Westpac Choice

Westpac Choice is an award winning everyday bank account that provides easy access to your money worldwide.
Acces your money without having to pay withdrawal fees¹, here and overseas, through our Global ATM alliance
  •  

    Westpac Choice

    It only takes 5 - 10 minutes

    Open account

Essentials

No withdrawal fee1 when you withdraw money from any ATM within the Westpac Group or our Global ATM Alliance;

  • Westpac Group offers more than 3,000 ATMs within Australia, including Westpac, St George, Bank of Melbourne and Bank SA ATMs.
  • Our Global ATM Alliance provides you with access to more than 50,000 ATMs, including Barclays, Deutsche, Bank of America and more. Please refer westpac.com.au/unstoppableyou for more details
  • If your debit card is lost or stolen you can still get your cash out from Westpac ATMs. Just call us anytime on 132 032 and ask for Emergency Cash

$0 monthly service fee if you deposit at least $2,000 each month (other fees apply) or if any of the following apply:

Multiple ways to access your bank account and your money;

  • Online Banking
  • Mobile Banking
  • Telephone Banking
  • Debit MasterCard or Handycard
  • Cheque
  • BPAY®
  • Branch
  • ATMs
  • Emergency Cash at select Westpac ATMs
  • Tap and pay with a compatible Samsung mobile
  •  

    Westpac Choice

    It only takes 5 - 10 minutes

    Open account
  •  

    1300 558 724

    8am-8pm, 7 days a week

  •  

    Visit us
    Find a branch
Things you should know
    1. A 3% Westpac Foreign Transaction Fee applies to overseas debit or credit card withdrawals.  A 2% cash advance fee applies to credit card withdrawals where the "Credit" option is selected, Some Global Alliance ATMs require you to select the "credit" option.  A list of Global Alliance members is available at westpac.com.au/unstoppableyou. Excludes American Express cards.
    2. Subject to system availability.

    No interest is paid on balances in this account. Check the terms and conditions for the maximum amount you can withdraw each day.

    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.

    Who can apply for a Debit MasterCard?

    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.

  • MasterCard® and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated. 

  • BPAY® is a registered trademark of BPAY Pty Ltd ABN 69 079 137 518.

Features

Why a Westpac Choice bank account?

1. Access your money anywhere, anytime with a Westpac Debit MasterCard®

Linking a Debit MasterCard to your a Choice account gives you;

  • Overseas access to our Global ATM alliance where you can get cash without paying the withdrawal fee1 at more than 50,000 ATMs  
  • Access to more than 3,000 ATMs throughout Australia where no withdrawal fee applies
  • The ability to shop worldwide using your own money, online or in person,
  • The ability to tap and pay for everyday purchases using a compatible Samsung mobile

2. Help when you need it most

  • If your debit card is lost or stolen you can still get  your cash out from Westpac ATMs.  Just call us anytime on 132 032 and ask for Emergency Cash
  • We are available when you need help  in an emergency 24/7 in Australia and overseas through  our Australian-based contact centre.

3. Easy ways to access your account, with unlimited electronic access2

  • Simply register for Online/Mobile Banking and/or Telephone Banking in order to manage your account when it suits you
  • Choose eStatements as a convenient way of seeing 7 years of account activity

Plus, Westpac Choice bank account

  • Was awarded 5 stars in 2013 for outstanding value for a Transactor - Full Service account by CANSTAR, an independent financial data provider
  • Can be used as a 100% interest offset account when linked to your Westpac Rocket Repay Home Loan or Rocket Investment Loan
  •  

    Westpac Choice

    It only takes 5 - 10 minutes

    Open account
  •  

    1300 558 724

    8am-8pm, 7 days a week

  •  

    Visit us
    Find a branch
Things you should know
    1. A 3% Westpac Foreign Transaction Fee applies to overseas debit or credit card withdrawals.  A 2% cash advance fee applies to credit card withdrawals where the "Credit" option is selected, Some Global Alliance ATMs require you to select the "credit" option.  A list of Global Alliance members is available at westpac.com.au/unstoppableyou. Excludes American Express cards.
    2. Subject to system availability.

    No interest is paid on balances in this account. Check the terms and conditions for the maximum amount you can withdraw each day.

    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.

    Who can apply for a Debit MasterCard?

    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.

  • MasterCard® and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated. 

  • BPAY® is a registered trademark of BPAY Pty Ltd ABN 69 079 137 518.

Fees

Standard fees (fees may change) Amount

Monthly service fee

This fee is waived if:

$5 (unless waived)
Online Banking withdrawal $0
Telephone Banking withdrawal (automated or staff assisted) $0
EFTPOS $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.

  •  

    Westpac Choice

    It only takes 5 - 10 minutes

    Open account
  •  

    1300 558 724

    8am-8pm, 7 days a week

  •  

    Visit us
    Find a branch

Rates

There is no interest for this account.

View Westpac Choice essentials 

  •  

    Westpac Choice

    It only takes 5 - 10 minutes

    Open account
  •  

    1300 558 724

    8am-8pm, 7 days a week

  •  

    Visit us
    Find a branch