WESTPAC CHOICE BANK ACCOUNT WITH DEBIT CARD
Westpac Choice is our most popular account. A simple-to-use everyday bank account, you could get up to $100 in offers when you open your account and make a minimum spend. Read on to find out how.
You could get up to $100 in offers with a new Choice account
Voted Canstar's Outstanding Value for Transaction Accounts 2024/2025.
Get
$50
When you bank and save with Westpac
Open a new Choice everyday account and an eligible savings account together between 1 February 2026 and 20 April 2026, and here’s how you can get $50:
- Deposit $50 or more into your new Choice everyday account within 10 days.
- We’ll add $50 to your savings account once you meet the criteria.
This promotion runs from 1 February 2026 to 20 April 2026.
Eligibility criteria:
- You must:
- Not have held either a transaction account or savings accounts with Westpac in the last 2 years (applies to both account holders for joint accounts)
- Open a new Westpac Choice account AND, either a Westpac Life (18+) OR Westpac Bump (U18) OR Westpac E-Saver. Accounts must be in the same name, and active and ready to use.
- Open both accounts and deposit $50 or more into your Westpac Choice transaction account within 10 calendar days. Deposit(s) must be processed (not pending) by the 10th day.
- Deposit must be customer-initiated and does not include interest payments into the account.
- Keep the account open for a minimum of 60 days after your eligible deposit.
If you meet the above:
- You're eligible for a one-time $50 payment.
- The $50 payment will be made to your Westpac Life/ Westpac Bump / Westpac E-Saver account within 60 days of you meeting all Terms and Conditions and eligibility criteria.
- If you open more than one Westpac Life / Westpac Bump / Westpac E-Saver account, the $50 cashback will be made to one account only. It will be the first savings account opened and active.
Joint accounts not eligible. This promotion may be varied or withdrawn at any time. It is not available in conjunction with any other offer unless otherwise stated.
This information is general in nature and has been prepared without taking your personal objectives, circumstances and needs into account. You should consider the appropriateness of the information to your own circumstances and, if necessary, seek appropriate professional advice.Up to
$50
In the 2026 school year in the Flexischools app
With your new Choice account:
- Get up to $50 in Order-Fee Rebates when you link your Westpac Debit Mastercard® to your Flexischools account by 20th April and use it for online orders.
- Rebate offer valid for 12 months. Rebates will be credited to your Flexischools wallet.
Order Fee Rebate Offer Terms and Conditions:
Things you should know
- The Rebate Offer is available for purchases between 20 January 2026 and 31 December 2026 inclusive (the Offer Period).
- Get up to $50 in order-fee rebates when you link your Westpac Debit Mastercard® to your Flexischools account and use it for online orders during the Offer Period.
To be eligible for this offer, you must:
- Be an existing Flexischools customer.
- Between 20 January 2026 and 20 April 2026, link your Westpac Debit Mastercard® as the preferred payment method in your Flexischools account.
- Make purchases using the linked Westpac Debit Mastercard® (including from your Flexi wallet funded by top ups from the linked Westpac Debit Mastercard) for all online orders during the Offer Period;
- Ensure the card remains active and is used as the payment method for qualifying orders.
Rebate Offer
- Customers will receive a refund of the Order Fee (33 cents AUD) for every completed Flexischools online order paid using their linked Westpac Debit Mastercard® (including from your Flexi wallet funded by top ups from the linked Westpac Debit Mastercard) .
- The total rebate is capped at $50 (AUD) per customer within the Offer Period
- Rebates will be automatically credited to your Flexischools digital wallet.
Timing:
- Rebates will be processed within 10 business days after the qualifying transaction is settled
Exclusions:
- Westpac Credit cards and other non-Westpac cards are not eligible.
- Cancelled, refunded or reversed orders do not qualify for the rebate.
- Only one rebate entitlement (capped at $50AUD) is available per user within the Offer Period.
- The offer is not available for transactions made using other payment methods (i.e., PayPal) or unlinked Westpac cards.
Fees, charges, terms, and conditions apply to Westpac Choice and Debit Mastercard® Please read the terms and conditions which you can find here Terms and Conditions | Westpac.
This promotion may be varied or withdrawn at any time.
Mastercard® is a registered trademark and the circles design is a trademark of Mastercard International Incorporated.
The choice for easy day-to-day banking and more
Savings finder
This handy tool helps you keep track of what you spend each year on subscriptions and bills, so you can find ways to save money.
Instant Digital Card®
Before you get your Debit Mastercard® use the digital version in the Westpac App. Then, add it to your mobile wallet.
Home loan savings
Link one or more Choice accounts to your eligible Westpac home loan to help reduce the interest you’ll pay.
Get exclusive offers
Make full use of our customer-only discounts and cashback offers, including special ShopBack deals.
