Bank account with debit card

Westpac Choice is a simple-to-use everyday bank account packed full of features to help you bank with ease.
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What’s best about this bank account?


Use it straight away

Pay with the digital card in your Westpac App while awaiting your debit card.1

Monitor your spending

Receive mobile notifications each time money leaves your account.

Save big on major brands

Look out for the partner discounts offered through your Westpac App.4

Get cash without a card

Withdraw cash from any Westpac Group ATM using the Westpac App.5

Safe banking and shopping

 
Log suspicious activity

If you don’t recognise a purchase, report it to us through the Westpac App.

 
Lock your lost card

Put a temporary hold on your card while looking for it, using the Westpac App.3

 
Get fraud protection

We’ll repay any funds missing due to fraud, if you’ve complied with our T&Cs.2

Aged 18-29?

You could earn up to 2.5% p.a. variable interest on your first $30,000 savings with a Life Savings and Choice bank account.

Find out more

Fees
 

Standard fees (fees may change) Amount
Account-Keeping Fee
$5
  This fee is waived for:
 


Other fees and charges may apply. Please refer to the Terms and Conditions (PDF 1007KB)

Westpac Choice

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Things you should know
Deposit Accounts for Personal & SMSF customers Terms and Conditions (PDF 1007KB) 
Westpac Debit Mastercard® Terms and Conditions (PDF 3MB)
Online Banking Terms and Conditions (PDF 236KB) 
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®: 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 Play and the Google Play logo 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.