Westpac Banking Corporation

Bank accounts

Westpac Choice

Essentials

  • Unlimited transactions1 on your account
  • 2011 award winning CANSTAR CANNEX 5-Star High Transactor-Full Service account, representing 'outstanding value'
  • No monthly service fee2 if you deposit at least $2,000 each month (such as your salary)
  • 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 ® 3
  • Access to over 2,800 Westpac, St.George, and BankSA ATMs
  • Optional paperless eStatements
  • Can be used as a 100% interest offset account when linked to your Westpac Rocket Repay Home Loan or Rocket Investment loan.
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Apply for Westpac Choice now

Did you know?

Adding a Debit MasterCard to your Westpac Choice Account will allow you to make purchases overseas, online and over the phone - at over 30 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. 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. If the account is part of a Westpac Plus Package the monthly service fee is $7.00.
  • 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®, you’ll be offered a Handycard to access your account.
  • 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. 
  • 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

CANSTAR CANNEX 5 star rating

CANSTAR CANNEX is an independent benchmarking agency that compares day to day accounts based on rates and features. Their highest rating – 5 star – represents “outstanding value” in the High Transactor-Full Service account category, which means your 5-star Westpac Choice account is in their words, “a guaranteed high-performance product”.

Cannex_outstanding_value_Transaction

Westpac Choice offers multiple ways to access your money

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

Add a Debit MasterCard ®3

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 Choice also 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. 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. If the account is part of a Westpac Plus Package the monthly service fee is $7.00.
  • 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®, you’ll be offered a Handycard to access your account.
  • 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. 
  • 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
The $5.00 monthly service fee will be waived if customer initiated deposits of at least $2,000 have been made by the last business day of each month 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
Cheques written 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 4 
Overseas ATM cash withdrawal 5  $5.00
Overseas ATM balance enquiry  NIL
Dishonour of cheques written or direct debits $9 
Periodical payment not made fee  $9 
Account overdrawn fee  $9 

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. 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. If the account is part of a Westpac Plus Package the monthly service fee is $7.00.
  • 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®, you’ll be offered a Handycard to access your account.
  • 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. 
  • 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 essentials 

Related documents

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

Things you should know
  • 1. 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. If the account is part of a Westpac Plus Package the monthly service fee is $7.00.
  • 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®, you’ll be offered a Handycard to access your account.
  • 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. 
  • 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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