Westpac Choice
Essentials
- Unlimited transactions1 on your account
- Unlimited transactions1 across Westpac branches, Westpac/St.George/BankSA branded ATMs, EFTPOS, Telephone Banking and Online Banking
- $5 flat monthly service fee 2 waived if your minimum deposits are to the value of $2,000 within the month 3
- Account can be used as an interest offset account when linked to your Westpac Rocket Home or Investment loan
- Option to add Debit MasterCard ® 4
- Optional paperless eStatements.
How you can access your money
- ATM
- EFTPOS
- Debit MasterCard ® or Handycard
- Telephone Banking
- Online Banking
- Branch
- Cheque
- BPAY ®.
Add a Debit MasterCard ® to your account 4
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 account, you may be eligible for our Westpac Plus bank account package.
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. 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.
- 4. 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.
- 5. 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.
- 6. Nil for cash withdrawals from participating Global ATM Alliance partners in designated countries. For more information, read Accessing your accounts overseas.
- 7. 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 | $5.00 2 |
| Minimum monthly deposit to waive monthly service fee | Refer to footnote 3 |
| 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 |
| Fee | Amount |
|---|---|
| Non-Westpac/St.George/BankSA branded ATMs within Australia (cash withdrawal or balance enquiry) | NIL 5 |
| Overseas ATM cash withdrawal 6 | $5.00 |
| Overseas ATM balance enquiry | NIL |
| Westpac Foreign Transaction Fee |
Refer to footnote 7 |
| Dishonour of cheques written or direct debits | $9 |
| Periodical payment not made fee | $9 |
| Account overdrawn fee | $9 |
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. 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.
- 4. 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.
- 5. 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.
- 6. Nil for cash withdrawals from participating Global ATM Alliance partners in designated countries. For more information, read Accessing your accounts overseas.
- 7. 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.
View Westpac Choice essentials
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. 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.
- 4. 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.
- 5. 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.
- 6. Nil for cash withdrawals from participating Global ATM Alliance partners in designated countries. For more information, read Accessing your accounts overseas.
- 7. 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 Westpac Choice Account will allow you to make purchases overseas, online and over the phone - at over 28 million locations worldwide.
