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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
     
  • Extensive ATM network
    No ATM withdrawal fee at any major bank ATM in Australia and over 50,000 ATMs around the world via the Global ATM Alliance and partner ATMs (other fees may apply) 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

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 21, a concession holder or 55+ and retired. We also have foreign currency and business accounts.


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

Fraud Money Back Guarantee

Shop securely with your debit card. We’ve got your back with 24/7 fraud monitoring and our Fraud Money Back Guarantee4

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

Under 30? Get $40 on us!

Get $40 with a new Westpac Choice everyday bank account

Apply online or in branch by 16 January 2020, and deposit $500 and make 5 eligible purchases within 30 days.#

More ways to pay
 

Leave your card at home and pay on the go with a full range of wearables including Westpac PayWear™, Fitbit Pay™, Garmin Pay™, Google Pay™, and Samsung Pay

 

Need to transfer cash in a flash? Set up a Pay ID and you can get paid or transfer money in near real time with just your mobile number. You can also pay or get paid by anyone, anytime, securely and in real time with the Beem It app when you link your Debit Mastercard
 


Get access to exclusive offers and discounts


Your Westpac Choice account is more than just a bank account – it also gives you easy access to exclusive discounts across a vast range of retailers. We’ve partnered with some major brands to provide you with savings across travel, entertainment, fashion, your everyday shopping, and more


Our range of discounts are regularly updated, to bring you seasonal and limited time offers.To find out what offers are currently available – simply sign in to Online Banking and go to Rewards & Offers


Fees
 

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
Cheques written $0
Direct debit $0
Periodical payments (Additional fees apply for periodical payments made by bank cheque and international periodical payments) $0
Branch staff assisted withdrawal $0
eStatements $0
Dishonour of cheques written or direct debits $5
Periodical payment not made fee  $5
Account overdrawn fee  $15
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

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.


Other fees and charges may apply. Please refer to the Terms and Conditions (PDF 1MB)

Things you should know

Deposit Accounts for Personal & SMSF customers Terms and Conditions (PDF 1MB)

Westpac Debit Mastercard® Terms and Conditions (PDF 3MB)

Westpac Emergency Cash and Westpac Get Cash Terms and Conditions (PDF 91KB)

Online Banking Terms and Conditions (PDF 1MB)

Find out what information you need to provide to become a customer (PDF 768KB)


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: You 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. 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: Customers will be reimbursed for any unauthorised transactions provided that the customer has not contributed to the loss and contacted Westpac promptly.


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


Eligible customers must be aged 18-30 for the below offers:

  • The Iconic: Minimum Spend $99. Valid on Selected Full Priced Items only until 11.59pm on 31.03.2020 AEST. Excludes Kids brands, Sale, R.M. Williams, Ivy Park, Maison Scotch, Ralph Lauren, Freaky Nation, Manning Cartell, Bec & Bridge, Tigerlily, ACACIA Swimwear, One Teaspoon, Assembly Label, M.I.H, AG Adriano Goldschmied, Marysia Swim, Adidas, Le Coq Sportif, Hurley, Paul Smith, Armani, BOSS, Hackett, HUGO, Nikben, Outerknown, Ted Baker, Tommy Hilfiger, Lacoste, Wood Wood, Edwin, NN.07, Les Basics, Reigning Champ, Folk, Knowledge Cotton Apparel, Lilybod, Converse, Le Specs, Rip Curl, Levi's, Armani Exchange, Incu Collections, Billabong, Saturday NYC, Norse Projects, MONUMENTAL by Karen Walker, rag & bone, Scotch & Soda, Windsor Smith, Nixon, Ray-Ban, Versace, Burberry, Nike, Camilla, Emporio Armani, Seafolly, Oakley, Cambridge Sachel Company, Hugo Boss, Tommy Jeans, Alexander McQueen, Ginger&Smart, Loeffler Randall, Karen Walker, The Horse, ATP, D&G, Huxbaby, Karl Lagerfeld, C&M, Whistles, Lulu Guinness, Moschino, Michael Kors, NEO-PREEN, Saint Laurent, Tom Ford, Marc Jacobs, Jerome Dreyfuss, Miu Miu, Gucci, Stella McCartney, alice McCALL, Jac+Jack, Paige, Amuse Society, Fjallraven, Filson, Nudie Jeans, Vilbrequin, Garmin and items sent separately from a partner brand. Exclusions subject to change. Cannot be used with any other code or offer. Conditions apply: www.theiconic.com.au/terms-of-use/#voucher
  • Webjet: Offer valid from 00:01 25 November – 23:59 31 March 2020 (AEDT) and is valid for domestic flight bookings within Australia for all airlines, for departures until 31 August 2020. Offer is limited to first 250 bookings only. Webjet’s standard bookings Terms and Conditions apply. Read our full Coupon Code Terms & Conditions
  • Movies: This offer is valid until 11.59pm on 31 March 2020. For all purchase queries please email customersupport@neatideas.com.au. Terms and conditions vary for each cinema ticket, ensure you read the product descriptions.

 

Samsung and Samsung Pay are trademarks or registered trademarks of Samsung Electronics Co.
 

Android, Google Pay and Google Play are trademarks of Google Inc.
 

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.
 

A Debit Mastercard attached to a Westpac Choice account is required to use the Beem It app.
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.

# $40 Offer: Eligible customers must be under 30. To receive up to AUD$40 credited to an everyday account, customers must open a new Westpac Choice account online or in branch between 10/10/19 and 16/01/2020 (inclusive) and must deposit $500 or more and make at least five (5) eligible purchases using their debit card within 30 days of account opening (‘eligible customer’). Eligible purchases include in-store purchases, online purchases, regular card payments, PayPass, and Google Pay™ transactions. Offer excludes ATM withdrawals. Eligible customers will receive $40 deposited into their account within 45 days of account opening following successful identification verification. The account must remain open during this period in order to be eligible for the offer. Excludes customers who hold or have held a Westpac transaction account at any time. Offer limited to one deposit per customer and is not available in conjunction with any other offer. Where a joint account is opened, if one of the joint account holders has already received their deposit in respect of another account, then none of the remaining joint account holders will be eligible for the offer in respect of the joint account.

 

World Mastercard®, Mastercard® and the Mastercard Brand Mark are registered trademarks of, and PayPassTM is a trademark of, Mastercard International Incorporated.