WESTPAC CHOICE BANK ACCOUNT WITH DEBIT CARD
Westpac Choice is our most popular account. A simple-to-use everyday bank account. Now, when you open both a Choice everyday account and savings account together, you could earn $50 cashback. Read on to find out how.
Get outstanding value with an award-winning account
Westpac Choice transaction account with a Debit Mastercard® voted:
- Canstar's Outstanding Value for Transaction Accounts 2024-2026
- WeMoney Winner 2025 for Best Quality - Transaction Accounts
You could earn
$50
Cashback with a new account
If you open a new Westpac Choice everyday account and an eligible savings account between 9 June and 30 September 2026, here's how you could get $50:
- Spend at least $50 on your debit card within 15 days of opening on eligible purchases
- You must not have held any Westpac transaction account or savings account in the last 2 years
- Accounts must be in your name only (no joint accounts).
See all FAQs
This promotion runs from 9 June 2026 to 30 September 2026.
To be eligible you must:
- 18+ and have not held any transaction account or savings accounts with Westpac in the last 2 years from the date the last transaction or savings account closure.
- Open a new Westpac Choice account AND, either a Westpac Life OR Westpac eSaver. Accounts must be in the same name, activated and ready to use.
- Make eligible purchases totalling at least $50 using the debit card linked to your Westpac Choice account within 15 calendar days of the first account being opened. Transaction(s) must be processed (not pending) by the end of the 15th day.
- Transaction(s) must be customer-initiated and does not include interest payments, direct debits or internal transfers between your Westpac accounts.
- Keep the account open for a minimum of 60 days after you meet all other eligibility criteria.
- Hold the accounts in one name only. These accounts cannot be joint accounts.
If you meet the above:
- You're eligible for a one-time $50 payment.
- The $50 payment will be made to your Westpac Life or Westpac eSaver account within 60 days of you meeting all Terms and Conditions and eligibility criteria.
- If you open more than one Westpac Life or Westpac eSaver account, the $50 payment will only be made once into the first savings account opened and activated.
- This promotion may be varied or withdrawn at any time. It is not available in conjunction with any other offer unless otherwise stated.$0
Monthly and withdrawal fees
- No Account-Keeping Fees for at least 12 months. Then, for deposits of $2,000 a month or eligible customers (details in fees section)
- No cash withdrawal fees from Westpac and select partner ATMs
- Unlimited transactions and account enquiries.
The choice for easy day-to-day banking and more
Savings finder
This handy tool helps you keep track of what you spend each year on subscriptions and bills, so you can find ways to save money.
Instant Digital Card®
Before you get your Debit Mastercard® use the digital version in the Westpac App. Then, add it to your mobile wallet.
Home loan savings
Link one or more Choice accounts to your eligible Westpac home loan to help reduce the interest you’ll pay.
Get exclusive offers
Make full use of our customer-only discounts and cashback offers, including special ShopBack deals.
Smart Budgeting and savings tools
Secure your account with SafeBlock
Save time, apply online
It pays to shop via ShopBack in the Westpac App
Earn Cashback on over 4,000 brands with ShopBack. Link an eligible Westpac debit or credit card for special deals and Bonus Cashback when you shop online or in-store.
Account fees
| Standard fees (fees may change) | Amount |
|---|---|
|
Account-Keeping Fee (monthly)
|
$5 |
The monthly fee is waived for:
|
Open a new Westpac Choice account online between 1 February 2024 and 30 September 2026 to have the monthly Account-Keeping Fee waived for the first 12 months. At the end of the 12-month period, the monthly Account-Keeping Fee (currently $5) will apply unless the minimum monthly deposit criteria are met. Individual(s) under the age of 41, New Arrivals, and students are ineligible for this Offer. This offer is not applicable to the Westpac Choice Concession account. For joint accounts, individuals must meet the eligibility criteria for the fee waiver to apply. Other fees and charges, terms and conditions apply to the Westpac Choice account. This offer may be repeated from time to time, withdrawn, varied, or extended at any time.
