Get up and running
Download the Westpac App to explore exclusive Westpac-only discounts, cashbacks, and deals.
Welcome to Westpac Choice
Get started with your new Westpac Choice account with Debit Mastercard®, for instant access to a world of rewards and savings, in the Westpac App.
Start using your Digital Card
There’s no need to wait for your physical card. Use the digital version in the Westpac App to spend online or download your Digital Card to your mobile wallet for in-store purchases.
Get access to sweet rewards
Your Westpac Debit Mastercard gives you exclusive discounts, cashbacks and attractive offers. Get a sweet deal from popular food, travel, home, fashion, tech and lifestyle brands.
Let’s get you banking anywhere, anytime
Got your Digital Card? Use the Westpac App to manage your Westpac Choice account on the go.
Make your first deposit
Start using your Westpac Choice account to manage your everyday banking. Discover a host of online options to transfer funds, make payments or set up repeat payments.
Keep track of spending
With the Westpac App Budget Tools, you control your money. View income vs expenses, track your monthly spending per category and spot saving opportunities.
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What else can I manage online?
Accounts
Access balances without signing in, manage notifications, nickname accounts, or update contact details.
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Cards
Activate a card, lock a missing card, report a card lost or stolen or request a replacement in Cards Hub.
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Transactions
Access details, search for past transactions and download a transaction or balance report when needed.
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Shopping
Save with cashbacks, offers and rewards when shopping online or get tips and advice on improving safety.
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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.
Bank account special offer
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Cashback offer
You could earn $50 cashback with a new account
If you open a new Westpac Choice everyday account and an eligible savings account between 9 June and 30 September 2026, here's how you could get $50:[#]
- Spend at least $50 on your debit card within 15 days of opening on eligible purchases
- You must not have held any Westpac transaction account or savings account in the last 2 years
- Accounts must be in your name only (no joint accounts).
Find out more
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Explore the Westpac app and security features
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Westpac App
Australia's #1 Banking App
Rest assured knowing the smart budgeting and savings tools on Australia's best banking app[#] can help you get more from your dollars.
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Spend&Save
Everyday banking and up to 5.75% p.a. on savings
Aged 18-40? You could earn bonus interest when you Spend&Save using a Westpac Life and Choice account together.
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Award-winning security
Secure your account with safeblock
Find out how Canstar's 2026 Innovation Excellence Award winner SafeBlock can help keep you safe when you need it most by locking your cards and account.
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Things you should know
Debit Mastercard®: Westpac Choice Youth account, the eligible card age is 8. For any other transaction account, the eligible card age is 14. You must have an Australian residential address.
Read the Apple Pay Terms and Conditions before making a decision and consider if it is right for you. To use Apple Pay you will need an eligible card and a compatible device with a supported operating system. See our Apple Pay FAQs for more information. Apple, the Apple logo, Apple Pay, Apple Watch and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.
Mastercard® is a registered trademark and the circles design is a trademark of Mastercard International Incorporated.
Apple, the Apple logo and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Android, Google Play and the Google Play logo are trademarks of Google LLC. Samsung and Samsung Pay are trademarks or registered trademarks of Samsung Electronics Co., Ltd.
PayID® and PayTo® are registered trademark of NPP Australia Limited.
The Westpac App is only available for use by Westpac Australia customers.
Internet connection is needed to access Westpac Mobile Banking app. Normal mobile data charges apply.
iPhone, iPad, iPod touch and Apple Watch are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a Service mark of Apple Inc.
Android, Google Play and the Google Play logo are trademarks of Google LLC.