Skip to main content Skip to main navigation
Skip to accessibility page Skip to search input

The essentials

Shop and get  money out with a Debit Mastercard®

Use your Debit Mastercard1 to shop securely online, access cash at ATMs and use PayPass™ to tap and go on purchases under $100.

 

Secure banking

We’ve got your back with 24/7 fraud monitoring and our Fraud Money Back Guarantee2.

No withdrawal fee at over 60,000 ATMs world wide

Pay no ATM withdrawal fee at over 10,000 Australian ATMs as well as at over 50,000 ATMs globally via the Global ATM Alliance3 (other fees may apply).

 

Award winning mobile banking

Our mobile banking app has over 100 features to help you manage your money on the go and was rated among the best in the world in 2017 by Forrester Research (Global Mobile Banking Functionality Benchmark).

Benefits

Can’t find your card?

Don’t panic. You can temporarily lock it in seconds with card on hold while you search6.

Withdraw cash using your phone

Use Cardless Cash7 to withdraw cash without your Debit card from over 3000 Westpac ATMs located across Australia, as well as St.George, Bank of Melbourne and BankSA ATMs. We can also help you find your nearest ATM using the app.

A bank account that's right for you...

Select which one is relevant to you and check your eligibility

Who can open this account?

You can open a Westpac Choice account if:
 

  • You are 12 or over
  • You have an Australian residential address and you are currently in Australia.

 

 

Fees

Standard fees (fees may change) Amount
Online, mobile and phone banking transactions $0
EFTPOS and Debit Mastercard transactions $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
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.

 

 

 

 

 

 

Opening a Westpac Choice account

Open online in less than 3 minutes

You can get your ID verified instantly with your driver’s licence, Medicare Card, passport, NSW Photo Card or birth certificate (no need to visit a branch).
 

Activate your Online Banking in an instant

Once you’re activated you can import BPAY® billers and Payees from selected banks into your Westpac Online Banking.
 

We’ll verify your ID and send out your Debit Mastercard

Your ID is verified online or in branch. Once you have your card you can use it to shop online or in person worldwide using your own money.

 

 

Who can open this account?

You can open a Westpac Choice account for under 21s and full time students if:
 

  • You are 12 - 21 years, or a full-time tertiary student
  • You have an Australian residential address and you are currently in Australia.

 

 

Packed full of features to help under 21s and students bank with ease
  • $0 monthly service fee (other fees may apply) whilst you are under 21 or a student
  • Under 16? Get a Westpac Handycard to get money out at ATMs and use in shops.

 

 

Online special offer

Get $50 on us!

Open now

New to Westpac Choice?

Open an account online by 29 July 2018, deposit $250 within 45 days and get $50 on us into your account. Conditions apply*
 

You must be under 21 &/or a full time student or New to Australia (i.e. arrived in the last 12 months). Conditions apply*

 

 

 

 

Fees

Standard fees (fees may change) Amount
Online, mobile and phone banking transactions $0
EFTPOS and Debit Mastercard transactions $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
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.

 

 

 

 

Opening a Westpac Choice account for under 21s and students

Open online in less than 3 minutes

You can get your ID verified instantly with your driver’s licence, Medicare Card, passport, NSW Photo Card or birth certificate (no need to visit a branch).
 

Activate your Online Banking in an instant

Once you’re activated you can import BPAY® billers and Payees from selected banks into your Westpac Online Banking.
 

We’ll verify your ID and send out your Debit Mastercard

Your ID is verified online or in branch. Once you have your card you can use it to shop online or in person worldwide using your own money. If you’re under 16 you will get a Handycard which can be used at an ATM or to shop in person. If you are a student over 21 you will need to visit a branch within 3 months to verify your student ID.
 

 

 

Who can open this account?

You can open a Westpac Choice for concession holders account if you’re:
 

  • A current Pensioner Concession or Health Care card holder
  • Having your Australian social security benefits paid into your Choice account for concession holders.

 

 

This basic low-cost transaction account is designed for if you’re receiving Australian social security benefits
  • There’s also no monthly service fee and you won’t pay any overdrawn or dishonour fees (other fees may apply)
  • There’s a limit of one Westpac Choice account for concession holders per customer.

 

 

Fees

Standard fees (fees may change) Amount
Online, mobile and phone banking transactions $0
EFTPOS and Debit Mastercard transactions $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
Dishonour of cheques written or direct debits $0
Periodical payment not made fee  $0
Account overdrawn fee  $0
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.

 

 

 

 

Opening a Westpac Choice account for concession holders

Open online in less than 3 minutes

Once your account is open you will need to have your ID verified in branch.  

Register for Online Banking in an instant

Once you’re registered you can import BPAY® billers and Payees from selected banks into your Westpac Online Banking (if you’re a new Westpac customer you’ll need to go into a branch to have your ID verified. While you’re there we’ll arrange your debit card).
 

We’ll verify your ID and send out your Debit Mastercard

When your ID is verified in branch we will order your Debit Mastercard. Once you have your card you can use it to shop online or in person worldwide using your own money.

 

 

Who can open this account?

You can open a 55+ and retired account if you:
 

  • Are 55+ and retired
  • Have an Australian address and are currently in Australia
  • Hold a valid Pensioner Concession Card.

 

 

A flexible everyday account designed for selected pensioners and retirees
  • No monthly service fee or transaction fees (other fees may apply)
  • Earn tiered interest on balances
  • Limit of one Westpac 55+ and Retired account per customer.

