Westpac everyday banking brings convenience and simplicity right to your fingertips.

GET AN EVERYDAY BANK ACCOUNT WITH A DEBIT CARD

Looking for your first account or want to make Westpac your home bank? Choose a transaction account that could suit your needs now and into the future.

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Get outstanding value with an award-winning account

Westpac Choice, the everyday account that packs a punch:
 

  • No monthly account-keeping fee (usually $5) for eligible customers – details in the ‘Things you should know’ section
  • No minimum monthly balances or deposits
  • No withdrawal fees at branded and select non-branded ATMs
  • Unlimited free transactions and account enquires
     

Voted Canstar's Outstanding Value for a Transaction Account and Junior & Youth Banking 2024/2025.

Explore how Westpac Choice could work for you

  • BANK ACCOUNT WITH DEBIT CARD

    Spend $50 and you could get $50 cashback
    • Tick - Westpac Choice is a simple-to-use everyday account packed full of features. Includes a linked debit card that’s designed to help you bank with ease.
    Open now Find out more

  • 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.
    Open now Find out more

  • 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 out at ATMs or spend online or in-store.
    Open now Find out more

  • 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.
    Open now Find out more

  • 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. 
    Open now Find out more

  • 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.
    Open now Find out more

  • 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.
    Open now Find out more

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.

Find out more

Westpac 55+ and Retired

Combines the benefits of a transaction and a savings account in one:

  • No account-keeping fees
  • Unlimited access to money or to make purchases with a linked Debit Mastercard®
  • You could earn variable interest from 0.05% p.a. up to 2.00% p.a.
Open now Find out more

Managing your bank account

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.

Find out more

Help when you need it

Money matters

Handy guides and articles

Rates and calculators

Callback assistance for opening an account

Open an account? Existing customers can request a callback from our team.

Request callback

Give us a call

1300 558 724

8am – 8pm (Sydney time) 7 days

Find a branch

Visit your local branch

Things you should know

Deposit Accounts for Personal customers Terms and Conditions (PDF 643KB) 
Westpac Debit Mastercard® Terms and Conditions (PDF 338KB)
Online Banking Terms and Conditions (PDF 740KB) 
Find out what information you need to provide to become a customer (PDF 657KB) 
 
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.

Who can apply for a Debit Mastercard?

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. 

 

Monthly account-keeping ($5 a month) waived if you:

  • Are under 30 or a full-time tertiary student
  • Are new to Australia (for the first 12 months)
  • Deposit at least $2,000 each month
  • Link your Choice account to your Rocket Repay Home Loan or Rocket Investment Loan as an offset account (for as long as the account is linked)
  • For Westpac Choice Concession accounts.
     

Mastercard® is a registered trademark and the circles design is a trademark of Mastercard International Incorporated.