Summary
Before you get started, here’s a quick recap of what you’re applying for:
The Westpac eSaver account comes with a Westpac Choice everyday account so you can easily transfer money in and out. We'll only open a Choice account if you don't already have one.
To open you'll need to be at least 14 years old with an Australian residential address. If you’re under 14, go to a branch with a parent or guardian.
Westpac eSaver
|
+
Westpac Choice (if you don't already have one)
Open a new Westpac Choice account by 31 March 2026. Add your Debit Mastercard® to your mobile wallet. Then, spend in-person a total of $50 or more on your mobile wallet to get $50 cashback. T&Cs apply.* |
What kind of account do you need?
Single
Joint
Are you currently living in Australia?
Yes
No
Are you already a Westpac customer?
Yes
No
What to have handy
- Your Westpac Online Banking sign in details.
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 (PDF 249KB) 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 (PDF 643KB) and the Online Banking Terms and Conditions (PDF 740KB) 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 (PDF 338KB).
- 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 including Anti-Money Laundering/Counter-Terrorism Funding requirements and our other reporting obligations if you are a foreign tax resident.
Ready to get started?
What to have handy
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 (PDF 249KB) 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 (PDF 643KB) and the Online Banking Terms and Conditions (PDF 740KB) 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 (PDF 338KB).
- 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 including Anti-Money Laundering/Counter-Terrorism Funding requirements and our other reporting obligations if you are a foreign tax resident.
Ready to get started?
You’ll need to be in Australia to open an account with us. Once you arrive, you’ll need to provide an Australian residential address and phone number.
Are you both currently living in Australia?
Yes
No
Are you already a Westpac customer?
Yes
No
What to have handy
- Your Westpac Online Banking sign in details.
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 (PDF 249KB) 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 (PDF 643KB) and the Online Banking Terms and Conditions (PDF 740KB) 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 (PDF 338KB).
- 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 including 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?
What to have handy
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 (PDF 249KB) 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 (PDF 643KB) and the Online Banking Terms and Conditions (PDF 740KB) 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 (PDF 338KB).
- 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 including 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?
You’ll need to be in Australia to open an account with us. Once you arrive, you’ll need to provide an Australian residential address and phone number.
Things you should know
1
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.
Westpac everyday account: To open a Westpac savings account, customers must hold a Westpac everyday account in the same name and be registered for Online and Phone Banking. Fees and charges may apply on the everyday account.
Mastercard® is a registered trademark and the circles design is a trademark of Mastercard International Incorporated.
ºIntroductory Fixed Rate and New Arrivals Fixed Bonus Rate
- Offer available from 5/12/2025 for a limited time only for customers who are new to Australia (arrived in the last 12 months). After 5 months, the standard variable interest rate, currently 1.00% p.a. will apply.
- Only available for new eSaver accounts opened by sole applicants who have never held an eSaver account before.
- Customers must hold a valid foreign issued identification document in our identification checklist (PDF 657KB)
- If you are experiencing issues applying online, please contact a Westpac branch.
- Not available in conjunction with any other offer, unless we determine otherwise.
- We reserve the right to withdraw, amend or extend this offer at any time.
*
The $50 Cashback Promotion Terms and Conditions
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.