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Essentials

Westpac Choice account comes with the following services and features to help you bank with ease:

  • Westpac Debit Mastercard® 1
  • Westpac Online Banking + Mobile Banking
  • eStatements for easier banking

$0 monthly service fee (other fees may apply) whilst you are under 21, a student or apprentice and pay no withdrawal fee at over 3,000 ATMs in Australia.

Forgotten your wallet? Withdraw cash using your phone from over 3000 Westpac Group ATMs3

Android Pay

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


Features

Getting the most out of your Choice bank account

  • Like to shop with your money, online or in person, worldwide? Just use your Debit Mastercard®1
  • No ATM withdrawal fee2 when accessing any one of the 50,000 ATMs via our Global ATM alliance partners
  • Make purchases with Android Pay™ by simply tapping your mobile at contactless terminals.

Unlimited 24/7 electronic access with Westpac Online Banking and Mobile Banking5

  • Save time by setting up recurring payments to pay regular bills or grow your savings
  • View up to 3 years of transaction history.
Standard fees (fees may change) Amount
Online Banking withdrawal $0
Telephone Banking withdrawal (automated or staff assisted) $0
POS $0
Westpac, St.George, BankSA, Bank of Melbourne ATM withdrawal $0
Non-Westpac, St.George, BankSA, Bank of Melbourne ATMs within Australia cash withdrawal or balance enquiry - however the ATM owner may apply an ATM operator fee $0
Direct debit $0
Dishonour of cheques written or direct debits $5
Periodical payment not made fee $5
Account overdrawn fee $15
Standard fees (fees may change) Amount
Non-Westpac, St.George, BankSA and Bank of Melbourne ATMs within Australia cash withdrawal or balance enquiry - however the ATM owner may apply an ATM operator fee $0
Overseas ATM cash withdrawal from a non-Global Alliance Partner ATM $5
Overseas ATM cash withdrawal from a Global Alliance Partner ATM $0
Overseas ATM balance enquiry from a non-Global Alliance Partner ATM $0
Overseas ATM balance enquiry from a Global Alliance Partner ATM $0
Westpac Foreign Transaction Fee Depends on transaction type - see below

Westpac Foreign Transaction Fee

The Westpac Foreign Transaction Fee is payable and will be incorporated into the $AUD transaction amount shown on your statement. The fee charged will either be:

a) 3% of the $AUD transaction amount where a transaction is made in foreign currency and the merchant or financial institution accepting the card is located outside Australia (comprising of 2% Westpac Processing Fee plus 1% Westpac On-Charged Scheme Fee); or

b) 2.2% of the $AUD transaction amount where a transaction is made in foreign currency and the merchant or financial institution accepting the card is located in Australia (comprising of 2% Westpac Processing Fee plus 0.2% Westpac On-Charged Scheme Fee).

Global Alliance Partners

For more information on participating Global Alliance Partners in designated countries, see Accessing your accounts overseas.

Credit Cardholders who currently withdraw money from linked Westpac account via credit card, it is important to know that this functionality may not be 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®. Go to our Debit Mastercard page or visit a Westpac branch. Terms and Conditions and Fees and charges may apply.

There is no interest for this account.


Plus, you could enjoy access to


 

Mathspace

Sign up to Mathspace Plus and get $20 on us

New to Westpac Choice? Open a new account and sign up to Mathspace Plus, a digital maths tuition program designed to boost maths skills*,  and get $20 into your account. Plus with Mathspace Plus you could also get another $10 a week just for doing your maths**.

Student or Youth Discount Card

Save on thousands of share-worthy travel experiences

Open a new Westpac Choice account to get a complimentary Student or Youth Discount Card, if you’re a full-time student or under 31^ (saving you $30). The cards offer 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.^

Things you should know

Deposit Accounts for Personal & SMSF customers Terms and Conditions (PDF 1MB)

Westpac Debit Mastercard® Terms and Conditions (PDF 149KB)

Westpac Emergency Cash and Westpac cardless cash Terms and Conditions (PDF 115KB)

Online Banking Terms and Conditions (PDF 9MB)

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. Fees and charges apply and may change.


1. Debit Mastercard holders need to be at least 16 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. A 3% Westpac 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. Excludes American Express® cards. 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. Cardless 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.


4. Android Pay: Read the Android Pay Terms and Conditions before making a decision and consider if it is right for you. Available for eligible cards. To use Android Pay you will need to use a compatible device with a supported operating system.


5. Check the account Terms and Conditions for maximum amount you can withdraw each day.

Mastercard® and the Mastercard Brand Mark are registered trademarks of Mastercard International Incorporated. American Express is a trademark of American Express. Samsung, Galaxy S and Galaxy Note are trademarks of Samsung Electronics Co. Ltd. Android is a trademark of Google Inc. Google Play is a trademark of Google Inc.

 

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

^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.
 

*Offer available to customers who open an individual Westpac Choice account and who have not held an individual Choice account in the last 12 months prior to account opening. Customers must link their eligible Westpac Choice account to their Mathspace Plus account within 31 days of opening the bank account. Customers’ identity must first be verified by the bank to receive this offer.

 

** $10 reward for successful completion of weekly maths tasks is not available during a user’s free trial period.

Mathspace Pty Ltd ABN 18 142 406 308 is the developer and owner of the Mathspace platform (which includes www.mathspace.co and the products and services available on it). Westpac are not agents or representatives of Mathspace Pty Ltd nor liable for any loss or damage incurred by you in connection with the access, use or misuse, or unavailability of the Mathspace platform. Internet connection is needed to access the Mathspace platform. Normal data charges apply.