Westpac Choice Joint Account
Why Westpac Choice joint account?
- You can both get 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.
- There’s no monthly service fee when you deposit at least $2,000 each month
Such as having both your salaries paid into your joint account (other fees apply)
- ATM Network
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
- An award-winning transaction account*
Winner of Canstar 2018 Bank of the Year – Everyday Banking and Canstar’s 5-Star Rating for Outstanding Value Transaction Account in 2019
Who can open a joint account?
Both account holders need to be:
- 12 years or older
- Currently living in Australia and have an Australian residential address.
Award winning mobile banking
Our mobile banking app was rated among the best in the world in 2017
Cardless Cash
Withdraw cash using your phone from any Westpac, St.George, Bank of Melbourne or BankSA ATM3
Google Pay
Make purchases with Google Pay™ by simply tapping your mobile at contactless terminals4
Westpac PayWear
A wearable that uses the same contactless technology as your Debit Mastercard
Get $50 when you open a new Westpac Choice account
Apply online by 9 October 2019. Deposit $500 and make 5 eligible purchases within 30 days.
Conditions apply#
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 |
| Cheques written | $0 |
| Direct debit | $0 |
| Periodical payments (Additional fees apply for periodical payments made by bank cheque and international periodical payments) | $0 |
| Branch staff assisted withdrawal | $0 |
| eStatements | $0 |
| Dishonour of cheques written or direct debits | $5 |
| Periodical payment not made fee | $5 |
| Account overdrawn fee | $15 |
| 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 |
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.
Other fees and charges may apply. Please refer to the Terms and Conditions (PDF 1009KB)
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 search5.
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 Guarantee6.
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.
Other accounts for
Things you should know
Deposit Accounts for Personal & SMSF customers Terms and Conditions (PDF 1009KB)
Westpac Debit Mastercard® Terms and Conditions (PDF 129KB)
Westpac Emergency Cash and Westpac Get Cash Terms and Conditions (PDF 91KB)
Online Banking Terms and Conditions (PDF 283KB)
Find out what information you need to provide to become a customer (PDF 768KB)
Before making a decision about any of our products, and to learn more about joint account holder responsibilities and requirements, please read all the terms and conditions. Fees and charges apply and may change.
* Awarded 2018 Canstar Bank of the Year – Everyday Banking on 11th September 2018
The Canstar Rating was awarded on 17th May 2019 for the Westpac Life product for the Regular Saver profile, for the Westpac Choice product for the High Transactor profile and Youth Transactor profile, and for the Westpac Choice 55+ and Retired product for the Senior Transactor profile.
1. Debit Mastercard: You need to be at least 14 years of age 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. 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®.
3. Cardless cash: Cardless cash is 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.
4. Google Pay: Read the Google Pay Terms and Conditions before making a decision and consider if it is right for you. Available for eligible cards. To use Google Pay you will need to use a compatible device with a supported operating system.
5. 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.
6. Westpac 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.
# $50 Offer: Excludes customers who hold or have held a Westpac Choice account 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 for Youth, Student and Migrant Choice accounts) between 10/7/19 and 09/10/2019 (inclusive) and must deposit $500 or more and make at least five (5) eligible purchases using their debit card within 30 days of account opening (‘eligible customer’). 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 within 45 days of account opening following successful identification verification. The account must remain open during this period in order to be eligible for the offer. 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 for fees and charges that may apply, before making a decision and consider if it is right for you.
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.