| Standard fees (fees may change) | Amount |
|---|---|
| Online Banking withdrawal (including Mobile Banking) | $0 |
| Telephone Banking withdrawal (self service) | $0 |
| Telephone Banking withdrawal (staff assisted) | $0 |
| Branch staff assisted withdrawal | $0 |
| Direct Debit | $0 |
| Point of Sale (POS) transactions | $0 |
| ATM cash withdrawals in Australia (ATM providers may charge a fee – watch out for that!) | $0 |
| Overdrawn Fee (for more information: Overdraw Preference Feature) | $15 |
| Unarranged Lending Rate (ULR) is a debit interest rate charged to a transaction account if it becomes overdrawn without arrangement | 15.01% p.a. |
| Overseas Withdrawal Fee from a Global Alliance Partner ATM (for more information on Global Alliance Partners: Accessing your accounts overseas) | $0 |
| Overseas Withdrawal Fee from a non-Global Alliance Partner ATM | $5 |
| Transactions made in foreign currency, and the merchant or financial institution is located outside Australia | 3% of the AUD transaction amount |
| Transactions made in foreign currency, and the merchant or financial institution is located in Australia | 2.2% of the AUD transaction amount |
Other fees and charges may apply. Please refer to the Terms and Conditions (PDF 749KB)
This account doesn’t earn interest. If you’d like to earn interest, you can open a savings account at the same time. Find out how
Spend & Save with Westpac
You could earn up to 5.75% p.a. variable interest on your first $150,000 of savings with a Life Savings and Choice bank account. 18-40 year olds only. T&Cs and exclusions apply.
An account that works for your needs
-
YOUTH EVERYDAY ACCOUNT
You could double your $50 when you deposit $50
- Tick - Choose a Westpac Choice Youth account and if you're 8 or older link a debit card to the account. You'll be able to get cash at ATMs or spend online or in-store.
-
NEW TO AUSTRALIA? BANK ACCOUNT WITH DEBIT CARD
Spend $50 and you could get $50 cashback
- Tick - With a Westpac Choice account pay no Account-Keeping Fees for a year. Full-time international student? Pay no Account-Keeping Fees while you study.
-
STUDENT OR YOUNG ADULT? BANK ACCOUNT WITH DEBIT CARD
Spend $50 and you could get $50 cashback
- Tick - Keep your finances in check with Westpac Choice. Get convenient banking with no monthly fees for those under 30 or full-time tertiary students.
-
INTERNATIONAL STUDENT? BANK ACCOUNK WITH DEBIT CARD
Spend $50 and you could get $50 cashback
- Tick - With a Westpac Choice account pay no monthly fees if you’re studying full-time. Receive money from family overseas, pay for things you need, and use your debit card to shop online or in stores.
-
WESTPAC 55+ AND RETIRED ACCOUNT
Spend $50 and you could get $50 cashback
- Tick - Combines the benefits of a transaction and a savings account in one. Includes a linked Debit Mastercard® for secure payments. Earn interest like a savings account—and pay $0 Account-Keeping Fees.
-
CONCESSION BANK ACCOUNT WITH DEBIT CARD
Spend $50 and you could get $50 cashback
- Tick - For holders of a Concession or Health Care card, benefit recipients, or low- or no-income earners. A Westpac Choice Concession account has no monthly or overdrawn fees.
-
JOINT BANK ACCOUNT WITH DEBIT CARD
- Tick - A Westpac Choice everyday joint account is packed with features and includes a linked debit card for each account holder. Open one together online.
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FIRST NATIONS BANKING
- Tick - Wherever you are on Country our mob are ready to help and support you with all your banking needs. We can even arrange a free translator in some languages to make things easy.
Help when you need it
Things you should know
Before making a decision about any of our products or services, please read all the terms and conditions and consider whether the product or service is right for you. Fees and charges apply and may change.
Protected by the Financial Claims Scheme (FCS): If you have a Westpac deposit account, in certain circumstances you may be entitled to a payment under the FCS. Payments under the FCS are limited for each customer. You can find out more information from the APRA website at www.fcs.gov.au.
PayID® is a registered trademark of NPP Australia Limited and any use of its marks by Westpac is under license.