Westpac Choice for migrants

An everyday bank account with features designed for people moving to Australia or who have recently arrived. Open up to 12 months before you arrive.
  •  

    Westpac Choice

    for migrants


    Open in less than 3 minutes

    Get started
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    Give us a call

Essentials

With a Westpac Choice account enjoy:

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$0 monthly service fee for the first 12 months (other fees apply)

 

Online and Mobile Banking offering a range of enhanced features to help bank on the go1



No withdrawal fee at over 3,000 Westpac, St.George, Bank of Melbourne and BankSA ATMs in Australia

 

 

Westpac Choice account comes with the following services to help you bank with ease:

apn_bankwow_tick.jpg Westpac Debit MasterCard® 2 if you live in Australia 

apn_bankwow_tick.jpg Westpac Online Banking + Mobile Banking

apn_bankwow_tick.jpg eStatements for easier banking

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Things you should know
  • Before making a decision about any of our products or services, please read all the terms and conditions. Fees and charges apply and may change.

    1) You will be required to complete an identity check prior to being able to make withdrawals from your account.

    2) Debit MasterCard holders need to be at least 16 years of age, and have an Australian residential address to be eligible for the card. If you're not eligible for a Debit MasterCard, apply for a Handycard to access your account.

Features

Getting the most out of your transaction account

  • Awarded 5 stars in 2014 for Outstanding Value for a Transactor-Full Service account by CANSTAR, an independent financial data provider
  • With purchases using your Debit MasterCard® Fraud Money Back Guarantee1 ensures that any unauthorised transaction claims will be reimbursed provided that the cardholder has not contributed to the loss and contacted us promptly
  • Get Cash2 without your debit card from Westpac branded ATMs in Australia. Get a cash code through mobile banking or by calling us
  • Can be used as a 100% interest offset account when linked to your Westpac Rocket Repay Home Loan or Rocket Investment Loan.

Fees

Standard fees (fees may change)Amount

Monthly service fee. This fee is waived if:

  • You are a migrant or expatriate customer (for the first 12 months) OR
  • You deposit at least $2,000 each month.
$5 (unless waived)
Online Banking withdrawal $0
Telephone Banking withdrawal (automated or staff assisted)$0
POS$0
Westpac, St.George, BankSA, Bank of Melbourne ATM withdrawal$0
Non-Westpac, St.George, BankSA, Bank of Melbourne ATMs within Australia cash withdrawal or balance enquiry - however the ATM owner may apply an ATM operator fee$0
Cheques written$0
Direct debit$0
Periodical payments (Additional fees apply for periodical payments made by bank cheque and international periodical payments)$0
Branch staff assisted withdrawal$0
eStatements$0
Overseas ATM balance enquiry from a non-Global Alliance Partner ATM$0
Overseas ATM balance enquiry from a Global Alliance Partner ATM$0
Overseas ATM cash withdrawal from a non-Global Alliance Partner ATM$5
Overseas ATM cash withdrawal from a Global Alliance Partner ATM$0
Dishonour of cheques written or direct debits$9 
Periodical payment not made fee $9 
Account overdrawn fee $9 
Westpac Foreign Transaction Fee Depends on transaction type - see below

Westpac Foreign Transaction Fee

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 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).
 
Global Alliance Partners

For more information on participating Global Alliance Partners in designated countries, see Accessing your accounts overseas.

Credit Cardholders who currently withdraw money from linked Westpac account via credit card, it is important to know that this functionality may not be available when using overseas ATMs, including Global Alliance ATMs. To ensure access to Savings and/or Cheque account funds when overseas please speak to us about obtaining a Debit MasterCard®. Go to our Debit MasterCard page or visit a Westpac branch. Terms and Conditions and Fees and charges may apply.