Summary
Before you get started, here’s a quick recap of what you’re applying for:
Westpac Choice
- An everyday account with a Debit Mastercard®¹ to make deposits and withdrawals, payments online or on the Westpac App
- $0 Account-Keeping Fee for the first 12 months (usually $5 per month). After this, the fee will continue to be waived if you:
- Are under 30 or a full-time tertiary student
- Deposit at least $2,000 each month
- Link your Choice account to your Rocket Repay Home Loan or Rocket Investment Loan as an offset account (for as long as the account is linked)
- You’re at least 14 years old with an Australian residential address.
Special offer
Double your $50 with us!
Open both a Westpac Choice everyday account and an eligible savings account together. Deposit at least $50 into your Choice account within 10 days, and we’ll add $50 to your savings. Ends 20/04/2026.
New Customers Only. T&Cs apply
The $50 'Double U' Cashback Promotion Terms and Conditions
This promotion runs from 1 February 2026 to 20 April 2026.
Eligibility criteria:
You must:
- Not have held either a transaction account or savings accounts with Westpac in the last 2 years (applies to both account holders for joint accounts)
- Open a new Westpac Choice account AND, either a Westpac Life (18+) OR Westpac Bump (U18) OR Westpac eSaver. Accounts must be in the same name, and active and ready to use.
- Open both accounts and deposit $50 or more into your Westpac Choice transaction account within 10 calendar days. Deposit(s) must be processed (not pending) by the 10th day.
- Deposit must be customer-initiated and does not include interest payments into the account.
- Keep the account open for a minimum of 60 days after your eligible deposit.
If you meet the above:
- You're eligible for a one-time $50 payment.
- The $50 payment will be made to your Westpac Life or Westpac Bump or Westpac eSaver account within 60 days of you meeting all Terms and Conditions and eligibility criteria.
- If you open more than one Westpac Life or Westpac Bump or Westpac eSaver account, the $50 cashback will be made to one account only. It will be the first savings account opened and active.
Joint accounts not eligible. This promotion may be varied or withdrawn at any time. It is not available in conjunction with any other offer unless otherwise stated.
What kind of account do you need?
Single
Joint
Are you currently living in Australia?
Yes
No
Are you already a Westpac customer?
Yes
No
What to have handy
- Your Westpac Online Banking sign in details.
By continuing you agree
To begin, you acknowledge:
- You have read our Privacy Statement which explains how we collect, use and disclose your personal information, including marketing communications which we send to you.
- You have read our Financial Services Guide (PDF 218KB) which provides important information on the financial services and products we offer as a financial services licensee.
By opening the account, you agree:
- To the Deposit Accounts for Personal Customers Terms and Conditions (PDF 643KB) and the Online Banking Terms and Conditions (PDF 633KB) that apply to the products and services you are applying for.
- To us sending you a Debit Mastercard® and linking it to your account, as set out in the Westpac Debit Mastercard Terms and Conditions (PDF 338KB).
- To provide your consents to the actions we may take in processing your application including:
- for us to contact you about this application
- for you to receive communications about your account, as well as account statements and terms and conditions electronically. You may change your communication preferences in Online Banking or by contacting us at any time. If you are not registered for Online Banking, you will receive account statements in paper form.
- To your obligations relating to Anti-Money Laundering and Counter-Terrorism Financing requirements, as well as our other reporting obligations if you are a foreign tax resident.
Ready to get started?
What to have handy
By continuing you agree
To begin, you acknowledge:
- You have read our Privacy Statement which explains how we collect, use and disclose your personal information, including marketing communications which we send to you.
- You have read our Financial Services Guide (PDF 218KB) which provides important information on the financial services and products we offer as a financial services licensee.
By opening the account, you agree:
- To the Deposit Accounts for Personal Customers Terms and Conditions (PDF 643KB) and the Online Banking Terms and Conditions (PDF 633KB) that apply to the products and services you are applying for.
- To us sending you a Debit Mastercard® and linking it to your account, as set out in the Westpac Debit Mastercard Terms and Conditions (PDF 338KB).
- To provide your consents to the actions we may take in processing your application including:
- for us to contact you about this application
- for you to receive communications about your account, as well as account statements and terms and conditions electronically. You may change your communication preferences in Online Banking or by contacting us at any time. If you are not registered for Online Banking, you will receive account statements in paper form.
- To your obligations relating to Anti-Money Laundering and Counter-Terrorism Financing requirements, as well as our other reporting obligations if you are a foreign tax resident.
Ready to get started?
If you arrive in Australia within 14 days, you may be able to set up your account. Then, once you arrive, verify your identity to activate your account. Find out more
Are you both currently living in Australia?
Yes
No
Are you already a Westpac customer?
Yes
No
What to have handy
- Your Westpac Online Banking sign in details.
By continuing you agree
To begin, you acknowledge:
- You have read our Privacy Statement which explains how we collect, use and disclose your personal information, including marketing communications which we send to you.
- You have read our Financial Services Guide (PDF 218KB) which provides important information on the financial services and products we offer as a financial services licensee.
By opening the account, you agree:
- To the Deposit Accounts for Personal Customers Terms and Conditions (PDF 643KB) and the Online Banking Terms and Conditions (PDF 633KB) that apply to the products and services you are applying for.
- To us sending you a Debit Mastercard® and linking it to your account, as set out in the Westpac Debit Mastercard Terms and Conditions (PDF 338KB).
- To provide your consents to the actions we may take in processing your application including:
- for us to contact you about this application
- for you to receive communications about your account, as well as account statements and terms and conditions electronically. You may change your communication preferences in Online Banking or by contacting us at any time. If you are not registered for Online Banking, you will receive account statements in paper form.
- To your obligations relating to Anti-Money Laundering and Counter-Terrorism Financing requirements, as well as our other reporting obligations if you are a foreign tax resident.
- To hold the account in joint names (to open an account in trust you’ll need to visit a branch).
- That you have permission to give us personal information about any joint applicants.
- That both account holders can transact on the account individually, for example, withdraw funds without permission from the other account holder.
Ready to get started?
What to have handy
By continuing you agree
To begin, you acknowledge:
- You have read our Privacy Statement which explains how we collect, use and disclose your personal information, including marketing communications which we send to you.
- You have read our Financial Services Guide (PDF 218KB) which provides important information on the financial services and products we offer as a financial services licensee.
By opening the account, you agree:
- To the Deposit Accounts for Personal Customers Terms and Conditions (PDF 643KB) and the Online Banking Terms and Conditions (PDF 633KB) that apply to the products and services you are applying for.
- To us sending you a Debit Mastercard® and linking it to your account, as set out in the Westpac Debit Mastercard Terms and Conditions (PDF 338KB).
- To provide your consents to the actions we may take in processing your application including:
- for us to contact you about this application
- for you to receive communications about your account, as well as account statements and terms and conditions electronically. You may change your communication preferences in Online Banking or by contacting us at any time. If you are not registered for Online Banking, you will receive account statements in paper form.
- To your obligations relating to Anti-Money Laundering and Counter-Terrorism Financing requirements, as well as our other reporting obligations if you are a foreign tax resident.
- To hold the account in joint names (to open an account in trust you’ll need to visit a branch).
- That you have permission to give us personal information about any joint applicants.
- That both account holders can transact on the account individually, for example, withdraw funds without permission from the other account holder.
Ready to get started?
You’ll both need to be in Australia to open an account with us. Once you arrive, you’ll need to provide an Australian residential address and phone number.
Things you should know
Debit Mastercard®: Westpac Choice 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.
Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.