Andrew Galvin

Andrew Galvin


Banking and Financial Services


+61 2 9334 8502

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Andrew is a Partner in HWL Ebsworth's Banking and Finance team. He has over 20 years experience specialising in retail banking and payments regulation.

His experience includes advising on implementation projects for consumer credit legislation, privacy and credit reporting laws, the FSR regime, payments regulation, the AML/CTF Act, licensing of financial institutions and the Personal Property Securities Act. He has also advised in relation to the development and distribution of a multitude of regulated financial products including under some of Australia's most prominent white label alliances.

Andrew's clients include the full spectrum of participants in Australian payment systems including banks, payment processors, clearing houses, major retailers, providers of specialist merchant services, bill payment services and payroll services, global e-commerce companies and online marketplaces, money remittance services and foreign exchange services.

Andrew has also assisted a wide range of domestic and foreign companies to establish regulated financial services and lending operations in Australia and to implement comprehensive compliance systems and procedures.

Andrew is recognised as a leader in Financial Services Regulation in Chambers & Partners’ Asia Pacific Guide. Andrew has been named in Best Lawyers™ Australia for Financial Institutions Law and Regulatory Law. He co-authored chapters of CCH's Australian Personal Property Securities Law Reporter including CCH's precedent PPS clauses.


  • Advising Commonwealth Bank and Bankwest on implementation of Privacy Act reforms in 2014;
  • Advising GE Capital on all aspects of the development and distribution of the GEM Visa Card and the UMI personal loan (Australia's first paperless regulated loan product);
  • Advising Woolworths on its alliances with Macquarie Bank, HSBC, ANZ Bank, AIG Insurance, American Express and Qantas for a range of Woolworths branded products;
  • Advising American Express on its distribution alliance with Australia Post for distribution of forex products and multi-currency prepaid cards;
  • Advising some of the world's largest e-commerce companies and online market sites on Australian payments regulation;
  • Advising Bankwest on the regulatory aspects of its consolidations into CBA;
  • Advising bank and non-bank financial institutions on a on a wide range of consumer credit products and related compliance and distribution issues;
  • Advising a range of lenders on the implementation of NCCP licensing disclosure and responsible lending requirements;
  • Advising various banks and corporates on contract and operational changes required for implementation of the Personal Property Securities Act;
  • Advising Western Union on its acquisition of the Custom House and Travelex currency exchange and payments businesses;
  • Advising some of Australia's largest automotive financiers on all aspects of retail and wholesale automotive finance;
  • Advising Virgin Money on the regulatory aspects of the sale of the Virgin Money credit card portfolio by Citibank to Bank of Queensland; and
  • Advising RateSetter on the establishment of Peer–to–Peer lending operations in Australia.


  • Bachelor of Laws
  • Bachelor of Science
  • Master of Laws

Professional Memberships

  • Financial Services Committee of the Law Council of Australia