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We have temporarily suspended account opening for people outside of Australia due to the COVID-19 related travel restrictions set by the Australian Federal Government.

If your travel plans have been affected due to COVID-19 and you're unable to travel to Australia, please contact us at migrantbankingteam@westpac.com.au


Why Westpac Choice?

  • Pay no monthly service fee for the first 12 months
    And if you’re a student you won’t pay any monthly service fee while you’re a full time student or under 21 in Australia
     
  • ATM network at home and overseas
    Pay no withdrawal fee at any major bank ATM in Australia (including Westpac, Commonwealth Bank, ANZ, NAB, St.George, Bank of Melbourne and BankSA) and at over 50,000 ATMs globally via the Global ATM Alliance and partner ATMs 1
     
  • Open an account in 3 min and you’re on your way to depositing money into your account
  • You will need to verify your identity at a branch in Australia before you can withdraw funds*
Shop and get money out with a Debit Mastercard®

Use your Debit Mastercard®2 to shop securely online, access cash at ATMs and use PayPass™ to tap and go on purchases under $100

Apple Pay

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

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 ATM3

Lock your card

Can’t find your card? You can temporarily lock it in seconds with card on hold while you search4

Wait - did you say 3%?

18-29? You could earn up to 3% p.a. variable interest on your savings when you save and spend with a Westpac Life savings account and a Westpac Choice bank account.

Spend&Save bonus interest only applies on balances up to $30,000 in your Westpac Life savings account. Find out more

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 $15
Dishonour of direct debits, periodical payment or cheques written $5
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)

Get $50 on us!

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

Apply online by 28th January 2021, and deposit $500 and make 5 eligible purchases within 30 days. Under 30? You can also apply in branch. New transaction account customers only. T&Cs apply# 


Security

Card on hold
Can’t find your card? Don’t panic, you can temporarily lock it in seconds with Card on Hold while you search7.

Fraud Money Back Guarantee
Shop securely with your debit card. We’ve got your back with 24/7 fraud monitoring and our Fraud Money Back Guarantee8.

Westpac Protect™ SMS Code
Increase your security when banking online by using your mobile phone to confirm certain transactions via text messages.

Safe Online Banking guarantee
If your Westpac account is compromised as a result of Internet fraud, we guarantee to repay any missing funds, providing you comply with our Online Banking Terms and Conditions.

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 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 and consider whether the product or service is right for you. Fees and charges apply and may change.


 

1.      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. Excludes American Express® cards. 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®.
 

2.      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.
Once you arrive in Australia you can request a Debit Mastercard®. Read the Terms and Conditions (PDF 206KB) and decide whether the product is right for you.
 

3.      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.
 

4.      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.

 

#  $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 7/10/2020 and 28/01/2021, 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. 



* For your account to be fully functional, you need to visit a Westpac Branch to complete your verification checks once you have arrived in Australia. You can only withdraw or transfer funds from your account after your identity has been verified by our Branch staff in Australia. We recommend you apply for your accounts and deposit funds to these accounts after you’ve received a valid Australian visa. 

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.