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Westpac Choice - Concession

A basic low-cost account to deposit and withdraw funds for Pensioner Concession Card, Commonwealth Seniors Health Card and Health Care Card holders

The important numbers

$0 Account-keeping fee

$0 Overdrawn fee or debit interest (other fees may apply)

12+ Minimum age to open account

What you get

  • Access to your money with a Debit Mastercard®¹ and a range of digital wallets (including Apple Pay & Google Pay)

  • 24/7 Fraud monitoring

  • Fraud Money Back Guarantee 4
Things you should know

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.

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.
4Westpac 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.