Compare everyday bank accounts
Our everyday bank account comparison table makes selecting the most appropriate bank account that much easier. You can easily compare features across our range of accounts to decide which account could work best for you.
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Features
Account-Keeping Fee
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$5.00 |
$0 |
$0 |
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Minimum monthly deposit to waive Account-Keeping Fee
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$2,0001 |
N/A |
N/A |
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Minimum monthly balance to waive Account-Keeping Fee
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N/A |
N/A |
N/A |
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Free transactions (per month)*
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Unlimited transactions |
Unlimited transactions |
Unlimited transactions |
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Free Telephone Banking enquiries (per month)
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Unlimited enquiries |
Unlimited enquiries |
Unlimited enquiries |
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Overdraw Preference Feature
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Available, unless one or more account holders is under 18 years of age. |
Unavailable. Your account balance will no longer be able to go below $0 unless we can’t stop a payment from your account. If a payment is processed and your account balance goes below $0, there is no overdrawn fee or interest. |
Available, unless one or more account holders is under 18 years of age. |
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Overdrawn Fee
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$15 |
$0 |
$15 |
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Unarranged Lending Rate
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15.01% |
N/A |
15.01% |
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Interest rates for credit interest
Balances from $0 to less than $9,999
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N/A |
N/A |
0.30% p.a. |
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On the part of the balance from $9,999 to less than $49,999
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N/A |
N/A |
1.50% p.a. |
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On the part of the balance from $49,999 to less than $249,999
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N/A |
N/A |
1.85% p.a. |
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On the part of the balance from $249,999 and over
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N/A |
N/A |
2.30% p.a. |
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Excess transaction fees Online Banking withdrawal or direct debit |
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$0 |
$0 |
$0 |
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Telephone banking electronic withdrawal
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$0 |
$0 |
$0 |
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EFTPOS
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$0 |
$0 |
$0 |
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Westpac/St.George/BankSA branded ATMs withdrawal
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$0 |
$0 |
$0 |
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Cheques written
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$0 |
N/A |
$0 |
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Branch staff assisted withdrawal
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N/A |
$0 |
$0 |
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Additional fees
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$0 |
$0 |
$0 |
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Overseas Withdrawal Fee3
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$5 |
$5 |
$5 |
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Overseas ATM balance enquiry
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$0 |
$0 |
$0 |
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Foreign Transaction Fee
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Refer to footnote 4 |
Refer to footnote 4 |
Refer to footnote 4 |
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Periodical payment not made fee
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$0 |
$0 |
$0 |
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Accessing your money
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Branch Online Banking Telephone banking ATM EFTPOS Cheque5 Debit Mastercard®6 |
Branch Online Banking Telephone banking ATM EFTPOS Cheque5 Debit Mastercard®6 |
Branch Online Banking Telephone banking ATM EFTPOS Cheque5 Debit Mastercard®6 |
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Things you should know
2. Non-Westpac Group branded ATMs apply an ATM operator fee by the ATM Owner, which is disclosed at the time of the transaction on the ATM screen. This fee will be debited on the day (or next business day) of the transaction and itemised separately on your statement.
3. Nil for cash withdrawals from participating Global ATM Alliance partners in designated countries. For more information, read Using ATMs overseas.
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 of Australia (comprising of 2% Westpac Processing Fee plus 1% Westpac On-Charged Scheme Fee);
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 a Westpac On-Charged Scheme Fee of 0.2%).
5. Customers must be 18 years and over.
*Day to day banking transaction across Westpac branches, Westpac/St.George/Bank SA branded ATMs, EFTPOS, Telephone Banking, Online Banking, Cheques and direct debits. Other fees and charges may apply.