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1. