The Oath

Trust is the foundation of my profession.

I will serve all interests in good faith.
I will compete with honour.
I will pursue my ends with ethical restraint.
I will help create a sustainable future.
I will help create a more just society.
I will speak out against wrongdoing and support others who do the same.
I will accept responsibility for my actions.

In these and all other matters;
My word is my bond.

The Vision

A banking and finance industry that
meets the community’s needs and has its full confidence thereby fulfilling its integral role in society.

100% Committed

Although The BFO is an individual commitment, rather than organisational, there is an opportunity to recognise and encourage full organisational commitment through all staff becoming Signatories.
The ‘100% Committed’ initiative presents the following benefits for organisations:
·       Organisations, particularly financial advice and planning firms, can build trust with clients through demonstrating they have full commitment to The BFO.
·       Firms can be recognised through a ‘100% Committed’ symbol that can be displayed on their website and promotional materials.
·       The building of a community and network of like-minded individuals.
Verifying Commitment
An organisational representative will be required to verify that all staff are Signatories.

Encouraging 100% commitment within the organisation

1. Have The Board and senior executives take The BFO
2. Provide the BFO for consideration to all employees with an endorsement from the leaders who have committed to The BFO either in person, at team meetings or by email.
3. Provide the ‘Hear from The BFO board' film as an overview.
4. Have a BFO Board member/executive present The BFO to teams.
5. Provide group meeting and create a ceremonial environment, allowing employees to talk about issues they may feel need exploring or are not comfortable with. You can print the certificates and present them.
6. You may choose to cover the costs as an industry expense.
7. Provide information about The BFO at inductions identifying the aligned values and complementary nature with values and codes of the organisations.
8. Provide information at universities and graduate seminars.
9. Encourage employees to include The BFO signatory logo on their correspondence.


100% Committed Organisations


Koda Capital have a range of internal values that we uphold as a firm – but key amongst all of them is that they only work for the team if they’re embraced at the individual level. We really like the idea that The Oath is something that can have a big impact on the profession and the firms within it, but that the commitment sits at the individual level.

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Taking The Banking and Finance Oath is a symbol that we feel passionately about the ethical foundations of the industry beyond regulation and compliance by upholding strong ethics, integrity, honesty and trust.

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Judo Capital

Judo is a purpose-built, relationship centric service proposition designed specifically to address the financial needs of SME market. Judo’s core philosophy is: “each business is unique” and should be treated that way and relationships are built on deep understanding and trust. Judo’s purpose is to deliver banking as it used to be, banking as it should be. 

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Dragon Bill

Ethical behaviour is at the core of the DragonBill experience. Our customers need to trust us, making ethics vital. The Banking and Finance Oath aligns with our values of honour, responsibility and wanting to make the world a better place. We took the Oath before our launch so that new staff will know how important ethical behaviour is from the beginning and it will be at our core as we grow. 

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Adviser Ratings

At Adviser Ratings, trust is the very principle that underpins our reason for being. We want to provide a space where the financial services industry and consumers can connect with each other in an environment that promotes, fosters and sustains trust and transparency throughout all aspects of the journey through financial advice.  We represent the community of advisers and the community of Australians needing financial advice, and we do that with good faith, and with honour. 

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Tribeca Financial

For us at Tribeca, the foundations of quality advice are ethics, trust and integrity.  This made it a natural fit for Tribeca to become a 100% committed organisation. Find out more



At FINSIA, we are proud of our staff’s 100% commitment to taking The Banking and Finance Oath.  This commitment represents FINSIA’s support and belief that trust is the foundation of the financial services profession.  FINSIA stands for the profession of finance, a profession in which both integrity and ethical behaviour needs to be of the highest standard for the ultimate protection and benefit of an inclusive society.  As a signatory we are influencing positive change in the banking and finance industry.
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Heartland Seniors Finance

At Heartland Seniors Finance we are proud to help seniors live a better retirement, with independence and dignity, through our reverse mortgage. We have become 100% committed to The Banking and Finance Oath because of its alignment to our core values of excellence, integrity, trust, teamwork, respect and professionalism. We understand that each and every customer places their trust in us when we provide them with finance. All of our team are BFO signatories and are proud to uphold this trust through treating these customers in a fair and ethical manner. Find out more.