Summary
Westpac Choice
- An everyday account with a Debit Mastercard®¹ to make deposits and withdrawals, payments online or on the Westpac App
- $5 a month Account-keeping fee. Waived if you're under 30, a full-time tertiary student, new to Australia (for the first 12 months) or you deposit at least $2,000 each month. Fee also waived for Westpac Choice accounts opened online by 30 September 2025 (for the first 12months)#
- You’re at least 14 years old with an Australian residential address (under 14s apply in branch with a parent or guardian).
What kind of account do you need?
Are you already a Westpac customer?
What to have handy
- Your Westpac Online Banking sign in details.
Ready to get started?
- Under 18 or applying on behalf of somebody younger? Learn more
What to have handy
By continuing you agree
- You have read our Privacy Statement which explains how we collect, use and disclose your personal information
- You agree to provide your consents to us
- You will need to also acknowledge your obligations under AML/CTF and disclose if you have any other reporting obligations
- You agree to Financial Services Guide (PDF 249KB)Online Banking Terms and Conditions (PDF 407KB)Deposit Accounts for Personal Customers (PDF 625KB)Westpac Debit Mastercard® Terms and Conditions (PDF 201KB)
- You agree to comply with all applicable Australian and International laws relating to the account(s) including any exchange control laws.
Ready to get started?
- Under 18 or applying on behalf of somebody younger? Learn more
Is applicant 1 already a Westpac customer?
Is applicant 2 already a Westpac customer?
What to have handy?
- Both applicants will need their Westpac Online Banking sign in details
- To gain full access to your account, you’ll need to be registered for Westpac Protect SMS Code. We’ll send an SMS Code to both applicants before you open your account.
By continuing you both agree
- You have read our Privacy Statement which explains how we collect, use and disclose your personal information
- You agree to provide your consents to us
- You will need to also acknowledge your obligations under AML/CTF and disclose if you have any other reporting obligations
- You agree to Financial Services Guide (PDF 249KB)Online Banking Terms and Conditions (PDF 407KB)Deposit Accounts for Personal Customers (PDF 625KB)Westpac Debit Mastercard® Terms and Conditions (PDF 201KB)
- You agree to hold the account in joint names (to open an account in trust you’ll need to visit a branch)
- You agree that you have permission to give us personal information about any joint applicants.
Ready to get started?
- Under 18 or applying on behalf of somebody younger? Learn more
Complete your application in branch together
If you or the person you’re applying with is a new Westpac customer, you’ll need to visit a branch together to open your account. Please make sure you both bring:
- Your tax details. We’ll need your Tax File Number (TFN) and if you’re a foreign tax resident, we’ll also need your tax residency details
- Suitable ID. You’ll both need to be verified separately.
You can use our identification checklist to work out which documents you’ll need for your situation.
To ensure we’re best prepared to help you, please call the branch first to make an appointment.
Is applicant 2 already a Westpac customer?
Complete your application in branch together
If you or the person you’re applying with is a new Westpac customer, you’ll need to visit a branch together to open your account. Please make sure you both bring:
- Your tax details. We’ll need your Tax File Number (TFN) and if you’re a foreign tax resident, we’ll also need your tax residency details
- Suitable ID. You’ll both need to be verified separately.
You can use our identification checklist to work out which documents you’ll need for your situation.
To ensure we’re best prepared to help you, please call the branch first to make an appointment.
What to have handy
By continuing you both agree
- You have read our Privacy Statement which explains how we collect, use and disclose your personal information
- You agree to provide your consents to us
- You will need to also acknowledge your obligations under AML/CTF and disclose if you have any other reporting obligations
- You agree to Financial Services Guide (PDF 249KB)Online Banking Terms and Conditions (PDF 407KB)Deposit Accounts for Personal Customers (PDF 625KB)Westpac Debit Mastercard® Terms and Conditions (PDF 201KB)
- You agree to hold the account in joint names (to open an account in trust you’ll need to visit a branch)
- You agree that you have permission to give us personal information about any joint applicants
- You agree to comply with all applicable Australian and International laws relating to the account(s) including any exchange control laws.
Ready to get started?
- Under 18 or applying on behalf of somebody younger? Learn more
Things you should know
Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.