Skip to main content Skip to main navigation
Skip to access and inclusion page Skip to search input

Why Westpac Choice?

  • Get easy access to your money with a Debit Mastercard®
    Use your Debit Mastercard 1 to shop securely online, access cash at ATMs and use PayPass™ to tap and go on purchases under $100
     
  • Breathe easy knowing your money is safe
    Shop securely with your debit card. We’ve got your back with 24/7 fraud monitoring and our Fraud Money Back Guarantee 2
     
  • Manage your money on the go with our Mobile Banking App
    The Westpac Mobile Banking App is an easy, secure and convenient way to take your bank with you wherever you go and with more than 100 features it can help you look after your money in more ways than you’d expect

You can make payments with


Security

Card on hold

Can’t find your card? Don’t panic, you can temporarily lock it in seconds with Card on Hold while you search3

Digital Card Security

It’s a digital version of your card available 24/7 in the Westpac App. The 3-digit CVC security number changes daily to ensure your details are kept safe. Find out more

Westpac Protect™ SMS Code

Increase your security when banking online by using your mobile phone to confirm certain transactions via text messages

Safe Online Banking guarantee

If your Westpac account is compromised as a result of Internet fraud, we guarantee to repay any missing funds, providing you comply with our Online Banking Terms and Conditions

Features designed to put you in control

Your Westpac Choice account has the features you need to make managing your money a breeze

 


Cardless Cash

Get cash out with your phone. Use the Westpac Mobile Banking App to get out cash without using your card from any Westpac, St.George, BankSA and Bank of Melbourne ATMs5

Find out more


Instant funds transfer

Get paid or transfer money in near real time (typically in less than a minute) using just your mobile number.

Find out more

Accounts designed with you in mind

We have bank accounts designed with the features you need if you're after a joint account, new to Australia, studying, under 30, a concession holder or 55+ and retired. We also have foreign currency and business accounts.

Get up to 2.5% p.a. variable interest on your savings

For 18-29-year olds

When you grow your savings with a Westpac Life account and make 5 eligible purchases with a debit card linked to your Choice account each month

This is made up of 0.15% p.a. variable base rate + 0.10% p.a. variable bonus for saving each month + 2.25% p.a. Spend&Save bonus for spending 5 times. Applies to the first $30,000 in your Westpac Life savings account. After this amount you’ll earn 0.25% p.a. variable interest.*

Fees
 

Standard fees (fees may change) Amount
ATM cash withdrawals in Australia (ATM providers may charge a fee – watch out for that!)  $0
Overdrawn Fee $15
Overseas Withdrawal Fee from a Global Alliance Partner ATM (for more information on Global Alliance Partners see 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 234KB)

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®: holders need to be at least 14 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. 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.


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. Partner offers are subject to Terms and Conditions and may be varied or change at any time. Images are shown for illustrative purposes only.  

5. Cardless cash: is available on eligible Westpac transaction accounts with a linked debit card. Get Cash limit of 3 withdrawals per day applies, subject to $500 daily withdrawal limit and $1,000 weekly withdrawal limit. Only available at Westpac Group ATMs in Australia. To access cardless cash on your mobile you must be registered to use Westpac Online Banking and download the Westpac Mobile Banking App. To use Westpac Mobile Banking on Apple Watch you’ll need to pair your Apple Watch with an iPhone 5 or above with iOS 8.2 or above. You’ll also need the Westpac Mobile Banking app (version 6.1 or above) installed on your iPhone.

6.   Global ATM: A 3% Westpac Foreign Transaction Fee applies to overseas debit card withdrawals. A list of Global Alliance members is available. To ensure access to savings and/or cheque account funds when overseas obtain a Debit Mastercard®.

Read the  Apple Pay Terms and Conditions (PDF 79KB) 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 Pay and Google Play are trademarks of Google LLC.
 
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  beemit.com.au. 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 westpac.com.au. Fees and charges apply and may change.
World Mastercard ®, Mastercard ® and the Mastercard brand mark are registered trademarks of, and PayPass TM is a trademark of, Mastercard International Incorporated.