What you’re opening
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Westpac Choice Concession
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Summary
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Overview
Westpac Choice Concession
  • A basic, low-cost account with a Debit Mastercard®[#] to make deposits and withdrawals, payments online or on the Westpac App
  • For individuals who are Concession or Health Care card holders, those who receive an eligible payment, or those who receive a low income or have no income
  • $0 Account-keeping fee and $0 Overdrawn fee or debit interest (other fees may apply)
  • You’re at least 14 years old with an Australian residential address.
Confirm details
What kind of account do you need?
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Single
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single
Joint
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joint
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  • single
Are you already a Westpac customer?
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Yes
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No
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  • joint
Are you already a Westpac customer?
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Yes
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jy
No
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jn
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What to have handy
Your Westpac Online Banking sign in details.
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What to have handy
  • Your Westpac Online Banking sign in details.
  • You’ll need to be registered for Westpac Protect SMS Code. We’ll send an SMS Code to both applicants before you open your account.
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What to have handy
Your mobile
A secure code will be sent to your mobile to verify your phone number.
At least 1 of these ID documents
  • Passport
  • Australian driver license
  • Australian birth certificate
  • Medicare card (can only be used in conjunction with a second form of ID)

If your details are entered incorrectly or we’re unable to identify you, your application will need to be completed in branch.

If you’re Aboriginal or Torres Strait Islander and don't have the required documents, call our Indigenous Call Centre on 1800 230 144 Monday to Friday 9am – 6:30pm ACST or visit your nearest branch.

Foreign tax details
Only applicable if you're liable to pay tax in another country.

By continuing you agree

To begin, you acknowledge:

  • You have read our Privacy Statement which explains how we collect, use and disclose your personal information, including marketing communications which we send to you.
  • You have read our Financial Services Guide which provides important information on the financial services and products we offer as a financial services licensee.

By opening the account, you agree:

By continuing you agree

To begin, you acknowledge:

  • You have read our Privacy Statement which explains how we collect, use and disclose your personal information, including marketing communications which we send to you.
  • You have read our Financial Services Guide which provides important information on the financial services and products we offer as a financial services licensee.

By opening the account, you agree:

  • To the Deposit Accounts for Personal Customers Terms and Conditions and the Online Banking Terms and Conditions that apply to the products and services you are applying for.

  • To us sending you a Debit Mastercard® and linking it to your account, as set out in the Westpac Debit Mastercard Terms and Conditions.

  • To provide your consents to the actions we may take in processing your application including:

    • for us to contact you about this application
    • for you to receive communications about your account, as well as account statements and terms and conditions electronically. You may change your communication preferences in Online Banking or by contacting us at any time. If you are not registered for Online Banking, you will receive account statements in paper form.
  • To acknowledge your obligations relating to Anti-Money Laundering/Counter-Terrorism Funding requirements and our other reporting obligations if you are a foreign tax resident.

  • To hold the account in joint names (to open an account in trust you’ll need to visit a branch).

  • That you have permission to give us personal information about any joint applicants.

  • That both account holders can transact on the account individually, for example, withdraw funds without permission from the other account holder.

Ready to get started?
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Other options

Are you 55 years or over and retired? You may be eligible for a Westpac 55+ and Retired account.

Things you should know

Am I eligible?

To be eligible for this account with certain features applied (e.g. waiver of account –keeping fees), you’ll need to hold a Concession or Health Care card, receive an Australian Government benefit payment or be a low or no income earner. A list of eligible payments can be found at Service Australia and Department of Veterans' Affairs.

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