 

 

Fees

Standard fees (fees may change) Amount
Online, mobile and phone banking transactions $0
EFTPOS and Debit Mastercard transactions $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
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.

Interest rates p.a.

Interest is calculated daily on your account balance.

Amount Rate
0 < $2,000 0.25%
$2,000 < $41,000 1.00%
$41,000+ 1.70%

 

 

 

 

Opening a Westpac 55+ and retired bank account

Open online in less than 3 minutes

You can get your ID verified instantly with your driver’s licence, Medicare Card, passport, NSW Photo Card or birth certificate (no need to visit a branch).
 

Activate your Online Banking in an instant

Once you’re activated you can import BPAY® billers and Payees from selected banks into your Westpac Online Banking.
 

Your Debit Card is on its way

Your card can be used to shop online or in person worldwide using your own money.
 

 

 

Who can open this account?

You can open this Westpac Choice account if you:
 

  • Are 12 or over
  • Are arriving in Australia within 12 months OR
  • Have arrived in Australia within the past 12 months.

 

 

An everyday bank account with features designed for people moving to Australia or who have arrived in the last 12 months

  • No monthly service fee for the first 12 months (we’ll continue to waive it after the first 12 months when you deposit at least $2,000 a month)
  • Open your account up to 12 months before you arrive  (even if you don’t have an Australian address)

 

 

 

 

Online special offer

Get $50 on us!

Open now

New to Westpac Choice?

Open an account online by 29 July 2018, deposit $250 within 45 days and get $50 on us into your account. Conditions apply*
 

You must be under 21 &/or a full time student or New to Australia (i.e. arrived in the last 12 months). Identification must be completed in branch to receive the $50 . Conditions apply*

 

 

 

 

Fees

Standard fees (fees may change) Amount
Online, mobile and phone banking transactions $0
EFTPOS and Debit Mastercard transactions $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.

 

 

 

 

Opening an account if you’re new to Australia or have recently arrived

Open online in less than 3 minutes

You can get your ID verified instantly with your driver’s licence, Medicare Card, passport, NSW Photo Card or birth certificate (no need to visit a branch)

Activate Online Banking in an instant

We’ll activate your Online Banking so you can keep up to date with your balances and transfer money in Australia and overseas

We’ll verify your ID and send out your debit card

Your ID is verified online or in branch. Once you have your card you can use it to shop online or in person worldwide using your own money. If you’re under 16 you will get a Handycard which can be used at an ATM or to shop in person
 

 

 

Not right? Try these

Everyday banking + savings account

Get an account that pays interest, along with your everyday account. Open both accounts in one go.

Savings accounts

Saving for a goal or important event? Choose from a savings account that could reward you with bonus interest, or an online savings account with a great introductory interest rate.

Term deposits

A Westpac Term Deposit lets you invest your money with the certainty of a fixed interest rate and a choice of terms.

Things you should know

Deposit Accounts for Personal & SMSF customers Terms and Conditions (PDF 614KB)

Westpac Debit Mastercard® Terms and Conditions (PDF 149KB)

Westpac Emergency Cash and Westpac Get Cash Terms and Conditions (PDF 115KB)

Online Banking Terms and Conditions (PDF 288KB)

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. Fees and charges apply and may change.

 

1.      Debit Mastercard: You need to be at least 16 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: Customers will be reimbursed for any unauthorised transactions provided that the customer has not contributed to the loss and contacted Westpac promptly.

3.      Global ATM: A 3% Westpac Foreign Transaction Fee applies to overseas debit or credit card withdrawals. A 2% cash advance fee applies to credit card withdrawals where the "Credit" option is selected. A list of Global Alliance members is available. It is important to know that the functionality to withdraw money from a linked Westpac account via Credit Card is not 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®.

4.      Google Pay: Read the Terms and Conditions before making a decision and consider if it is right for you. Available for eligible cards. To use Google Pay you will need to use a compatible device with a supported operating system.

5.     Samsung Pay: Read the Samsung Pay Terms and Conditions before making a decision and consider if it is right for you. Available for eligible cards. To use Samsung Pay you will need to use a compatible phone with a supported operating system. Internet connection may be needed to make payments using Samsung Pay and normal mobile data charges apply.

6.      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.

7.      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.
 

*$50 Offer: Fees and charges apply. Read the terms and conditions before making a decision and consider whether the product is appropriate for you. Excludes customers who have held a Choice account with Westpac anytime from 4/6/17. You must be under 21 or a full time student or New to Australia (i.e., arrived in the last 12 months) to be eligible for this offer. New to Australia customers must use westpac.com.au/newarrivalsform to open the Choice account and apply for the offer.  Eligible customers need to open a Choice account online between 4/6/18 and 29/7/18 (inclusive) and deposit a minimum of $250 within 45 days of account opening. Eligible customers who have completed identification will receive $50 deposited into their account within 60 days of account opening. Offer limited to one $50 deposit per eligible customer. Where a joint account is opened, the offer is limited to only one $50 deposit in respect of the account. If one of the joint account holders has already received their $50 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. © Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714.

 

BPAY® is a registered trademark of BPAY Pty Ltd ABN 69 079 137 518.

Mastercard is a registered trademark of Mastercard International Incorporated.

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

Samsung and Samsung Pay are trademarks or registered trademarks of Samsung Electronics Co., Ltd. Mastercard and the Mastercard Brand Mark are registered trademarks and PayPass is a trademark of Mastercard International Incorporated.

Apple, the Apple logo, iPhone and Apple Watch are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.