Skip to main content Skip to main navigation
Skip to access and inclusion page Skip to search input

Can I open a bank account online?

Yes, most Westpac everyday bank accounts and savings accounts can be opened online.

1.   Compare bank accounts and choose the one that’s best for you

The two most popular types of bank accounts are transaction accounts and savings accounts.


Open a transaction account online


Also known as an everyday bank account, transaction accounts are used to receive your pay and other funds, to withdraw cash from ATMs, and to make payments – including by debit card, online and mobile banking, and automatic debits. You can choose an account that matches your age or circumstances.


Open a savings account online


Savings accounts put your surplus funds to work by paying variable interest on the money you set aside for savings goals or unexpected expenses. An alternative place to save money is in a term deposit, which pays a fixed rate of interest on funds locked securely away for a chosen period.


2.   Check that you can open the account online

  • No need to visit a branch. Most Westpac accounts can be opened online in as little as 3 minutes.
  • To save you time, if you want a transaction account for your everyday banking plus a bank account for your savings, you can open both accounts online in one application.
  • When you open a savings account or term deposit online, you’ll also need to open a transaction account to transfer funds in and out of it (if you don’t already have one).

Got the Westpac App?

If you’re already a Westpac customer, open an account in just a few taps.

  1. Open the app and tap Products then Bank accounts
  2. Choose the type of account you want
  3. Check the details and Open now

3.   Have your ID ready and apply online

What to have by your side:

  • Your mobile phone
  • Two types of ID:
    - Australian driver licence
    - Medicare card
    - Passport
    - Australian birth certificate
  • Your tax file number (TFN) – not compulsory but helpful
  • Your foreign tax details (if applicable)

To apply online you’ll need to be at least 14 years old with an Australian residential address.


4.   Register for Online Banking

  • With Westpac accounts, this step’s included in your online application – so there’s nothing more you have to do.
  • You’ll get an email confirming your new account details, including a temporary password for Online Banking.

5. Activate your debit card

  • Use the Debit Mastercard you get with a Choice transaction account to make contactless purchases, add to your digital wallet, and withdraw cash from ATMs. 
  • Activate your card in seconds in Online Banking or using the Westpac App. Learn how to activate your card.

Who gets a Debit Mastercard?

If you’re aged 8 or over with an Australian residential address, you can order a Debit Mastercard to link to your Choice account. 

Things you should know


Read the  Westpac Online Banking Terms and Conditions (PDF 417KB) at before making a decision and consider whether the product is right for you.

Mobile and Tablet Banking applications are only available for use by Westpac Australia customers.

Internet connection is needed to access Westpac Mobile Banking app. Normal mobile data charges apply.

Our site and your details are secure. For more information, read our information on security.

Apple, the Apple logo, iPhone and iPad 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.

Debit Mastercard®: holders need to be at least 8 years of age and have an Australian residential address to be eligible for the card. 

Mastercard® is a registered trademark of Mastercard International Incorporated.