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Why Westpac Choice?

Instant Digital Card®

Get instant access to a digital version of your card¹ via the Westpac App before your Debit Mastercard®2 arrives in the mail

Pay $0 monthly fee

Pay no account-keeping fee for your first year if you've arrived in Australia within the last 12 months. After this, we will continue to waive the fee if you meet certain criteria outlined in the ‘fees’ section below

$0 international transfers5

When you send foreign currency overseas via Online Banking or the Westpac App. See our conversion rates and included countries.

> FX rates & included countries

Get exclusive offers

Get access to discounts and cashbacks just for being a customer, including exclusive ShopBack offers

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.

Account Features

Access cash via the app

Get cash out of Westpac, St.George, Bank of Melbourne and BankSA ATMs without a card using the Westpac App.

Apple and Google Pay

Link your card to Apple Pay, Google Pay, Samsung Pay, Fitbit Pay and Garmin Pay to make fast contactless payments with your mobile or wearable.3

Simple and Secure

Now you can sign into the Westpac App, safely and securely using facial recognition, your fingerprint or 4-digit passcode.4

ATM network at home and overseas

Pay no ATM withdrawal fee at Westpac Group ATMs in Australia, and overseas through our Global ATM Alliance. Other fees may apply.8

Pay and get paid in seconds

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


Before you apply

You must be:
  • In Australia and have an Australian residential address
  • 14 years or over to open online, or you’ll need to go to a branch.
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). After this, the fee will continue to be waived for:
  • Customers that deposit at least $2,000 each month
  • Customers under the age of 30
  • Customers who are full-time tertiary students

Other fees and charges may apply. Please refer to the Terms and Conditions (PDF 620KB)


Card on hold
Can’t find your card? Don’t panic, you can temporarily lock it in seconds with Card on Hold while you search6.

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 Guarantee7.

Westpac Protect™ SMS Code
Increase your security when banking online by using your mobile phone to confirm certain transactions via text messages.

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
Deposit Accounts for Personal customers Terms and Conditions (PDF 620KB)
Westpac Debit Mastercard® Terms and Conditions (PDF 218KB)
Online Banking Terms and Conditions (PDF 555KB)
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.  The Digital Card: 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.

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. Google Pay: Read the  Terms and Conditions (PDF 125KB) (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.  

4. Finger print login: Fingerprint sign in is available on compatible devices only. Customers must be registered for Westpac online banking and have set up fingerprint ID to use the service.


5. Westpac transfer fees still apply for funds sent in Australian dollars. Receiving bank fees may also apply, check the currency converter for indicative rates and fees


6. 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.


7. 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.

8. Global ATM: A 3% Westpac Foreign Transaction Fee applies to overseas debit card withdrawals. A list of Global Alliance members is available. To ensure access to savings and/or cheque account funds when overseas obtain a Debit Mastercard®.


# $50 Cashback offer: Fees and charges apply. Read the  Deposit Accounts for Personal Customers Terms and Conditions (PDF 620KB) 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.