Westpac Banking Corporation

Bank accounts

Basic Account

Essentials

  • No monthly service fee 1
  • Your Australian social security benefits need to be paid into this account
  • You also need to hold a current Pensioner Concession or Health Care card 
  • You're entitled to one Basic account
  • Unlimited transactions1 across Westpac branches, Westpac/St.George/BankSA branded ATMs, EFTPOS, Telephone Banking and Online Banking
  • Multiple ways to access your money
  • Option to link a Westpac Debit MasterCard ® 2
  • Access to over 2,800 Westpac, St.George, and BankSA ATMs
  • Optional paperless eStatements.
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Apply for Basic Account now

Did you know?

Adding a Debit MasterCard ® to your Basic Account will allow you to make purchases overseas, online - at over 28 million locations worldwide.

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Accounts for my day to day banking

Related documents

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

Things you should know
  • 1. Some 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. 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®, you'll be offered a Handycard to access your account.
  • 3. 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.
  • 4. Nil for cash withdrawals from participating Global ATM Alliance partners in designated countries. For more information, read Accessing your accounts overseas. 
  • 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.

Features

Multiple ways to access your money

  • ATMs - over 2,800 Westpac, St.George and BankSA locations
  • Telephone Banking
  • Online Banking
  • EFTPOS
  • Debit MasterCard ® or Handycard
  • Branch
  • BPAY ®

Add a Debit MasterCard ®2

A Westpac Debit MasterCard  gives you more ways to access your own money, in more places. It’s a debit card, not a credit card, which is linked to your personal bank account. So when you make purchases or withdraw cash, you access money in your account.

With a Westpac Debit MasterCard you can access your own money for purchases online, over the phone and even overseas. You can use your own funds and withdraw cash at millions of locations worldwide where MasterCard is accepted.
 

eStatements

Westpac Basic offers paperless eStatements, which not only helps the environment but provides ready access to 7 years of account activity. You’re simply sent an email each month, and you sign in to Online Banking to view your statement.

Related documents

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

Things you should know
  • 1. Some 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. 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®, you'll be offered a Handycard to access your account.
  • 3. 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.
  • 4. Nil for cash withdrawals from participating Global ATM Alliance partners in designated countries. For more information, read Accessing your accounts overseas. 
  • 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
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
Direct debit NIL
Branch staff assisted withdrawal NIL
eStatements NIL
Non-Westpac/St.George/BankSA branded ATMs within Australia (cash withdrawal or balance enquiry)  NIL 3 
Overseas ATM cash withdrawal 4  $5.00 
Overseas ATM balance enquiry  NIL 
Dishonour of cheques written or direct debits  NIL 
Periodical payment not made fee  NIL 
Account overdrawn fee  NIL 
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).  		 
Related documents

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

Things you should know
  • 1. Some 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. 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®, you'll be offered a Handycard to access your account.
  • 3. 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.
  • 4. Nil for cash withdrawals from participating Global ATM Alliance partners in designated countries. For more information, read Accessing your accounts overseas. 
  • 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 Basic Account essentials

Related documents

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

Things you should know
  • 1. Some 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. 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®, you'll be offered a Handycard to access your account.
  • 3. 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.
  • 4. Nil for cash withdrawals from participating Global ATM Alliance partners in designated countries. For more information, read Accessing your accounts overseas. 
  • 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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