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Westpac Choice Concession

A basic, low-cost account with a Debit Mastercard®¹ to make deposits and withdrawals, payments online or on the Westpac App for individuals who hold a Concession or Health Care card or receive an Australian Government benefit payment that makes you eligible to hold a Concession or Health Care card. 

The important numbers

$0 Account-keeping fee

$0 Overdrawn fee or debit interest (other fees may apply)

If you're under 14, a parent or guardian will need to open your account at a Westpac branch. You don't need to attend in person as long as your parent or guardian has a correct and original form of identification for you. 

What you get

  • Access to your money with a Debit Mastercard®¹ and a range of digital wallets (including Apple Pay & Google Pay)

  • 24/7 Fraud monitoring

  • Fraud Money Back Guarantee 4
Things you should know

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.

1 Debit Mastercard®: holders need to be at least 8 years of age and have an Australian residential address to be eligible for the card. 
4Westpac Fraud Money Back Guarantee: Customers will be reimbursed for any unauthorised transactions provided that the customer has not contributed to the loss and contacted Westpac promptly.