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Westpac Choice Concession

$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 Mastercard1? It’s more secure and you can use it to spend your own money to shop online or in stores

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 be a Concession or Health Care card holder, or receive an eligible Australian Government payment.

A list of eligible payments can be found at Service Australia and Department of Veterans' Affairs.

If you're Aboriginal and Torres Strait Islander and you don't have any of the required forms of identification, please call our Indigenous Call Centre on 1800 230 144 Monday to Friday 9am - 6.30pm ACST or visit your nearest branch.

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

Setting up a budget

Developing good money habits

Tips for managing bills and expenses


Standard fees (fees may change) Amount
Account-Keeping Fee (usually $5) is waived for Westpac Concession account holders $0

Other fees and charges may apply. Please refer to the Terms and Conditions (PDF 620KB)

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.

1.  Debit Mastercard®: Choice for 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.

2.  Global ATM: A 3% Foreign Transaction Fee applies to overseas debit or credit card withdrawals. A 3% cash advance fee applies to credit card withdrawals where the "Credit" option is selected. A list of Global Alliance members is available. It is important to know that the functionality to withdraw money from a linked Westpac account via Credit Card is not available when using overseas ATMs, including Global Alliance ATMs. To ensure access to Savings and or Cheque account funds when overseas please speak to us about obtaining a Debit Mastercard®.
3.  Card on hold: Available on personal credit and Mastercard® debit cards only. Cards to which a temporary lock can be applied will be listed when you sign in to Mobile Banking or Online Banking and visit Lock a card temporarily under Cards services. 
4. Westpac Fraud Money Back Guarantee: ensures that customers will be reimbursed for any unauthorised transactions, provided that the customer has not contributed to the loss and contacted Westpac promptly. Refer to the Westpac Debit Mastercard Terms and Conditions for full details, including when a customer will be liable.
5.  Cardless cash: available on eligible Westpac everyday accounts with a linked debit card for customers 18 years and over. Limit of 3 withdrawal transactions per day applies, subject to $500 daily withdrawal limit and $1,000 weekly withdrawal limit. Only available at Westpac Group ATMs or select Westpac Group partner ATMs in Australia. To access Cardless Cash on your mobile you must be registered to use Online Banking and download the Westpac App. You'll also need the Westpac App (version 6.1 or above) installed on your iPhone. You must be 18 years or older to use Cardless Cash.
7. Partner offers are subject to Terms and Conditions and may be varied or change at any time. Images are shown for illustrative purposes only.

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.

Android, Google Play and the Google Play logo are trademarks of Google LLC.

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.

Fitbit and the Fitbit logo are trademarks or registered trademarks of Fitbit, Inc. in the U.S. and other countries.

Garmin, the Garmin logo, and the Garmin delta are trademarks of Garmin Ltd. or its subsidiaries and are registered in one or more countries, including the U.S. Garmin Pay is a trademark of Garmin Ltd. or its subsidiaries.
Beem It is a facility provided by Commonwealth Bank of Australia ABN 48 123 123 124 AFSL 234945 and made available through its authorised representative, Digital Wallet Pty Ltd ABN 93 624 272 475. Before downloading the app please consider the  Product Disclosure Statement and Terms and Conditions, available at As this advice has been prepared without considering your objectives, financial situation or needs, you should, before acting on it, consider the facility's appropriateness to your circumstances. Before making a decision about any of our products or services, please read relevant terms and conditions available at Fees and charges apply and may change.
Mastercard® is a registered trademark of Mastercard International Incorporated.