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 41 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
You could earn $50 with us!
Open a new Westpac Choice everyday account and an eligible savings account between 9 June and 30 September 2026. Spend at least $50 on your debit card within 15 days of opening your account on eligible purchases.
This promotion runs from 9 June 2026 to 30 September 2026.
To be eligible you must:
- 18+ and have not held any transaction account or savings accounts with Westpac in the last 2 years from the date the last transaction or savings account closure.
- Open a new Westpac Choice account AND, either a Westpac Life OR Westpac eSaver. Accounts must be in the same name, activated and ready to use.
- Make eligible purchases totalling at least $50 using the debit card linked to your Westpac Choice account within 15 calendar days of the first account being opened. Transaction(s) must be processed (not pending) by the end of the 15th day.
- Transaction(s) must be customer-initiated and does not include interest payments, direct debits or internal transfers between your Westpac accounts.
- Keep the account open for a minimum of 60 days after you meet all other eligibility criteria.
- Hold the accounts in one name only. These accounts cannot be joint accounts.
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 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 eSaver account, the $50 payment will only be made once into the first savings account opened and activated.
- This promotion may be varied or withdrawn at any time.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?
Are you currently living in Australia?
Are you already a Westpac customer?
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 687KB) and the Online Banking Terms and Conditions (PDF 814KB) 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 396KB).
- 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 687KB) and the Online Banking Terms and Conditions (PDF 814KB) 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 396KB).
- 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?
Are you both currently living in Australia?
Are you already a Westpac customer?
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 687KB) and the Online Banking Terms and Conditions (PDF 814KB) 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 396KB).
- 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 687KB) and the Online Banking Terms and Conditions (PDF 814KB) 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 396KB).
- 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?
Things you should know
Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.