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Why Westpac Choice?

  • $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
     
  • Debit Mastercard®
    Why carry cash when you’ve got a Debit Mastercard? It’s more secure and you can use it to spend your own money to shop online or in stores (if you’re under 14 you’ll get a Handycard) 1
     
  • Online banking + Westpac app
    More than just a place to check your balance, Westpac Online Banking has heaps of tools and functions to help you manage your money, plus you can take your bank wherever you go when you download the Westpac Mobile Banking app on your phone
     

Features designed to put you in control

Your Westpac Choice account has the features you need to make managing your money a breeze

Extensive ATM network

No ATM withdrawal fee at any major bank ATM in Australia and over 50,000 ATMs around the world via the Global ATM Alliance and partner ATMs (other fees may apply)2

Got a job?

Arrange to get paid straight into your account and access your money online or with your Debit Mastercard

Transfer money instantly

Whether you need to get some money to a friend, or you need your parents to get money to you in a hurry, you can transfer money in near real time with PayID3 or get cash out with your phone using Cardless Cash4


Under 30?

Get $40 on us!

Open now

Get $40 with a new Westpac Choice everyday bank account

Apply online or in branch by 16 January 2020, and deposit $500 and make 5 eligible purchases within 30 days.

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 search5.

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 Guarantee6.

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.


More ways to pay

Leave your card at home and pay on the go with a full range of wearables including Westpac PayWear™, Fitbit Pay™, Garmin Pay™, Google Pay™, and Samsung Pay

Need to transfer cash in a flash? Set up a Pay ID and you can get paid or transfer money in near real time with just your mobile number. You can also pay or get paid by anyone, anytime, securely and in real time with the Beem It app when you link your Debit Mastercard.


Get access to exclusive offers and discounts

Your Westpac Choice account is more than just a bank account – it also gives you easy access to exclusive discounts across a vast range of retailers. We’ve partnered with some major brands to provide you with savings across travel, entertainment, fashion, your everyday shopping, and more

Our range of discounts are regularly updated, to bring you seasonal and limited time offers.To find out what offers are currently available – simply sign in to Online Banking and go to Rewards & Offers


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.^


Fees

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.


Other fees and charges may apply. Please refer to the Terms and Conditions (PDF 1MB)

Things you should know

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

Westpac Debit Mastercard® Terms and Conditions (PDF 3MB)

Westpac Emergency Cash and Westpac cardless cash Terms and Conditions (PDF 91KB)

Online Banking Terms and Conditions (PDF 1MB)

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. Global ATM: A 3% Westpac Foreign Transaction Fee applies to overseas debit card withdrawals. A list of Global Alliance members is available. To ensure access to savings and/or cheque account funds when overseas obtain a Debit Mastercard®.


3. 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.


4. 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.
 

5. 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.


6. Westpac Fraud Money Back Guarantee ensures that customers will be reimbursed for any unauthorised transactions provided that the customer has not contributed to the loss and contacted Westpac promptly. Refer to the product terms and conditions for full details, including when a customer will be liable.


7. Partner offers are subject to Terms and Conditions and may be varied or change at any time. Images are shown for illustrative purposes only.


# $40 Offer: Eligible customers must be under 30. To receive up to AUD$40 credited to an everyday account, customers must open a new Westpac Choice account online or in branch between 10/10/19 and 16/01/2020 (inclusive) and must deposit $500 or more and make at least five (5) eligible purchases using their debit card within 30 days of account opening (‘eligible customer’). Eligible purchases include in-store purchases, online purchases, regular card payments, PayPass, and Google Pay™ transactions. Offer excludes ATM withdrawals. Eligible customers will receive $40 deposited into their account within 45 days of account opening following successful identification verification. The account must remain open during this period in order to be eligible for the offer. Excludes customers who hold or have held a Westpac transaction account at any time. Offer limited to one deposit per customer and is not available in conjunction with any other offer. Where a joint account is opened, if one of the joint account holders has already received their deposit in respect of another account, then none of the remaining joint account holders will be eligible for the offer in respect of the joint account.

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.


Westpac PayWear is a registered trademark and PayWear is a trademark of Westpac Banking Corporation.
 

Fitbit and the Fitbit logo are trademarks or registered trademarks of Fitbit, Inc. in the U.S. and other countries.
 

Garmin, the Garmin logo, and the Garmin delta are trademarks of Garmin Ltd. or its subsidiaries and are registered in one or more countries, including the U.S. Garmin Pay is a trademark of Garmin Ltd. or its subsidiaries.
 

Android, Google Pay and Google Play are trademarks of Google Inc.
 

Samsung and Samsung Pay are trademarks or registered trademarks of Samsung Electronics Co.
 

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