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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 Account-Keeping 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

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.

You can make payments with


Card on hold

Can’t find your card? Don’t panic, you can temporarily lock it in seconds with Card on Hold while you search3

Digital Card Security

It’s a digital version of your card available 24/7 in the Westpac App. The 3-digit CVC security number changes daily to ensure your details are kept safe. Find out more

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 guarantee5 to repay any missing funds, providing you comply with our Online Banking Terms and Conditions


Standard fees (fees may change) Amount
Account-Keeping Fee
This fee is waived for:  

Other fees and charges may apply. Please refer to the Terms and Conditions (PDF 805KB)

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. 
1.   Debit Mastercard®: holders 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% 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. Google Pay: Read the  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. 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.
World Mastercard ®, Mastercard ® and the Mastercard brand mark are registered trademarks of, and PayPass TM is a trademark of, Mastercard International Incorporated.