We are committed to complying at all times with our obligations under our Financial Services Licence, Australian Credit Licence with all other relevant laws, regulations, codes, industry standards, our Constitution, policies, management systems, manuals and procedures.

We are committed to compliance as part of our vision to “strive to effectively deliver excellence in service in response to the needs of our members”.

We believe that compliance is:

  • good business

  • best practice and

  • an investment in the future of the Co-Operative


Dnister recognises the importance of protecting our members’ privacy.

All personal and financial information we hold about our members is securely stored and protected against unauthorised access.

All staff are committed to fulfilling the requirements of the Privacy Act and honouring the need for confidentiality in all dealings with member’s personal or financial details.

Dnister Privacy and Credit Reporting Policy

Financial Services Guide and Product Disclosure Statement

Under the Financial Services Reform Act all financial services providers must hold a licence to continue to provide financial services to their customers or members.

The Act is designed to have a single disclosure regime applying to all industries offering financial products or services. This can either relate to a simple savings product, a more complex superannuation product or a managed investment scheme.

Full details of a particular product must now be clearly disclosed so that current and prospective members can make informed decisions on investment matters.

Full details of our products and services can be accessed by clicking on the following link:

Financial Services Guide & Product Disclosure Statement

Supplementary Product Disclosure Statement

A Credit Guide provides important information about a licensee’s obligations in relation to consumer lending products regulated by the National Credit Code.

Credit Guide

The information provided on Dnister Ukrainian Credit Co-operative Ltd’s Internet site is copyright to Dnister, unless otherwise stated.

The views expressed in articles or commentary are not necessarily those of Dnister and Dnister makes no claim to their accuracy.

Dnister accepts no responsibility for any loss occasioned to any person acting or refraining from action as a result of material in this service, or any other service that may be accessed through this site.

We strongly recommend that discussions be held with one of our staff before acting upon information supplied.

To view the full Disclaimer, click here

We have developed and introduced a mechanism to resolve members’ complaints or disputes promptly and effectively.

Click on the following link to view our Complaints and Dispute Resolution Guide for members.

Complaints & Disputes Resolution Guide

Should our internal dispute resolution process not resolve your issue, we are also a member of an external dispute resolution scheme.

Complaint escalation must be made to the Australian Financial Complaints Authority.

Australian Financial Complaints Authority
GPO Box 3
Melbourne Vic 3001,au
1800 931 678

Membership Certificate AFCA

Dnister is owned by its members and governed in accordance with the rules that have been established and approved by Dnister members (our constitution).

Dnister’s Constitution

Dnister Ukrainian Credit Co-operative has an actively managed capital base to cover business risks. The objectives of capital management are to ensure that the credit co-operative:

  • has sufficient capital to support its business activities and operational requirements
  • does not breach compliance with required external capital ratios
  • maintains adequate capital ratio levels to support its business

As part of Prudential Standard APS 330, Dnister is required to publicly disclose information on risk management practices and capital adequacy, which is provided in the links below:

June 2019Mar 2019Dec 2018Sept 2018 | June 2018 | Mar 2018 | Dec 2017 | Sep 2017

Dnister is a member of the Customer Owned Banking Association (COBA), the national body for Australia’s member/customer owned banking institutions.

To learn more about customer owned banking visit

Customer Owned Banking Code of Practice

Australian regulation on protecting your deposits.

Dnister Ukrainian Credit Co-operative Limited is subject to strict government regulation, overseen by the Australian Prudential Regulation Authority (APRA).

APRA’s rules on safety and capital apply to all banks, building societies and credit unions.

Financial Claims Scheme (FCS)

To learn more about the Automatic Exchange of Information (CRS), click here.

Annual Reports

The 2017-2018 Annual Report is available in the following formats:

Previous Annual Reports

Select and click on the Annual Report image to download.