
Westpac Choice for concession holders
Why choose this account?
- There’s no Account-Keeping Fee
You also won’t be charged any overdrawn fee or debit interest (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 with certain features applied (e.g. waiver of account-keeping fees), you’ll need to have a current Pensioner Concession Card, Commonwealth Seniors Health Card or Health Care Card, and have its benefits paid to the Westpac Choice account (if you are receiving benefits). There’s a limit of one Westpac Choice account (for concession holders) per customer. If there’s more than one holder of an account, all account holders must meet the eligibility criteria above.
To be eligible for this account with certain features applied (e.g. waiver of account-keeping fees), you’ll need to have a current Pensioner Concession Card, Commonwealth Seniors Health Card or Health Care Card, and have its benefits paid to the Westpac Choice account (if you are receiving benefits). There’s a limit of one Westpac Choice account (for concession holders) per customer. If there’s more than one holder of an account, all account holders must meet the eligibility criteria above.

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
Fees
Standard fees (fees may change) | Amount |
---|---|
Account-Keeping Fee (usually $5) is waived for concession holders who satisfy the concession conditions | $0 |
Other fees and charges may apply. Please refer to the Terms and Conditions (PDF 805KB)
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Things you should know
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®.
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.