WESTPAC CHOICE BANK ACCOUNT WITH DEBIT CARD
Westpac Choice is our most popular account. A simple-to-use everyday bank account packed with features. Open now, spend $50 and you could get $50 cashback! Read on to find out how.
Get outstanding value with an award-winning account
Voted Canstar's Outstanding Value for Transaction Accounts 2024/2025.
You could earn
$50
Cashback with a new account
If you open a Westpac Choice account by 31 March 2026, here's how you could get $50:
- Add your Debit Mastercard® to your mobile wallet. Then, within 15 days of opening your account, spend a total of $50 or more. Payments must be in-person and contactless.
This promotion runs from 30 June 2025 to 31 March 2026.
To be eligible you must:
- Be 18 years of age or older
- Not have held a transaction account with Westpac in the last 2 years (applies to both account holders for joint accounts)
- Open a new Westpac Choice account (excludes Concession account) with a linked Westpac Debit Mastercard
- Add your new Westpac Debit Mastercard to a mobile wallet. Then, within 15 days of opening your new account use it to make in-person contactless payments that:
- Total $50 or more
- Are settled (not pending).
- Keep the account open for a minimum of 60 days after your eligible contactless payment.
Transactions that are not eligible:
- Using the physical card in-store, online or in-app
- ATM transactions
- BPAY
- EFTPOS cash out only transactions
- Gambling transactions
- Transactions made by credit card.
If you meet the above:
- You're eligible for a one-time $50 payment, regardless of the number of accounts you hold
- The $50 payment will be made to your Westpac Choice account within 60 days of you meeting all Terms and Conditions and eligibility criteria.
- If you open more than one Westpac Choice account, the $50 cashback will be made to one account only. It will be to the first one opened and active, whether a sole or joint account.
$0
Monthly and withdrawal fees
- No Account-Keeping Fees for at least 12 months. Then, for deposits of $2,000 a month or eligible customers (details in fees section)
- No cash withdrawal fees from Westpac and select partner ATMs
- Unlimited transactions and account enquiries.
The choice for easy day-to-day banking and more
Savings finder
This handy tool helps you keep track of what you spend each year on subscriptions and bills, so you can find ways to save money.
Instant Digital Card®
Before you get your Debit Mastercard® use the digital version in the Westpac App. Then, add it to your mobile wallet.
Home loan savings
Link one or more Choice accounts to your eligible Westpac home loan to help reduce the interest you’ll pay.
Get exclusive offers
Make full use of our customer-only discounts and cashback offers, including special ShopBack deals.
SMART BUDGETING AND SAVINGS TOOLS
LAYERS OF SCAM AND FRAUD PROTECTION
Save time, apply online
It pays to shop via ShopBack in the Westpac App
Earn Cashback on over 4,000 brands with ShopBack. Link an eligible Westpac debit or credit card for special deals and Bonus Cashback when you shop online or in-store. T&Cs apply.
Account fees
Open a new Westpac Choice account online between 1 February 2024 and 30 September 2026 to have the monthly Account-Keeping Fee waived for the first 12 months. At the end of the 12-month period, the monthly Account-Keeping Fee (currently $5) will apply unless the minimum monthly deposit criteria are met. Individual(s) under the age of 30, New Arrivals, and students are ineligible for this Offer. This offer is not applicable to the Westpac Choice Concession account. For joint accounts, individuals must meet the eligibility criteria for the fee waiver to apply. Other fees and charges, terms and conditions apply to the Westpac Choice account. This offer may be repeated from time to time, withdrawn, varied, or extended at any time.
| Standard 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 – watch out for that!) | $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 | 2.2% of the AUD transaction amount |
Other fees and charges may apply. Please refer to the Terms and Conditions (PDF 643KB)
This account doesn’t earn interest. If you’d like to earn interest, you can open a savings account at the same time. Find out how
Aged 18-34?
You could earn up to 5.00% p.a. variable interest on your first $30,000 savings with a Life Savings and Choice bank account. T&Cs and exclusions apply.
An account that works for your needs
-
YOUTH EVERYDAY ACCOUNT
- Tick - Choose a Westpac Choice Youth account and if you're 8 or older link a debit card to the account. You'll be able to get cash at ATMs or spend online or in-store.
-
NEW TO AUSTRALIA? BANK ACCOUNT WITH DEBIT CARD
Spend $50 and you could get $50 cashback
- Tick - With a Westpac Choice account pay no Account-Keeping Fees for a year. Full-time international student? Pay no Account-Keeping Fees while you study.
-
STUDENT OR YOUNG ADULT? BANK ACCOUNT WITH DEBIT CARD
Spend $50 and you could get $50 cashback
- Tick - Keep your finances in check with Westpac Choice. Get convenient banking with no monthly fees for those under 30 or full-time tertiary students.
-
INTERNATIONAL STUDENT? BANK ACCOUNK WITH DEBIT CARD
Spend $50 and you could get $50 cashback
- Tick - With a Westpac Choice account pay no monthly fees if you’re studying full-time. Receive money from family overseas, pay for things you need, and use your debit card to shop online or in stores.
-
WESTPAC 55+ AND RETIRED ACCOUNT
- Tick - Combines the benefits of a transaction and a savings account in one. Includes a linked Debit Mastercard® for secure payments. Earn interest like a savings account—and pay $0 Account-Keeping Fees.
-
CONCESSION BANK ACCOUNT WITH DEBIT CARD
- Tick - For holders of a Concession or Health Care card, benefit recipients, or low- or no-income earners. A Westpac Choice Concession account has no monthly or overdrawn fees.
-
JOINT BANK ACCOUNT WITH DEBIT CARD
Spend $50 and you could get $50 cashback
- Tick - A Westpac Choice everyday joint account is packed with features and includes a linked debit card for each account holder. Open one together online.
-
FIRST NATIONS BANKING
- Tick - Wherever you are on Country our mob are ready to help and support you with all your banking needs. We can even arrange a free translator in some languages to make things easy.
Help when you need it
Things you should know
Before making a decision about any of our products or services, please read all the terms and conditions and consider whether the product or service is right for you. Fees and charges apply and may change.
Protected by the Financial Claims Scheme (FCS): If you have a Westpac deposit account, in certain circumstances you may be entitled to a payment under the FCS. Payments under the FCS are limited for each customer. You can find out more information from the APRA website at www.fcs.gov.au.
PayID® is a registered trademark of NPP Australia Limited and any use of its marks by Westpac is under license.