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Essentials

  • Unlimited transactions across Westpac branches, Westpac, St.George, BankSA and Bank of Melbourne ATMs, Online Banking, Telephone Banking and eftpos
  • Your Australian social security benefits need to be paid into your Choice account for the monthly service fee waiver to apply (this waiver can be applied to only one Choice account)
  • You also need to hold a current Pensioner Concession or Health Care card
  • One Westpac Choice for concession holders account per customer

More ways to access your money

$0 Monthly service fee. Other fees may apply

Access to over 3,000 Westpac Group ATMs in Australia and over 50,000 ATMs globally via the Global ATM Alliance2


Features

Multiple ways to access your bank account and to your money

  • Online Banking
  • Mobile Banking
  • Telephone Banking
  • Debit MasterCard or Handycard
  • BPAY®
  • Branch
  • ATMs
  • Get Cash from Westpac ATMs without a debit card
  • Tap and pay with a compatible Samsung mobile
Access your money
  • at over 3,000 Westpac, St George, Bank SA and Bank of Melbourne ATMs with no withdrawal Fee.
  • through Global ATM alliance with no ATM withdrawal fee2 at more than 50,000  ATMs worldwide.
Link a Westpac Debit MasterCard

A Debit MasterCard linked to your Choice account will let you shop online, over the phone in Australia and overseas using your own money. You can also withdraw cash at millions of locations worldwide where MasterCard is accepted. Learn more about Debit MasterCard.

When your Westpac Choice account is open

  • Register for Westpac Online Banking and/or Telephone Banking for more ways to access your money
  • Choose eStatements for convenient online access to 7 years of account activity.
Standard fees (fees may change) Amount
Online Banking withdrawal $0
Telephone Banking withdrawal (automated or staff assisted) $0
POS $0
Westpac, St.George, BankSA, Bank of Melbourne ATM withdrawal $0
Non-Westpac, St.George, BankSA, Bank of Melbourne ATMs within Australia cash withdrawal or balance enquiry - however the ATM owner may apply an ATM operator fee $0
Direct debit $0
Branch staff assisted withdrawal $0
eStatements $0
Dishonour of direct debits $0
Periodical payment not made fee  $0
Account overdrawn fee $0

No interest is paid on balances in this Choice account.

Standard fees (fees may change) Amount
Overseas ATM balance enquiry from a non-Global Alliance Partner ATM $0
Overseas ATM balance enquiry from a Global Alliance Partner ATM $0
Overseas ATM cash withdrawal from a non-Global Alliance Partner ATM $5
Overseas ATM cash withdrawal from a Global Alliance Partner ATM $0
Westpac Foreign Transaction Fee Depends on transaction type - see below

No interest is paid on balances in this Choice account.

Westpac Foreign Transaction Fee

The Westpac Foreign Transaction Fee is payable and will be incorporated into the $AUD transaction amount shown on your statement. The fee charged will either be:

a) 3% of the $AUD transaction amount where a transaction is made in foreign currency and the merchant or financial institution accepting the card is located outside Australia (comprising of 2% Westpac Processing Fee plus 1% Westpac On-Charged Scheme Fee); or

b) 2.2% of the $AUD transaction amount where a transaction is made in foreign currency and the merchant or financial institution accepting the card is located in Australia (comprising of 2% Westpac Processing Fee plus 0.2% Westpac On-Charged Scheme Fee).

Global Alliance Partners

For more information on participating Global Alliance Partners in designated countries, see Accessing your accounts overseas.

Credit Cardholders who currently withdraw money from linked Westpac account via credit card, it is important to know that this functionality may not be 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®. Go to our Debit MasterCard page or visit a Westpac branch. Terms and Conditions and Fees and charges may apply.

There is no interest for this account.

Things you should know

Deposit Accounts for Personal & SMSF customers Terms and Conditions (PDF 360KB)

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

Westpac Emergency Cash and Westpac Get Cash Terms and Conditions (PDF 73KB)

Online Banking Terms and Conditions (PDF 200KB)

Find out what information you need to provide to become a customer (PDF 42KB)


Before making a decision about any of our products or services, please read all the terms and conditions. Fees and charges apply and may change.

No interest is paid on balances in a Westpac Choice account. Check the terms and conditions for the maximum amount you can withdraw each day.

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®.

Who can apply for a Debit MasterCard?

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.


2. A 3% Westpac Foreign Transaction Fee applies to overseas debit or credit card withdrawals. A 2% cash advance fee applies to credit card withdrawals where the "Credit" option is selected. A list of Global Alliance members is available. Excludes American Express® cards. 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®.

St.George Bank, BankSA and Bank of Melbourne are divisions of Westpac Banking Corporation ABN 33 007 457 141.

MasterCard® and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated. American Express is a trademark of American Express. Samsung, Galaxy S and Galaxy Note are trademarks of Samsung Electronics Co. Ltd. Android is a trademark of Google Inc. Google Play is a trademark of Google Inc.