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Why Westpac Choice?

  • 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.
     
  • ATM network at home and overseas
    Pay no ATM withdrawal fee at Westpac Group ATMs in Australia and over 50,000 ATMs globally via the Global ATM Alliance 2. Other fees may apply.
     
  • $0 monthly service fee
    You’ll pay no monthly service fee for as long as you’re under 21 or a fulltime student. Other fees may apply.
     
Apple Pay

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

Instant digital card

Waiting for your card to arrive? Use the digital version2 instantly to shop online, pay bills, make in-app purchases and set up recurring payments

Fast and simple transfers

Transfer money in near real-time using the Westpac Mobile app with PayID3, or get cash out using your phone with Cardless Cash4

Beem It

Splitting an Uber Eats with house mates? Beem It lets you pay or get paid in an instant, no matter who your house mates bank with Beem It5


Wait - did you say 3%?

18-29? You could earn up to 3% 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

Fees

Standard fees (fees may change) Amount
ATM cash withdrawals in Australia (ATM providers may charge a fee – watch out for that!)  $0
Account overdrawn fee $15
Dishonour of direct debits, periodical payment or cheques written $5
Overseas ATM cash withdrawal from a Global Alliance Partner ATM (for more information on Global Alliance Partners see Accessing your accounts overseas) $0
Overseas ATM cash withdrawal 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 1MB)

Get $50 on us!

Get $50 with a new Westpac Choice everyday bank account.

Apply online by 6th October 2020, deposit $500 and make 5 eligible purchases within 30 days. Under 30? You can also apply in branch. T&Cs apply  #


Get a one-year Student Discount Card on us

Open a new Westpac Choice account to get a complimentary Student Discount Card, if you’re a full-time student^ (saving you $30). The card offers savings on thousands of share-worthy travel and local experiences. Like up to 40% off international airfares at STA Travel as well as discounts on hostels, restaurants, museums and more. Conditions apply.^


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 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 1MB)

Westpac Debit Mastercard® Terms and Conditions (PDF 206KB)

Online Banking Terms and Conditions (PDF 423KB)

Find out what information you need to provide to become a customer (PDF 768KB)


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. Digital version: The Instant Digital Card is only available on the Westpac Mobile Banking 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.


3. PayID - Fast or real-time payments are sent and received using Osko by BPAY® and can be addressed to either a PayID or a BSB and account number. Real-time payments require both the payer and payee to have Osko enabled accounts. Personal customers can send and receive fast Osko payments to and from participating financial institutions with an eligible account (i.e. a personal transaction account). Payments may take longer in some instances, such as where there is a technical interruption to the service, there is a payment to a first time payee or when the payment is caught for additional security screening. The PayID types available to you may vary depending on your customer profile. If you register your mobile as a PayID, it needs to be the same as your SMS Protect CodeTM.When your PayID is registered, your details (including your name) will be available to people who use the service and enter your mobile phone PayID.


4. Cardless cash: Get 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 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. You’ll also need the Westpac Mobile Banking app (version 6.1 or above) installed on your iPhone.

 

5. Beem it: A Debit Mastercard attached to a Westpac Choice account is required to use the Beem It app. Beem It is a facility provided by Commonwealth Bank of Australia ABN 48 123 123 124 AFSL 234945 and made available through its authorised representative, Digital Wallet Pty Ltd ABN 93 624 272 475. Before downloading the app please consider the Product Disclosure Statement and Terms and Conditions, available at beemit.com.au. As this advice has been prepared without considering your objectives, financial situation or needs, you should, before acting on it, consider the facility's appropriateness to your circumstances. Before making a decision about any of our products or services, please read relevant terms and conditions available at westpac.com.au. Fees and charges apply and may change

 

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. 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.

 

8. 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.
 

^New Westpac Choice customers only. Offer available for full time students, or customers aged 31 years and under. This offer is valid for 90 days from the date your new Westpac Choice account is opened and you are required to have your ID verified before claiming this offer. This offer only provides you the first year ISIC membership valued at $30. The STA Travel voucher is valid for 12 months from the date of issue and can be used at any local STA Travel store and not online.

 

#  $50 Offer: Fees and charges apply. Read the terms and conditions available at westpac.com.au before making a decision and consider whether the product is right for you. To be eligible for the $50 offer you must: open a new Westpac Choice account online between 1/07/2020 and 6/10/2020, or in branch if you’re under 30 years old; and deposit $500 and make 5 eligible card purchases within 30 days of account opening. Eligible card purchases are purchases made using your Westpac debit card linked to your Choice account and excludes ATM transactions and EFTPOS cash out only transactions. If eligible you will receive $50 into your Choice account within 45 days of opening. All account holders on the new Choice account must not hold or have held a Westpac transaction account, or received this offer at any time to be eligible. Offer is limited to one eligible account and is not available in conjunction with any other offer. ​
 

Read the Apple Pay Terms and Conditions (PDF 1MB) 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.


 

Android is a trademark of Google Inc. Google Play is a trademark of Google Inc.
 

World Mastercard®, Mastercard® and the Mastercard Brand Mark are registered trademarks of, and PayPassTM is a trademark of, Mastercard International Incorporated. 
 

St.George Bank, BankSA and Bank of Melbourne are divisions of Westpac Banking Corporation ABN 33 007 457 141.