Andrew Galvin

With over 25 years’ experience specialising in retail banking and payments regulation, Andrew’s 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 ranked in the Chambers FinTech 2021 rankings and is ranked as a leader in Financial Services Regulation in Chambers & Partners’ Asia Pacific Guide. He has been named in Best Lawyers™ Australia for Banking and Finance Law, Financial Institutions and Regulatory Practice. Additionally, Andrew was named 2016 “Lawyer of the Year” for Financial Institutions Law and 2020 “Lawyer of the Year” for Regulatory Practice in Best Lawyers™ Australia. He co-authored chapters of CCH’s Australian Personal Property Securities Law Reporter including CCH’s precedent PPS clauses and is the consultant author for CCH’s Australian Consumer Credit Law Reporter.


Andrew’s experience includes advising:

  • Major Australian Bank in regards to the sponsorship of the Digital Opal Card for public transport ticketing in NSW;
  • Esanda Finance, GE Capital, Western Union Business Solutions in regards to the due diligence of the sale;
  • Major Australian banks on the adoption of Apple Pay and Android Pay platforms and “wearable” account access devices;
  • Major Australian banks on the adoption of electronic contracting, electronic signatures, the use of data scraping and open banking;
  • Major Australian bank on the rewrite of business banking product documents to comply with unfair terms reforms;
  • International Payment Processors on all aspects or establishing operations in Australia for merchant services;
  • Major Australian bank on all aspects of its cash logistics and outsourcing;
  • Foreign Banks in regards to establishing operations in Australia;
  • Major Australian bank on the sponsorship and issuance of a digital wallet public transport ticketing;
  • Buy-Now-Pay-Later on the establishment and ongoing operation of three leading BNPL finance providers;
  • Major bank and its subsidiary bank on the consolidation of the products of two banks and related compliance and disclosure issues;
  • Major Australian bank on implementation of Privacy Act reforms in 2014;
  • Blockchain on drafting the contracts and scheme rules for the world’s first blockchain based international money remittance platform;
  • Alipay on all aspects of Australian payments regulation for 6 years;
  • International Consumer Finance Company (over 20 years) on development and documentation of a multitude of consumer finance products including cards, BNPL, personal loans, home loans and automotive finance;
  • Various equipment financiers on template contracts and compliance;
  • A multitude of manufacturer owned and bank owned automotive financiers and fleet financiers on floorplan finance to dealers and documentation and distribution of retail finance and ancillary products through direct and dealer channels;
  • Australia’s largest supermarket retailer on its alliances with Macquarie Bank, HSBC, ANZ Bank, AIG Insurance, American Express and Qantas for a range of white-lablelled branded products;
  • Global Charge Card Company on its distribution alliance with Australia Post for distribution of forex products and multi-currency prepaid cards;
  • Global e-commerce companies on Australian regulation of online market sites;
  • Various banks, financiers and corporates on contract and operational changes for implementation of the Personal Property Securities Act;
  • Various bank owned and manufacturer owned auto finance companies on all aspects of retail and wholesale automotive finance; and
  • Fintech on the establishment of Australia’s first retail “Peer–to–Peer” lender in Australia.

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