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Westpac Choice

Special Offer! Get $50 when you open a new Westpac Choice account. Apply by 9 July 2019. Make 5 eligible purchases within 45 days. Conditions apply#


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.


Accounts for

Under 21s and students

Westpac Choice account with no monthly service fee.

Special offer: Get $50 on us!#


Joining Finances

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

Special offer: Get $50 on us!#


Moving or new to Australia

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

Special offer: Get $50 on us!#


Concession holders

Concession card holders receiving an Australian pension.

Special offer: Get $50 on us!#


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.

Join the Bank of the Year - Everyday Banking

  • Awarded 2018 Canstar Bank of the Year - Everyday Banking
  • Recognised for offering both a strong online banking platform as well as comprehensive ATM and branch coverage throughout Australia
Things you should know

Deposit Accounts for Personal & SMSF customers Terms and Conditions (PDF 2MB)

Westpac Debit Mastercard® Terms and Conditions (PDF 3MB)

Westpac Emergency Cash and Westpac Get Cash Terms and Conditions (PDF 133KB)

Online Banking Terms and Conditions (PDF 1MB)

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


Who can apply for a Debit Mastercard?

1. Debit Mastercard holders need to be at least 14 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 31/10/2018 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.

# Purchases Offer: Excludes customers who hold or have held a Westpac Choice account or a Westpac PayWear™ at any time. To receive up to AUD$50 credited to an everyday account, customers must open a Westpac Choice account online or in an Australian Westpac branch between 13/05/19 and 09/07/2019 (inclusive) and must make at least five (5) eligible purchases using their Westpac Debit Mastercard© within 45 days of account opening (‘eligible customer’). PLUS to receive a bonus AUD$10, eligible customers who also order and use their Westpac PayWear Card to make at least one (1) eligible purchase within 45 days of account opening will receive $10 credited to their everyday account. Eligible purchases: include in-store purchases, online purchases, regular card payments, PayPass, and Google Pay transactions. Offer excludes ATM withdrawals. Eligible customers will receive $50 deposited into their account (or if an eligible customer is also eligible for the bonus $10, $60 deposited into their account) within 60 days of account opening following successful identification verification. Offer limited to one deposit per customer and is not available in conjunction with any other offer. Where a joint account is opened, if one of the joint account holders has already received their 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. Read the Terms and Conditions available at, including the Westpac PayWear Terms and Conditions for details, including for fees and charges that may apply, before making a decision and consider if it is right for you. 

Westpac PayWear is a registered trademark and PayWear is a trademark of Westpac Banking Corporation. 

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

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

© Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714.