At a glance
$0
Account-Keeping Fees
For at least the first year on new accounts for eligible customers – more details in the fees section.
$0
Cash withdrawal fees
In branch, from our ATMs and select partner ATMs. Plus, unlimited transactions and account enquiries.
$0
International transfer fees
If you send foreign currency overseas using Online Banking or the Westpac App. Other fees may apply.
HOW CAN I GET $50 CASHBACK?
1. Open a new Choice account
2. Make eligible purchases
The choice for easy day-to-day banking and more
Instant Digital Card®
Before you get your Debit Mastercard® use the digital version in the Westpac App. Then, add it to your mobile wallet.
Instant payments
Get PayID® payments instantly with just your mobile number. You can also tap and go using your mobile or your Debit Mastercard.
Banking on the go
Skip the trip to the branch and manage your banking when it suits you by using the Westpac App.
Get exclusive offers
Make full use of our customer-only discounts and cashback offers, including special ShopBack deals.
We speak your language
If English is not your first language, we offer:
- Language help and translation services
- ATMs with 9 languages other than English
- Easy English Guides for banking and other services.
Smart Budgeting and savings tools
LAYERS OF SCAM AND FRAUD PROTECTION
Save time, apply online
Not yet in Australia?
If you’re overseas but will arrive in Australia within 14 days, you might be able to start your account set up. This means you’ll get your Customer ID and Online Banking profile now. Then, once you arrive in Australia, verify your identity to activate your account.
Link your Choice account with a Westpac eSaver savings account
Enjoy a sweet, total introductory interest rate of up to 4.45% p.a on your savings for the first 5 months. Get the breathing space to explore your new life in Australia.
Account fees
| Standard fees (fees may change) | Amount |
|---|---|
|
Pay no Account-Keeping Fee for the first 12 months (usually $5 per month)
After this, the fee will continue to be waived for:
Customers aged 30 to 34 will be refunded the Account-Keeping Fee within 5 business days of the fee being charged. |
$0 |
| 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
Help when you need it
Options for new arrivals
Things you should know
Westpac Debit Mastercard® Terms and Conditions (PDF 338KB)
Online Banking Terms and Conditions (PDF 734KB)
Find out what information you need to provide to become a customer (PDF 657KB)
Westpac Ashes Cricket Campaign T&Cs (PDF 2MB)
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.
*Claim based on The Forrester Digital Experience Review™: Australian Mobile Banking Apps, Q3 2025, an evaluation of four Australian banking apps. Forrester does not endorse any company, product, brand, or service included in its research publications and does not advise any person to select the products or services of any company or brand based on the ratings included in such publications. Information is based on the best available resources. Opinions reflect judgment at the time and are subject to change. For more information, read about Forrester's objectivity here.
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.
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Westpac's retail deposit taking banking operations do not extend to other countries except where licenced to do so. This information is intended for individuals planning to migrate to Australia and Westpac is not soliciting retail deposits under foreign schemes. Deposits will be taken after you move to Australia and under the supervision of Australian regulators, not those of your current country of residence.