SMART BUDGETING AND SAVINGS TOOLS
LAYERS OF SCAM AND FRAUD PROTECTION
Save time, apply online
Account fees
Open a new Westpac Choice account online between 1 February 2024 and 30 September 2026 to have the monthly Account-Keeping Fee waived for the first 12 months. At the end of the 12-month period, the monthly Account-Keeping Fee (currently $5) will apply unless the minimum monthly deposit criteria are met. Individual(s) under the age of 30, New Arrivals, and students are ineligible for this Offer. This offer is not applicable to the Westpac Choice Concession account. For joint accounts, individuals must meet the eligibility criteria for the fee waiver to apply. Other fees and charges, terms and conditions apply to the Westpac Choice account. This offer may be repeated from time to time, withdrawn, varied, or extended at any time.
| Standard fees (fees may change) | Amount |
|---|---|
| Online Banking withdrawal (including Mobile Banking) | $0 |
| Telephone Banking withdrawal (self service) | $0 |
| Telephone Banking withdrawal (staff assisted) | $0 |
| Branch staff assisted withdrawal | $0 |
| Direct Debit | $0 |
| Point of Sale (POS) transactions | $0 |
| ATM cash withdrawals in Australia (ATM providers may charge a fee – watch out for that!) | $0 |
| Overdrawn Fee (for more information: Overdraw Preference Feature) | $15 |
| Unarranged Lending Rate (ULR) is a debit interest rate charged to a transaction account if it becomes overdrawn without arrangement | 15.01% p.a. |
| Overseas Withdrawal Fee from a Global Alliance Partner ATM (for more information on Global Alliance Partners: Accessing your accounts overseas) | $0 |
| Overseas Withdrawal Fee 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 643KB)
This account doesn’t earn interest. If you’d like to earn interest, you can open a savings account at the same time. Find out how
Aged 18-34?
You could earn up to 5.00% p.a. variable interest on your first $30,000 savings with a Life Savings and Choice bank account. T&Cs and exclusions apply.
An account that works for your needs
-
YOUTH EVERYDAY ACCOUNT
- Tick - Choose a Westpac Choice Youth account and if you're 8 or older link a debit card to the account. You'll be able to get cash at ATMs or spend online or in-store.
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NEW TO AUSTRALIA? BANK ACCOUNT WITH DEBIT CARD
Spend $50 and you could get $50 cashback
- Tick - With a Westpac Choice account pay no Account-Keeping Fees for a year. Full-time international student? Pay no Account-Keeping Fees while you study.
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STUDENT OR YOUNG ADULT? BANK ACCOUNT WITH DEBIT CARD
Spend $50 and you could get $50 cashback
- Tick - Keep your finances in check with Westpac Choice. Get convenient banking with no monthly fees for those under 30 or full-time tertiary students.
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INTERNATIONAL STUDENT? BANK ACCOUNK WITH DEBIT CARD
Spend $50 and you could get $50 cashback
- Tick - With a Westpac Choice account pay no monthly fees if you’re studying full-time. Receive money from family overseas, pay for things you need, and use your debit card to shop online or in stores.
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WESTPAC 55+ AND RETIRED ACCOUNT
- Tick - Combines the benefits of a transaction and a savings account in one. Includes a linked Debit Mastercard® for secure payments. Earn interest like a savings account—and pay $0 Account-Keeping Fees.
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CONCESSION BANK ACCOUNT WITH DEBIT CARD
- Tick - For holders of a Concession or Health Care card, benefit recipients, or low- or no-income earners. A Westpac Choice Concession account has no monthly or overdrawn fees.
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JOINT BANK ACCOUNT WITH DEBIT CARD
Spend $50 and you could get $50 cashback
- Tick - A Westpac Choice everyday joint account is packed with features and includes a linked debit card for each account holder. Open one together online.
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FIRST NATIONS BANKING
- Tick - Wherever you are on Country our mob are ready to help and support you with all your banking needs. We can even arrange a free translator in some languages to make things easy.
Frequently Asked Questions
The Order Fee Rebate is available for purchases between 20 January 2026 and 31 December 2026 inclusive. However, you must have your Westpac Debit Mastercard linked as the preferred payment method in your Flexischools wallet by 20 April 2026, to be eligible for the Order Fee Rebate. Refer to the Terms and Conditions for further details.
The order fee will still be charged at checkout and then automatically rebated to your Flexischools wallet within 10 business days after the transaction settles. The Order Fee Rebate will be credited as a lump sum for the prior week's orders.
Rebates will appear as a lump sum credit in your Flexischools wallet within 10 business days after the qualifying order has settled.
To remain eligible for the Order Fee Rebate, you must ensure the Westpac Debit Mastercard linked in your flexischools account as your preferred payment method remains active and is used as the payment method for qualifying orders.
If you receive a replacement Westpac Debit Mastercard, you'll need to update and relink the new card in your Flexischools accout to remain eligible for the rebate.
Help when you need it
Things you should know
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.
Protected by the Financial Claims Scheme (FCS): If you have a Westpac deposit account, in certain circumstances you may be entitled to a payment under the FCS. Payments under the FCS are limited for each customer. You can find out more information from the APRA website at www.fcs.gov.au.
PayID® is a registered trademark of NPP Australia Limited and any use of its marks by Westpac is under license.