Bank account and debit card
Why Westpac Choice?
- $0 Account-Keeping Fee
You’ll pay no Account-Keeping Fee for as long as you’re under 30 or a fulltime student. Other fees may apply. 8
- 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 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
Apple Pay offers a fast and secure way to pay in-store and online, using your favourite Apple device
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
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.
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
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.7 To find out what offers are currently available – simply sign in to Online Banking and go to Rewards & Offers
Things you should know
2. Digital version: The Digital Card is only available on the Westpac 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.