| Variable interest rate is calculated daily on your account balance: | |
| On the part of the balance up to $9,999 | 0.05% p.a. |
| On the part of the balance above $9,999 to $49,999 | 1.70% p.a. |
| On the part of the balance above $49,999 to $249,999 | 2.05% p.a. |
| On the part of the balance above $249,999 | 2.65% p.a. |
Payments your way - Use your Debit Mastercard® for fast, secure payments online and in-store.
Lock your card - Can’t find your card? Don’t panic. Temporarily lock it in seconds while you search.
Instant Digital Card - Use your digital card right away, before your physical Debit Mastercard® arrives. Add your debit card to your mobile wallet or use it in the Westpac App.
Australia’s Best Banking App[#] - Anytime, anywhere banking. It’s an easy, secure and convenient way to bank.
Exclusive offers - Check out our customer-only discounts and offers, including bonus Cashback on over 4,000 brands with ShopBack.
| Standard fees (fees may change) | Amount |
| Account-Keeping Fee (monthly) | $0 |
| Other 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) | $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 | 2.20% of the AUD transaction amount |
Layers of defence - Stay safe online and use our Digital Card with dynamic CVC that updates every 24 hours, Card Lock, Smart Verify and SafeBlock.
Mastercard® is a registered trademark and the circles design is a trademark of Mastercard International Incorporated.
PayID® is a registered trademark of NPP Australia Limited and any use of its marks by Westpac is under license.