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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. 

Apple Pay

Apple Pay offers a fast and secure way to pay in-store and online, using your favourite Apple device

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

Get $50 on us!

Get $50 with a new Westpac Choice everyday bank account.

Apply online by 6th October 2020, deposit $500 and make 5 eligible purchases within 30 days. Under 30? You can also apply in branch. T&Cs apply  #

Fees

Standard fees (fees may change) Amount
ATM cash withdrawals in Australia (ATM providers may charge a fee – watch out for that!)  $0
Account overdrawn fee $0
Dishonour of direct debits, periodical payment or cheques written $0
Overseas ATM cash withdrawal from a Global Alliance Partner ATM (for more information on Global Alliance Partners see Accessing your accounts overseas) $0
Overseas ATM cash withdrawal 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


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 206KB)

Online Banking Terms and Conditions (PDF 423KB)

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.


 

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. 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 available at westpac.com.au before making a decision and consider whether the product is right for you. To be eligible for the $50 offer you must: open a new Westpac Choice account online between 1/07/2020 and 6/10/2020, or in branch if you’re under 30 years old; and deposit $500 and make 5 eligible card purchases within 30 days of account opening. Eligible card purchases are purchases made using your Westpac debit card linked to your Choice account and excludes ATM transactions and EFTPOS cash out only transactions. If eligible you will receive $50 into your Choice account within 45 days of opening. All account holders on the new Choice account must not hold or have held a Westpac transaction account, or received this offer at any time to be eligible. Offer is limited to one eligible account and is not available in conjunction with any other offer. ​
 

Read the Apple Pay Terms and Conditions (PDF 1MB) 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.


 

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.