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Westpac Choice

Our most popular bank account to help manage your everyday banking needs. Multiple ways to access funds, whether here or overseas.

Westpac Choice account comes with the following services and features:
  • Westpac Debit Mastercard® 1
  • Westpac Online Banking + Mobile Banking
  • Westpac PayWear - a wearable that lets you pay on the go using the same contactless technology as your Debit Mastercard
  • No monthly account fee if you deposit at least $2,000 each month (other fees may apply)
  • Option to open online as a joint account.


Online special offer

Get $50 on us!

Under 21, studying full time or new to Australia?

Get $50 when you open a Westpac Choice account online by 29 July 2018 and deposit $250 within 45 days*.

You must be under 21 &/or a full time student or New to Australia (i.e. arrived in the last 12 months). Conditions apply*

Accounts for

Under 21s and students

Westpac Choice account with no monthly service fee.

Special offer:
Get $50 when opening a new Choice account! Conditions apply*

Joining Finances

An everyday account packed full of features that can be opened together online.

Moving or new to Australia

Westpac Choice is an everyday bank account with features designed for people new to Australia.

Special offer:
Get $50 when opening a new Choice account! Conditions apply*

Concession holders

Concession card holders receiving an Australian pension.

55+ and retired

A flexible everyday account designed for selected pensioners and retirees.

Need to save?

Get an account that pays interest, along with your everyday account. Open both accounts in one go.

Things you should know

Deposit Accounts for Personal & SMSF customers Terms and Conditions (PDF 614KB)

Westpac Debit Mastercard® Terms and Conditions (PDF 149KB)

Westpac Emergency Cash and Westpac Get Cash Terms and Conditions (PDF 115KB)

Online Banking Terms and Conditions (PDF 288KB)

Find out what information you need to provide to become a customer (PDF 768KB)

* 3% Foreign Transaction Fee applies

Interest is paid on balances in a Westpac 55+ and Retired account. Interest is not paid on balances in any Westpac Choice account.

Who can apply for a Debit Mastercard?

1. Debit Mastercard holders need to be at least 16 years of age, and have an Australian residential address to be eligible for the card. If you're not eligible for a Debit Mastercard, apply for a Handycard to access your account.

Information valid as at 31/10/2014 and subject to change. Fees and charges, terms and conditions apply.

*You will be required to complete an identity check prior to being able to make withdrawals from your account.

^ Once you arrive in Australia you can request a Debit Mastercard®. Read the Terms and Conditions (PDF 149KB) and decide whether the product is right for you.

View the most recent published Westpac financial statement, annual report, capital adequacy and risk disclosures.


*$50 Offer: Fees and charges apply. Read the terms and conditions before making a decision and consider whether the product is appropriate for you. Excludes customers who have held a Choice account with Westpac anytime from 4/6/17. You must be under 21 or a full time student or New to Australia (i.e., arrived in the last 12 months) to be eligible for this offer. New to Australia customers must use to open the Choice account and apply for the offer.  Eligible customers need to open a Choice account online between 4/6/18 and 29/7/18 (inclusive) and deposit a minimum of $250 within 45 days of account opening. Eligible customers who have completed identification will receive $50 deposited into their account within 60 days of account opening. Offer limited to one $50 deposit per eligible customer. Where a joint account is opened, the offer is limited to only one $50 deposit in respect of the account. If one of the joint account holders has already received their $50 deposit in respect of another account, then none of the remaining joint account holders will be eligible for the offer in respect of the joint account. © Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714.


World Mastercard®, Mastercard® and the Mastercard brand mark are registered trademarks, and PayPass is a trademark of Mastercard International Incorporated.