
Westpac Choice for concession holders
Westpac Choice for Concession Holders

$0 Account-Keeping Fee
With $0 monthly account keeping fees, your money can go even further. You also won’t be charged any overdrawn fee or debit interest (other fees may apply)
Debit Mastercard®
Why carry cash when you’ve got a Debit Mastercard? It’s more secure and you can use it to spend your own money to shop online or in stores (if you’re under 14 you’ll get a Handycard)1
ATM network at home and overseas
Pay no ATM withdrawal fee at Westpac Group ATMs in Australia and through our Global ATM Alliance 2 and overseas partner ATMs which you can find using the ATM locator in the Westpac App. Other fees may apply.
Online banking guarantee
We’ll repay any funds missing due to online fraud, as long as you’ve complied with our T&Cs.4
Am I eligible?
To be eligible for this account with certain features applied (e.g. waiver of account-keeping fees), you’ll need to have a current Pensioner Concession Card, Commonwealth Seniors Health Card or Health Care Card. If there’s more than one holder of an account, all account holders must meet the eligibility criteria above.
To be eligible for this account with certain features applied (e.g. waiver of account-keeping fees), you’ll need to have a current Pensioner Concession Card, Commonwealth Seniors Health Card or Health Care Card. If there’s more than one holder of an account, all account holders must meet the eligibility criteria above.
Save time, apply online
Get up and running the fast way
Your Choice account could be active in less than 3 minutes.


Make payments your way
Choice makes buying, paying, and withdrawing cash simple and convenient, even before you’ve received your debit card.
Digi Card
Use the digital card in the Westpac App while waiting for the plastic one to arrive. The CVC refreshes every 24 hours for extra security
More ways to pay
Link your card to Apple Pay, Google Pay, Samsung Pay, Fitbit Pay and Garmin Pay to make fast contactless payments with your mobile or wearable
Access cash via the app
Get cash out of Westpac, St.George, Bank of Melbourne and BankSA ATMs without a card using the Westpac App5

Get access to exclusive offers and discounts
Your Westpac Choice account is more than just a bank account – it also gives you access to exclusive discounts across a vast range of retailers. We’ve partnered with some major brands to provide you with savings across travel, entertainment, fashion, your everyday shopping, and more
Our range of discounts are regularly updated, to bring you seasonal and limited time offers.7 To find out what offers are currently available – simply sign in to Online Banking and go to Rewards & Offers

Helpful Guides
Fees
Standard fees (fees may change) | Amount |
---|---|
Account-Keeping Fee (usually $5) is waived for concession holders who satisfy the concession conditions | $0 |
Other fees and charges may apply. Please refer to the Terms and Conditions (PDF 897KB)
Other accounts for
Feature articles
More options
Things you should know
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.
Read the Apple Pay Terms and Conditions (PDF 42KB) before making a decision and consider if it is right for you. To use Apple Pay you will need an eligible card and a compatible device with a supported operating system. See our Apple Pay FAQs for more information. Apple, the Apple logo, Apple Pay, Apple Watch and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.
Fast or real-time payments are sent and received using Osko® by BPAY® and can be addressed to either a PayID or a BSB and account number. Real-time payments require both the payer and payee to have Osko enabled accounts. BPAY® and Osko® are registered trademarks of BPAY Pty Ltd ABN 69 079 137 518.