will be reviewed. The TMD for the SpendOne and SaveOne accounts is defined by Westpac to ensure that customers are at the centre of the approach to the design and distribution of these financial products.

To read the full TMD, you can go to