Company: WEBNF
Filing Date: 2025-06-26
Form Type: 424B5
Source: 0001104659-25-062718
Chunk: 28

Company: WESTPAC BANKING CORP
Filing Date: 2025-06-26
Form: 424B5
Chunk 28
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 The as adjusted amount does not include estimated offering expenses.

S-14

TABLE OF CONTENTS

### DESCRIPTION OF THE NOTES
The following description is a summary of certain terms of the notes. This summary supplements the description of the Senior Debt Securities in the accompanying prospectus and, to the extent it is inconsistent, replaces the description in the accompanying prospectus. The descriptions of certain terms of the notes and the senior indenture do not purport to be complete, and reference is hereby made to the senior indenture, as amended and supplemented by the first supplemental indenture, the fifth supplemental indenture, the seventeenth supplemental indenture, the twenty-fifth supplemental indenture and the twenty-eighth supplemental indenture, each of which has been filed as an exhibit to the registration statement of which this prospectus supplement and the accompanying prospectus are a part, and as further supplemented by the thirty-fifth supplemental indenture relating to the notes, which will be filed as an exhibit to a Report on Form 6-K, and the Trust Indenture Act of 1939, as amended. You may also request copies of the indenture and the first, fifth, seventeenth, twenty-fifth, twenty-eighth and thirty-sixth supplemental indentures from us at our address set forth under “Where You Can Find More Information.” References to “we,” “us” and “our” in this description of the notes refer only to Westpac Banking Corporation and not to any of its subsidiaries.

#### General
We will issue the notes under the senior indenture, dated July 1, 1999, between us and The Bank of New York Mellon (as successor to The Chase Manhattan Bank), as trustee, as amended and supplemented by the first supplemental indenture, dated August 27, 2009, between us and the trustee, the fifth supplemental indenture, dated August 14, 2012, between us and the trustee, the seventeenth supplemental indenture, dated November 9, 2016, between us and the trustee, the twenty-fifth supplemental indenture, dated November 9, 2018, between us and the trustee, and the twenty-eighth supplemental indenture, dated as of January 16, 2020, between us and the trustee, which we refer to collectively as the base indenture, as further supplemented by the thirty-sixth supplemental indenture, to be dated the date of issuance of the notes, between us and the trustee. We refer to the base indenture, as