Andrew Galvin

Andrew specialises in banking, financial services and payments law.

His clients include Australia’s largest banks, global payments businesses and e-commerce platforms, finance companies, major retailers and brand partners involved in the distribution of financail services.

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, 2022 and 2024 “Lawyer of the Year” for Financial Institutions Law and 2020 “Lawyer of the Year” for Regulatory Practice in Best Lawyers™ Australia.  He is the current consultant author for CCH’s Australian Consumer Credit Law Reporter.


Andrew’s experience includes advising:

  • Star Alliance on all aspects of its Star Alliance branded credit card and the associated rewards program including agreements with the issuer and card scheme
  • Major Australian Bank in regards to the sponsorship of the Digital Opal Card for public transport ticketing in NSW;
  • Major Australian banks on the adoption of Apple Pay and Android Pay platforms and “wearable” account access devices;
  • Major Australian banks on the cessation of issuing and accepting cheques;
  • Major Australian banks on the closure of safe deposit and safe custody facilities;
  • Buy-Now-Pay-Later on the establishment and ongoing operation of three leading BNPL finance providers;
  • Fintech on the establishment of Australia’s first retail “Peer–to–Peer” lender in Australia;
  • Major Australian Bank on its consolidation with a bank subsidiary; and
  • Blockchain on drafting the contracts and scheme rules for the world’s first blockchain based international money remittance platform.

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