Basic Account
Essentials
- No monthly service fee 1
- Available only to people in receipt of a government pension or government benefit paid to this account
- Unlimited transactions across Westpac branches, Westpac/St.George/BankSA branded ATMs, EFTPOS, Telephone Banking and Online Banking
- Optional paperless eStatements
- Option for Debit MasterCard ® 2.
How you can access your money
- ATM
- EFTPOS
- Debit MasterCard ® or Handycard
- Telephone Banking
- Online Banking
- Branch
- BPAY ®.
Confirming your eligibility
A Basic Account is available to customers who are holders of a current Pensioner Concession Card or Health Care Card and whose pension benefit is paid into the account.
Eligible customers are entitled to one Basic Account or Deeming Account only.
Add a Debit MasterCard ® to your account 2
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.
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.
- 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.
- 5. 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).
-
To view PDF files you need Adobe Acrobat Reader. Use Adobe's online PDF conversion tools to convert to another format. - BPAY ® Registered to BPAY Pty Ltd ABN 69 079 137 518.
- MasterCard® and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated.
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 |
| Fee | Amount |
|---|---|
| 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 |
| Westpac Foreign Transaction Fee |
Refer to footnote 5 |
| Dishonour of cheques written or direct debits | NIL |
| Periodical payment not made fee | NIL |
| Account overdrawn fee | NIL |
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.
- 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.
- 5. 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).
-
To view PDF files you need Adobe Acrobat Reader. Use Adobe's online PDF conversion tools to convert to another format. - BPAY ® Registered to 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.
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.
- 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.
- 5. 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).
-
To view PDF files you need Adobe Acrobat Reader. Use Adobe's online PDF conversion tools to convert to another format. - BPAY ® Registered to BPAY Pty Ltd ABN 69 079 137 518.
- MasterCard® and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated.
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.
