Westpac Banking Corporation

Bank accounts

Westpac Choice Student

Essentials

  • Unlimited transactions1 on your account
  • Unlimited transactions  1 across Westpac branches, Westpac/St.George/BankSA branded ATMs, EFTPOS, Telephone Banking and Online Banking
  • No monthly service fee if you are a full-time tertiary student 2
  • Option to add Debit MasterCard ® 3
  • Optional paperless eStatements.

How you can access your money

  • ATM
  • EFTPOS
  • Debit MasterCard ® or Handycard
  • Telephone Banking
  • Online Banking
  • Branch
  • Cheque 7
  • BPAY ®.

Add a Debit MasterCard ® to your account 3

You can use a Debit MasterCard ® to get instant access to your funds at ATMs throughout Australia and overseas, and at merchants that have EFTPOS within Australia. You can use your Debit MasterCard ® on the Internet or over the phone to purchase goods and services and pay bills using BPAY ®. You can also use your Debit MasterCard ® to make purchases overseas wherever you see the MasterCard logo.

Packages

If you open a Westpac Choice Student account, you may be eligible for our Westpac Student Package.

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Apply for Westpac Choice Student now

Did you know?

Adding a Debit MasterCard ® to your Westpac Choice Student Account will allow you to make purchases overseas, online and over the phone - at over 28 million locations worldwide.

Related documents

Deposit Accounts for Personal and Self Managed Superannuation Fund Customers - Terms and Conditions (PDF 585kb)

Things you should know
  • 1. Account access is restricted when a customer is under 12. Fees and charges may be payable. Terms and Conditions apply. These may be varied, or new Terms and Conditions introduced in the future. See our comparison table for a list of current interest rates and fees. Daily transactional limits apply.
  • 2. We may require proof of your eligibility for a Westpac Choice Student account. If you do not satisfy the eligibility requirements, we may convert the Westpac Choice Student account into another account. We will inform you prior to account conversion.
  • 3. A Debit MasterCard ® or Handycard comes free with your account. A Debit MasterCard ® will only be issued if the customer meets the eligibility criteria. Customers must be over 18 years of age and have an Australian residential address to be eligible for the card. If you're not eligible for a Debit MasterCard ® and you're over 12, you can request a Handycard.
  • 4. Non-Westpac/St.George/BankSA 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 the next business day) of the transaction and itemised separately on your statement.
  • 5. Nil for cash withdrawals from participating Global ATM Alliance partners in designated countries. For more information, read Accessing your accounts overseas. 
  • 6. 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); or
  • 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 0.2% Westpac On-Charged Scheme Fee).
  • 7.Customers must be over the age of 18.
  • Adobe Acrobat Reader
    To view PDF files you need Adobe Acrobat Reader. Use Adobe's online PDF conversion tools to convert to another format.
  • BPAY® is a registered trademark of BPAY Pty Ltd ABN 69 079 137 518.
  • MasterCard® and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated.

Fees

Standard fees
Fee Amount
Monthly service fee NIL
Minimum monthly deposit to waive monthly service fee N/A
Online Banking withdrawal NIL
Telephone Banking withdrawal (automated) NIL
Telephone Banking withdrawal (staff assisted) NIL
EFTPOS NIL
Westpac/St.George/BankSA branded ATMs withdrawal NIL
Cheques written 7 NIL
Direct debit NIL
Branch staff assisted withdrawal NIL
eStatements NIL

 

Additional fees
Fee Amount
Non-Westpac/St.George/BankSA branded ATMs within Australia (cash withdrawal or balance enquiry) NIL 4
Overseas ATM cash withdrawal 5 $5.00
Overseas ATM balance enquiry NIL
Westpac Foreign Transaction Fee

Refer to footnote   6

Dishonour of cheques written or direct debits $9
Periodical payment not made fee $9
Account overdrawn fee $9

 

Related documents

Deposit Accounts for Personal and Self Managed Superannuation Fund Customers - Terms and Conditions (PDF 585kb)

Things you should know
  • 1. Account access is restricted when a customer is under 12. Fees and charges may be payable. Terms and Conditions apply. These may be varied, or new Terms and Conditions introduced in the future. See our comparison table for a list of current interest rates and fees. Daily transactional limits apply.
  • 2. We may require proof of your eligibility for a Westpac Choice Student account. If you do not satisfy the eligibility requirements, we may convert the Westpac Choice Student account into another account. We will inform you prior to account conversion.
  • 3. A Debit MasterCard ® or Handycard comes free with your account. A Debit MasterCard ® will only be issued if the customer meets the eligibility criteria. Customers must be over 18 years of age and have an Australian residential address to be eligible for the card. If you're not eligible for a Debit MasterCard ® and you're over 12, you can request a Handycard.
  • 4. Non-Westpac/St.George/BankSA 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 the next business day) of the transaction and itemised separately on your statement.
  • 5. Nil for cash withdrawals from participating Global ATM Alliance partners in designated countries. For more information, read Accessing your accounts overseas. 
  • 6. 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); or
  • 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 0.2% Westpac On-Charged Scheme Fee).
  • 7.Customers must be over the age of 18.
  • Adobe Acrobat Reader
    To view PDF files you need Adobe Acrobat Reader. Use Adobe's online PDF conversion tools to convert to another format.
  • BPAY® is a registered trademark of BPAY Pty Ltd ABN 69 079 137 518.
  • MasterCard® and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated.

Rates

There is no interest for this account.

View Westpac Choice Student essentials

Related documents

Deposit Accounts for Personal and Self Managed Superannuation Fund Customers - Terms and Conditions (PDF 585kb)

Things you should know
  • 1. Account access is restricted when a customer is under 12. Fees and charges may be payable. Terms and Conditions apply. These may be varied, or new Terms and Conditions introduced in the future. See our comparison table for a list of current interest rates and fees. Daily transactional limits apply.
  • 2. We may require proof of your eligibility for a Westpac Choice Student account. If you do not satisfy the eligibility requirements, we may convert the Westpac Choice Student account into another account. We will inform you prior to account conversion.
  • 3. A Debit MasterCard ® or Handycard comes free with your account. A Debit MasterCard ® will only be issued if the customer meets the eligibility criteria. Customers must be over 18 years of age and have an Australian residential address to be eligible for the card. If you're not eligible for a Debit MasterCard ® and you're over 12, you can request a Handycard.
  • 4. Non-Westpac/St.George/BankSA 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 the next business day) of the transaction and itemised separately on your statement.
  • 5. Nil for cash withdrawals from participating Global ATM Alliance partners in designated countries. For more information, read Accessing your accounts overseas. 
  • 6. 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); or
  • 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 0.2% Westpac On-Charged Scheme Fee).
  • 7.Customers must be over the age of 18.
  • Adobe Acrobat Reader
    To view PDF files you need Adobe Acrobat Reader. Use Adobe's online PDF conversion tools to convert to another format.
  • BPAY® is a registered trademark of BPAY Pty Ltd ABN 69 079 137 518.
  • MasterCard® and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated.

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