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Why Westpac Choice?

  • Debit Mastercard®
    Use your Debit Mastercard ®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, 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 (other fees may apply) 2
  • Manage your money on the go with our Mobile Banking App
    The Westpac Mobile Banking App is an easy, secure and convenient way to take your bank with you wherever you go and with more than 100 features it can help you look after your money in more ways than you’d expect
  • Get an instant digital card
    For added convenience, you'll get instant access to a digital version of your card via the Westpac App before your physical debit card arrives in the mail9.


  • Once you arrive in Australia, you can apply online in 3 minutes and deposit money into your account
  • You will need to verify your identity at a branch in Australia before you can withdraw funds*
Cardless cash

Withdraw cash using your phone from any Westpac, St.George, Bank of Melbourne or BankSA ATM3

Apple Pay

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

Google Pay™

Make purchases with Google Pay™ by simply tapping your mobile at contactless terminals4

Fingerprint login

Sign in to Mobile Banking simply and securely with just your fingerprint on compatible devices6

Wait - did you say 2.5%?

18-29? You could earn up to 2.5% 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

Transferring money


Standard fees (fees may change) Amount
Pay no Account-Keeping Fee for the first 12 months (usually $5) or while you are a full time student $0

Other fees and charges may apply. Please refer to the Terms and Conditions (PDF 1007KB)


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 1007KB)
Westpac Debit Mastercard® Terms and Conditions (PDF 3MB)
Online Banking Terms and Conditions (PDF 236KB)
Find out what information you need to provide to become a customer (PDF 657KB)

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.
Once you arrive in Australia you can request a Debit Mastercard®. Read the  Terms and Conditions (PDF 3MB) and decide whether the product is right for you.

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. 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  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. Pay to Mobile: Australian bank accounts only. Terms, Conditions and Limits apply.

6. Finger print login: Fingerprint sign in is available on compatible devices only. Customers must be registered for Westpac online banking and have set up fingerprint ID to use the service.

7. 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.

8. 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.

9. The Digital Card: The Digital Card is only available on the Westpac App and supported with the latest version of Westpac Mobile Banking. The terms and conditions applicable to your product also apply to the use of your digital card. Online Banking Terms & Conditions also apply. You may not always be able to access your digital card.

* 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 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.

World Mastercard ®, Mastercard ® and the Mastercard brand mark are registered trademarks of, and PayPass TM is a trademark of, Mastercard International Incorporated.