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Why choose this account?

  • There’s no monthly service fee
    You also won’t pay any overdrawn or dishonour fees (other fees may apply)

  • Shop and get money out 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

  • ATM network at home and overseas
    Pay no withdrawal fee at any major bank ATM in Australia (including Westpac, St.George, Bank of Melbourne and BankSA) and over 50,000 ATMs globally via the Global ATM Alliance and partner ATMs (other fees may apply)2

     

Am I eligible?

To be eligible for this account you’ll need to have a current Pensioner Concession or Health Care card and have your Australian social security benefits paid into your Choice account for concession holders. There’s a limit of one Westpac Choice account for concession holders per customer. 

Find out your account balance in an instant

Set up Quick Balance on your mobile and there’s no need to sign in to online banking to check your balance

 

Lock your card

Can’t find your card? You can temporarily lock it in seconds with card on hold while you search3

 

Use your phone instead of your card to get out cash

Withdraw cash using your phone from any Westpac, St.George, Bank of Melbourne or BankSA ATM4

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)


Special Offers
 

$10 PayWear Card offer

Order a new PayWear Card, use it to make at least one eligible purchase within 45 days, and you'll get an extra $10! Conditions apply#

Learn more


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
Direct debit $0
Branch staff assisted withdrawal $0
eStatements $0
Dishonour of direct debits $0
Periodical payment not made fee  $5
Account overdrawn fee $0

No interest is paid on balances in this Choice account.

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

No interest is paid on balances in this Choice account.

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.

There is no interest for this account.

Things you should know

Deposit Accounts for Personal & SMSF customers Terms and Conditions (PDF 2MB)

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

Westpac Emergency Cash and Westpac cardless cash Terms and Conditions (PDF 133KB)

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. Fees and charges apply and may change.

No interest is paid on balances in a Westpac Choice account. Check the terms and conditions for the maximum amount you can withdraw each day.

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®.
 

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 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®.
 

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.  Cardless cash: 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.


# Purchases Offer: Excludes customers who hold or have held a Westpac Choice account or a Westpac PayWear™ at any time. To receive up to AUD$50 credited to an everyday account, customers must open a Westpac Choice account online or in an Australian Westpac branch between 13/05/19 and 09/07/2019 (inclusive) and must make at least five (5) eligible purchases using their Westpac Debit Mastercard© within 45 days of account opening (‘eligible customer’). PLUS to receive a bonus AUD$10, eligible customers who also order and use their Westpac PayWear Card to make at least one (1) eligible purchase within 45 days of account opening will receive $10 credited to their everyday account. Eligible purchases: include in-store purchases, online purchases, regular card payments, PayPass, and Google Pay transactions. Offer excludes ATM withdrawals. Eligible customers will receive $50 deposited into their account (or if an eligible customer is also eligible for the bonus $10, $60 deposited into their account) within 60 days of account opening following successful identification verification. 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. Read the Terms and Conditions available at westpac.com.au, including the Westpac PayWear Terms and Conditions for details, including for fees and charges that may apply, before making a decision and consider if it is right for you. 

 

Westpac PayWear is a registered trademark and PayWear is a trademark of Westpac Banking Corporation. 

 

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

 

© Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714.