STUDENT OR YOUNG ADULT? WESTPAC CHOICE BANK ACCOUNT WITH DEBIT CARD
An everyday account packed with features so you can bank your way with ease. Spend $50 and you could get $50 cashback. Read on to find out how.
At a glance
$0
Account-keeping fees
As long as you’re under 30 or a full-time tertiary student. Other fees may apply.
$0
Cash withdrawal fees
In branch, from our ATMs and select partner ATMs. Plus, unlimited transactions and account enquiries.
$0
International transfer fees
If you send foreign currency overseas using Online Banking or the Westpac App. Other fees may apply.
HOW CAN I GET $50 CASHBACK?
1. Open a new Choice account
2. Make eligible purchases
The choice for easy day-to-day banking and more
Instant Digital Card®
Before you get your Debit Mastercard® you may be able to use the digital version in the Westpac App.
Fast, secure payments
Make payments online and in-store with your Debit Card that has a CVC that updates every 24 hours.
Banking on the go
Skip the trip to the branch and manage your banking when it suits you by using the Westpac App.
Get exclusive offers
Make full use of our customer-only discounts and cashback offers, including special ShopBack deals.
Spend & Save with Westpac
You could earn up to 5.00% p.a. variable interest on your first $30,000 of savings with a Life Savings and Choice bank account. 18-34 year olds only.
Smart Budgeting and savings tools
LAYERS OF SCAM AND FRAUD PROTECTION
Save time, apply online
Learn how to make the most of your money
Nobody ever really teaches you how to use money in everyday life. We’ve teamed up with ‘Year13’ a website dedicated to helping young people with the school-to-work transition. Get the rundown on earning, spending, and saving your money in the big wide world.
Account fees
| Standard fees (fees may change) | Amount |
|---|---|
| Account-Keeping Fee (usually $5) is waived for full-time tertiary students and under 30s | $0 |
| Standard fees (fees may change) | Amount |
|---|---|
| Online Banking withdrawal (including Mobile Banking) | $0 |
| Telephone Banking withdrawal (self service) | $0 |
| Telephone Banking withdrawal (staff assisted) | $0 |
| Branch staff assisted withdrawal | $0 |
| Direct Debit | $0 |
| Point of Sale (POS) transactions | $0 |
| ATM cash withdrawals in Australia (ATM providers may charge a fee – watch out for that!) | $0 |
| Overdrawn Fee (for more information: Overdraw Preference Feature) | $15 |
| Unarranged Lending Rate (ULR) is a debit interest rate charged to a transaction account if it becomes overdrawn without arrangement | 15.01% p.a. |
| Overseas Withdrawal Fee from a Global Alliance Partner ATM (for more information on Global Alliance Partners: Accessing your accounts overseas) | $0 |
| Overseas Withdrawal Fee 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 643KB)
This account doesn't earn interest. If you'd like to earn interest, you can open a savings account at the same time. Find out how
Help when you need it
Things you should know
Westpac Debit Mastercard® Terms and Conditions (PDF 338KB)
Online Banking Terms and Conditions (PDF 740KB)
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.
*This claim is based on The Forrester Digital Experience Review™ of 4 Australian mobile banking apps in Q3 2025. Future findings are subject to change. Forrester does not endorse any company or brand, nor their products or services, nor advise anyone to select them based on this review. If you want to learn more, go to the Forrester website.
Protected by the Financial Claims Scheme (FCS): If you have a Westpac deposit account, in certain circumstances you may be entitled to a payment under the FCS. Payments under the FCS are limited for each customer. You can find out more information from the APRA website at www.fcs.gov.au.
Westpac’s Online Banking Security Guarantee - If your Westpac account is compromised due to Online fraud, we guarantee to repay any missing funds, provided you complied with our Online Banking Terms and Conditions. This includes keeping your sign-in details (including passwords, Westpac Protect™ Security codes) private, not participating in the unauthorised transaction, and immediately notifying us when you suspect an unauthorised transaction or potential fraud on your accounts.
Westpac Fraud Money Back Guarantee - Our Westpac Fraud Money Back Guarantee ensures that you will be reimbursed for any unauthorised card transactions provided that you have not contributed to the loss and contacted Westpac promptly. Refer to your card’s conditions of use for full details, including when you will be liable.
PayID® is a registered trademark of NPP Australia Limited and any use of its marks by Westpac is under license.