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Why Westpac Choice joint account?

  • You can both get a Debit Mastercard®
    Use your Debit Mastercard ®1 to shop securely online, access cash at ATMs and use PayPass™ to tap and go on purchases under $100.
  • There’s no Account-Keeping Fee when you deposit at least $2,000 each month
    Such as having both your salaries paid into your joint account (other fees apply). Fee also waived for Westpac Choice accounts opened online between 01/02/2024 - 30/09/24 (for the first 12 months).
  • ATM Network
    Pay no withdrawal fee at any major bank ATM in Australia (including Westpac, St.George, BankSA, Bank of Melbourne or select Westpac Group partner ATMs) and ATMs globally via the Global ATM Alliance (other fees may apply). 2

Who can open a joint account?

Both account holders need to be:

  • 14 years or older
  • Currently living in Australia and have an Australian residential address.

You can make payments with


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

Digital Card Security

It’s a digital version of your card available 24/7 in the Westpac App. The 3-digit CVC security number changes daily to ensure your details are kept safe. Find out more

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 guarantee5 to repay any missing funds, providing you comply with our Online Banking Terms and Conditions


Standard fees (fees may change) Amount
Account-Keeping Fee
  • Customers that open a new Westpac Choice account online between 01/02/24 and 30/09/24 (for the first 12 months).

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

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. 
  1. Debit Mastercard®: Choice for youth account, the eligible card age is 8. For any other transaction account, the eligible card age is 14. You must have an Australian residential address. 
  2. 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®.
  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. Google Pay: Read the Terms and Conditions (PDF 125KB) before making a decision and consider if it is right for you. Available for eligible cards. To use Google Pay you will need to use a compatible device with a supported operating system.  
  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.
Mastercard® is a registered trademark of Mastercard International Incorporated.