Rates and fees on day-to-day accounts

	Westpac Choice	Westpac Choice eAccount	Classic Plus	Basic Account¹ Apply at your nearest branch	Deeming Account¹ Apply at your nearest branch
Features
Monthly service fee	$5.00	$3.00	$10.00	NIL	NIL
Minimum monthly deposit to waive monthly service fee	$2,000⁶	N/A	N/A	N/A	N/A
Minimum monthly balance to waive monthly service fee	N/A	N/A	$5,000	N/A	N/A
Free transactions (per month)	Unlimited transactions	Unlimited Electronic transactions only	25 free withdrawals²	Unlimited transactions	8 free withdrawals²
Free Telephone Banking enquiries (per month)	Unlimited enquiries	Unlimited enquiries	Unlimited enquiries	Unlimited enquiries	12
Interest	No interest	No interest	No interest	No interest	$0 < $2,000 1.00% $2,000 < $41,000 2.00% $41,000+ 3.00%
Excess transaction fees
Internet Banking withdrawal or direct debit	N/A	NIL	$0.25	N/A	$0.25
Telephone Banking Electronic withdrawal	N/A	NIL	$0.40	N/A	$0.40
EFTPOS	N/A	NIL	$0.60	N/A	$0.60
Westpac Group branded ATM withdrawal	N/A	NIL	$0.60	N/A	$0.60
Cheques written	N/A	$1.00	$1.00	N/A	$1.00
Staff-assisted withdrawal	N/A	$3.00	$2.50	N/A	$2.50
Additional Fees
Non-Westpac Group branded ATM** within Australia (cash withdrawal or balance enquiry)	NIL	NIL	NIL	NIL	NIL
Overseas ATM cash withdrawal³	$5.00	$5.00	$5.00	$5.00	$5.00
Overseas ATM Balance Enquiry	NIL	NIL	NIL	NIL	NIL
Westpac Foreign Transaction Fee	Refer to footnote 4	Refer to footnote 4	Refer to footnote 4	Refer to footnote 4	Refer to footnote 4
Dishonour of cheques written or direct debits	$35⁵	$35	$35	Nil	$35
Periodical Payment Not made fee	$35⁵	$35	$35	Nil	$35
Account overdrawn fee	$40⁵	$40	$40	Nil	$40
	Westpac Choice	Westpac Choice eAccount	Classic Plus	Apply at your nearest branch Basic Account¹	Apply at your nearest branch Deeming Account¹

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1. Customers may only have one Basic Account or one Deeming Account.
2. Based on when we process the withdrawal to your account, which may be on a date after the day on which you make the withdrawal.
3. Nil for cash withdrawals from ATMs belonging to institutions in the Global ATM Alliance. Details of how to access your accounts using overseas ATMs and of participating institutions in the Global ATM Alliance are available in the 'A banking guide for overseas travel' brochure.
4. The Westpac Foreign Transaction fee is payable and will be incorporated into the $AUD transaction amount shown on your statement. The fee charged will either be:
a) 3% of the $AUD transaction amount where a transaction is made in foreign currency and the merchant or financial institution accepting the card is located outside of Australia (comprising of 2% Westpac Processing Fee plus 1% Westpac On-Charged Scheme Fee);
b) 2.2% of the $AUD transaction amount where a transaction is made in foreign currency and the merchant or financial institution accepting the card is located in Australia (comprising of 2% Westpac Processing Fee plus a Westpac On-Charged Scheme Fee of 0.2%); or
c) 0.5% of the $AUD transaction amount where a transaction is made in Australian dollars and the merchant or financial institution accepting the card is located outside of Australia (comprising of a reduced Westpac On-Charged Scheme Fee of 0.5% only).
5. $10 for selected accounts* with a Student or Youth Package. (*Westpac OneMain, OneSave, Westpac Choice and Westpac Reward Saver).
6. The Monthly Service Fee will be waived if customer initiated deposits of at least $2,000 have been made by the last business day of the month.
NOTE: If you make a deposit after the last business day of the month, that deposit will be included in the minimum monthly deposit calculation for the following month.
**Non-Westpac Group branded ATMs apply an ATM operator fee by the ATM Owner, which is disclosed at the time of the transaction on the ATM screen. This fee will be debited on the day (or next business day) of the transaction and itemised separately on your statement.