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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.⁴
  • ATM network at home and overseas
    Pay no withdrawal fee at any major bank ATM in Australia (including Westpac, Commonwealth Bank, ANZ, NAB, St.George, Bank of Melbourne and BankSA) and ATMs globally via the Global ATM Alliance and partner ATMs.¹
  • Once you arrive in Australia, you can apply online in 3 minutes and deposit money into your account.

Get $50 on us

New arrivals to Australia aged 18 years or older

Simply open a new Westpac Choice account online or at a branch by 30 September 2024, and make a single deposit of $100 within 10 days of opening#.

T&Cs and eligibility criteria apply.

Shop and get money out with a Debit Mastercard®

Use your Debit Mastercard®2 to shop securely online, access cash at ATMs and use PayPass™ to tap and go on purchases under $100

Apple Pay

Apple Pay offers a fast and secure way to pay in-store and online, using your favourite Apple device

Use your phone instead of your card to get out cash

Withdraw cash using your phone from any Westpac, St.George, Bank of Melbourne or BankSA ATM

Lock your card

Can’t find your card? You can temporarily lock it in seconds with card on hold while you search4

Before you apply

Make sure you’re eligible​
  • You’re 14 years or over
  • You have an Australian residential address and are currently in Australia.
What you'll need

An ID document such as your passport, Medicare card or driver licence (with photo and full name).​

For a list of documents that we accept, refer to Identification Checklist (PDF 657KB).

Link your Choice account with a Westpac eSaver savings account

Enjoy a sweet, total introductory interest rate of up to 5.20% p.a on your savings for the first 5 months, giving you the breathing space to explore your new life in Australia.

Explore eSaver

Setting up life in Australia?

We've partnered with ShopBack to bring you Cashback offers on a wide variety of online stores across homewares, technology, food services, travel and more to make it easier for you to settle in.

Find out more


Standard fees (fees may change) Amount
Pay no Account-Keeping Fee for the first 12 months (usually $5) and while you remain a full-time tertiary student you won’t pay any Account-Keeping Fee $0

Other fees and charges may apply. Please refer to the Terms and Conditions (PDF 621KB)


Card on hold
Can’t find your card? Don’t panic, you can temporarily lock it in seconds with Card on Hold while you search3.

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 Guarantee5.

Westpac Protect™ Security Code
Increase your Online Banking security by using your Security Code to confirm certain transactions via the Westpac App or SMS.

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.

Things you should know
Find out what information you need to provide to become a customer (PDF 657KB)

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. Global ATM: A 3% Foreign Transaction Fee applies to overseas debit or credit card withdrawals. A 3% cash advance fee applies to credit card withdrawals where the "Credit" option is selected. A list of Global Alliance members is available. 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®.

2.Debit Mastercard®: holders need to be at least 8 years of age and have an Australian residential address to be eligible for the card. 

3. 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.

4. From November 2021, $0 account-keeping fee will automatically apply for as long as any account holder on the account is Under 30. This amends the Deposit accounts for personal and self-managed superannuation fund customers’ Terms & Conditions. $0 Account-Keeping Fee will also apply whilst you are a full-time tertiary student. You will need to have your full-time tertiary student ID verified at any Westpac branch to enjoy the $0 Account-Keeping Fee. Other fees and charges may apply. View the Terms and Conditions (PDF 621KB).


5. Westpac Fraud Money Back Guarantee: Customers will be reimbursed for any unauthorised transactions provided that the customer has not contributed to the loss and contacted Westpac promptly.

# $50 Cashback offer: Fees and charges apply. Read the  Deposit Accounts for Personal Customers Terms and Conditions (PDF 1MB) before making a decision and consider whether the product is right for you. To receive AUD50, you must: open a new Westpac Choice account between 1 May 2024 and 30 September 2024, have never held a transaction account with Westpac before, and make single deposit of AUD100 into the new account within 10 days of account opening.  The offer is available for customers who are new to Australia (arrived in the last 12 months) and over 18 years of age. Customers must hold a valid foreign issued identification document in our  identification checklist (PDF 657KB). For joint accounts, both account holders must not have held a Westpac transaction account before.​ The AUD50 promotion amount will be paid into the customer’s Westpac Choice account within 50 days of meeting these terms and conditions. The Westpac Choice account must remain open during that period to receive the cashback reward. Limited to only one eligible account per eligible customer (including where it is a joint account) and paid to the Westpac Choice account that was opened first. Not available in conjunction with any other offer unless we determine otherwise. We reserve the right to withdraw, amend or extend this offer at any time. We recommend you seek an independent, professional tax advice to determine tax implications on the cashback based on your personal circumstances.

Read the  Apple Pay Terms and Conditions (PDF 42KB) before making a decision and consider if it is right for you. To use Apple Pay you will need an eligible card and a compatible device with a supported operating system. See our  Apple Pay FAQs for more information. Apple, the Apple logo, Apple Pay, Apple Watch and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.

Mastercard® is a registered trademark of Mastercard International Incorporated.