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Why choose a Westpac Choice account?

$0 monthly fees

With $0 monthly account keeping fees, your money can go even further.1

Pay and get paid in seconds

Use PayID to get paid instantly by your mates with just your mobile number. You can also tap and go using your mobile or your Debit Mastercard.2

Access exclusive offers and discounts

We’ve partnered with some major brands to help you save – think movie tickets, fashion and more.

Safety first

We’ve got your back with 24/7 fraud monitoring and our Fraud Money Back Guarantee.3

Under 18? Get $30 on us

Open a Choice transaction account at the same time as your Bump Savings account then deposit at least $100 into your savings within 30 days - and we'll give you $30. T&Cs apply.

Learn more

How to open

It only takes a few minutes to open your Westpac Choice account with debit card online. You'll need to provide us with some basic details such as your name, age. 

Parents or guardians wishing to open an account on behalf of their child can do so by visiting a branch along with their child.

Provide your ID

To open your account, we’ll need to check some of your ID. This can include:

  • Medicare card
  • Passport
  • Australian driver’s licence
  • Australian birth certificate


You’ll also need to provide your tax residency details – this might sound confusing, but all it means is if you’re required to pay tax in another country, you’ll need to give us the details (and if you’re not, you can just tell us no in the form).


If you're Aboriginal and Torres Strait Islander and you don't have any of the required forms of identification, please call our Indigenous Call Centre on 1800 230 144 Monday to Friday 9am - 6.30pm ACST or visit your nearest branch.

Give your kids a head start with their own Debit Card

Children 8 years old and over can link a Debit Mastercard® to their Westpac Choice youth account, fast-tracking their money skills with kid-friendly features, keeping them safe and secure:

Weekly spend limit

So they don't spend all their money at once, changing the limit as they get more experienced.

Card lock and unlock

Keeps their money safe if they’ve lost, misplaced or had their Debit Card stolen.

Kid rated shopping

Children can shop confidently in-store or online without the fear of spending at adult-only sites or retailers.

Parental notifications

Messages for parents or guardians about their account activity so you can guide and support your child.

Learn more about Push Notifications


Standard fees (fees may change) Amount
Account-Keeping Fee (usually $5) is waived for under 30s $0

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

Money tips and tricks

Grow your independence with pocket money

Managing your pocket money is much simpler when paid regularly and directly to your account. Find out how your parents can set up pocket money payments via the Westpac App.

Financial literacy for kids and teens

We're here to help you learn how to better manage your money with simple lessons, tips and tricks to help build good money habits to get ahead and stay ahead.

Did you know?

In an Australian industry first, Westpac Group has a Child Safeguarding Position Statement that sets out the principles that guide our approach as we work to embed a child safe culture within our organisation.

Child Safeguarding Position Statement.


If you're 8 years or over, you can order a Debit Mastercard to link to your Westpac Choice account.

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. Monthly account keeping fees are waived for customers under 30. For a full list of fee waiver eligibility, refer to our Terms and Conditions (PDF 621KB)


2. 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. 


3. Westpac Fraud Money Back Guarantee: ensures that customers will be reimbursed for any unauthorised transactions, provided that the customer has not contributed to the loss and contacted Westpac promptly. Refer to the Westpac Debit Mastercard Terms and Conditions for full details, including when a customer will be liable.


4. Third Party Push Notifications: A third party, such as parent or guardian, who has been granted access to a Westpac Bump Savings or Choice Youth account can choose to receive real-time mobile push notifications for when account transactions occur.


5. Digital version: The Digital Card is only available on the Westpac App and supported with the latest version of Westpac Mobile Banking. The terms and conditions applicable to your product also apply to the use of your digital card. Online Banking Terms & Conditions also apply. You may not always be able to access your digital card.


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