Westpac Choice

Choose Westpac Choice for easy day-to-day banking and more

Use your debit card for fast payments online and in-store, and if you have an eligible Westpac home loan, link it as an offset account to reduce interest repayments.

Spend securely with your Debit Mastercard¹

Add to your mobile or wearable wallet, buy in store and online, and withdraw cash at ATMs worldwide.²

Get spend and cash flow insights

Track trends in Cash flow to stay in control of your monthly budget while tagging expenses in Categories to better understand your spending.

Earn Sweet Discounts

Make full use of our exclusive discounts, cashbacks and deals. Take advantage of our Rewards & Offers.

$0 international transfers⁵

When you send foreign currency overseas via Online Banking or the Westpac App. See our conversion rates and included countries.

>FX rates & included countries.

Make payments your way

Choice makes buying, paying, and withdrawing cash simple and convenient, even before you’ve received your debit 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
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
Get cash out of Westpac, St.George, Bank of Melbourne and BankSA ATMs without a card using the Westpac App⁶
See, review and authorise new PayTo⁷ payments before money leaves your account

Save time, apply online

Get up and running the fast way

Your Choice account could be active in less than 3 minutes.

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Security guaranteed

Online banking guarantee

We’ll repay any funds missing from your account due to fraud, as long as you’ve complied with our T&Cs.⁴

Temporary card lock

If you’ve misplaced your debit card, you can immediately lock it while you look, in the Westpac App.³

Westpac Protect^™ SMS Code

For greater peace of mind, we can send a one-time SMS Code to your mobile to authorise online transactions and features.

Explore security feature Explore security feature

Get the Westpac App for even easier banking

View and transfer funds fast

Quick Balance lets you view the balance of three main accounts and quickly transfer money without signing in.

Manage your cards in one place

Misplaced your card? Temporarily lock it while you’re looking, order a new one, or change your PIN, all in the app’s convenient Cards Hub.

Get sorted with in-app budget tools

Track your month-to-month Cash flow and spot areas where you could be making savings with your spend sorted in Categories.

Explore our in-app budget tools Explore our in-app budget tools

Fees

Monthly fees

Standard fees (fees may change)	Amount
Account-Keeping Fee	$5
This fee is waived for: Customers that deposit at least $2,000 each month Customer under the age of 30 or full-time tertiary students Individuals who hold a Concession or Health Care card, or receive an eligible Australian Government benefit payment New to Australia or expatriate customers (for the first 12 months) Customers that open a new Westpac Choice account online between 01/02/24 and 30/09/24 (for the first 12 months).

Other 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 (for more information see Overdraw Preference Feature)	$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
Unarranged Lending Rate (ULR) is a debit interest rate charged to a transaction account if it becomes overdrawn without arrangement.	15.01% p.a.

Other fees and charges may apply. Please refer to the Terms and Conditions (PDF 625KB)

Other accounts for

Features

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Things you should know

Deposit Accounts for Personal customers Terms and Conditions (PDF 625KB)

Westpac Debit Mastercard® Terms and Conditions (PDF 201KB)

Online Banking Terms and Conditions (PDF 547KB)

Find out what information you need to provide to become a customer (PDF 657KB)

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®: Westpac Choice 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% 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®.

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. Westpac transfer fees still apply for funds sent in Australian dollars. Receiving bank fees may also apply, check the currency converter for indicative rates and fees.

6. 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. Read the PayTo Terms and Conditions (PDF 187KB)

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 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.

Mastercard® is a registered trademark of Mastercard International Incorporated.

Apple, the Apple logo 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. Samsung and Samsung Pay are trademarks or registered trademarks of Samsung Electronics Co., Ltd.

PayID® and PayTo® are registered trademark of NPP Australia Limited.

Bank account with debit card