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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.⁵
  • 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
  • You will need to verify your identity at a branch in Australia before you can withdraw funds*
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 ATM3

Lock your card

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

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 1MB)


Card on hold
Can’t find your card? Don’t panic, you can temporarily lock it in seconds with Card on Hold while you search⁴.

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™ 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. Once you arrive in Australia you can request a Debit Mastercard®. Read the  Terms and Conditions (PDF 205KB) and decide whether the product is right for you.

3. 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.

4. 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.

5. 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 1MB).


6.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.

*For your account to be fully functional, you need to visit a Westpac Branch to complete your verification checks once you have arrived in Australia. You can only withdraw or transfer funds from your account after your identity has been verified by our Branch staff in Australia. We recommend you apply for your accounts and deposit funds to these accounts after you've received a valid Australian visa. 

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.