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WESTPAC CHOICE CONCESSION
An everyday bank account with debit card and no monthly fees. For customers who hold a Concession or Health Care card, receive benefit payments, or low or no income earners.
At a glance
$0
Account-keeping fees
Meaning more money in your pocket. Plus, you'll pay no overdrawn fee or debit interest (other fees may apply).
$0
Cash withdrawal fees
In branch, from our ATMs and select partner ATMs. Plus, unlimited transactions and account enquiries.
$0
International transfer fees
If you send foreign currency overseas using Online Banking or the Westpac App. Other fees may apply.
The choice for easy day-to-day banking and more
Instant Digital Card®
Before you get your Debit Mastercard® use the digital version in the Westpac App. Then, add it to your mobile wallet.
Instant payments
Get PayID® payments instantly with just your mobile number. You can also tap and go using your mobile or your Debit Mastercard.
Banking on the go
Skip the trip to the branch and manage your banking when it suits you by using the Westpac App.
Get exclusive offers
Make full use of our customer-only discounts and cashback offers, including special ShopBack deals.
Smart Budgeting and savings tools
LAYERS OF SCAM AND FRAUD PROTECTION
Save time, apply online
Don’t have the required ID?
Account fees
| Standard fees (fees may change) | Amount |
|---|---|
| Account-Keeping Fee | $0 |
| Standard fees (fees may change) | Amount |
|---|---|
| Online Banking withdrawal (including Mobile Banking) | $0 |
| Telephone Banking withdrawal (self service) | $0 |
| Telephone Banking withdrawal (staff assisted) | $0 |
| Branch staff assisted withdrawal | $0 |
| Direct Debit | $0 |
| Point of Sale (POS) transactions | $0 |
| ATM cash withdrawals in Australia (ATM providers may charge a fee – watch out for that!) | $0 |
| Overdrawn Fee | $0 |
| Unarranged Lending Rate (ULR) is a debit interest rate charged to a transaction account if it becomes overdrawn without arrangement | 0% |
| Overseas Withdrawal Fee from a Global Alliance Partner ATM (for more information on Global Alliance Partners: Accessing your accounts overseas) | $0 |
| Overseas Withdrawal Fee from a non-Global Alliance Partner ATM | $5 |
| Transactions made in foreign currency, and the merchant or financial institution is located outside Australia | 3% of the AUD transaction amount |
| Transactions made in foreign currency, and the merchant or financial institution is located in Australia | 2.2% of the AUD transaction amount |
Other fees and charges may apply. Please refer to the Terms and Conditions (PDF 643KB)
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.
*This claim is based on The Forrester Digital Experience Review™ of 4 Australian mobile banking apps in Q3 2025. Future findings are subject to change. Forrester does not endorse any company or brand, nor their products or services, nor advise anyone to select them based on this review. If you want to learn more, go to the Forrester website.
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.
PayID® is a registered trademark of NPP Australia Limited and any use of its marks by Westpac is under license.