Debit Mastercard
Westpac Debit Mastercard® lets you access your own money in more places, with added security.
- Shop online or in person worldwide using money from your bank account
- Use contactless payments technology to shop safely with ease and convenience
- Set up Apple Pay and Google PayTM to pay using your compatible mobile device[#]
- Link up to 2 eligible Westpac bank accounts to your debit card
- Use your digital card in the Westpac App while waiting for your physical card to arrive. The CVC refreshes every 24 hours for extra security.
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ATM network at home and overseas
No ATM withdrawal fee at any major bank ATM in Australia and around the world via the Global ATM Alliance and partner ATMs (other fees may apply)[#]
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Cardless Cash
Withdraw cash from a Westpac-branded ATM via the app – no physical card needed with Cardless Cash.
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Fraud Money Back Guarantee
Shop securely with your debit card. We’ve got your back with 24/7 monitoring for fraudulent transactions and our Fraud Money Back Guarantee[#]
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Card on hold
Can’t find your debit card? Don’t worry – with Card on Hold, in seconds you can temporarily lock it while you search[#]
How to get a debit card
Choose the account below that matches your circumstances. A Westpac Debit Mastercard®can be linked to up to 2 of these transaction accounts:
- Westpac Choice
- Westpac Choice - Youth (8 years+)
- Westpac Choice - Students and young adults
- Westpac Choice - Concession account
- Westpac 55+ and Retired account
Eligibility criteria apply to these accounts.
Under 18? Here's how you can manage your money with a debit card
If you’re at least 8 years old, you can link a Debit Mastercard® to your Westpac Choice Youth account, giving a kick-start to your money skills with kid-friendly features that will help keep your money safe and secure.
The debit card is automatically linked when the account is opened, except for children under 14. For children 8-13, a parent or guardian must order their card separately.
- Weekly spend limit
So you don't spend all your money at once. The limit can be changed as you get more experience. - Card lock and unlock
Helps to keep your money safe if you’ve lost, misplaced or had your Debit Card stolen. - Spending restrictions
To help protect you, we may decline some transactions on your Westpac Debit Mastercard based on the type of merchant. While this adds an extra layer of protection, it may not prevent all transactions with higher risk merchants. - Parental notifications
Messages for parents or guardians about your account activity so they can guide and support you.
What’s the difference between debit cards and credit cards?
Both debit cards and credit cards can be used for instore and online purchases and setting up direct debits, but the way they work is different. When you use a debit card, you’re spending money that’s in your linked bank account.
Are debit cards free?
There’s no annual card fee for your Debit Mastercard, however account keeping fees may apply. Westpac does not charge fees for domestic purchases and withdrawals at participating ATMs. Cash withdrawals are free at ATMs around the world via the Global ATM Alliance and partner ATMs, though foreign transactions fees will apply.
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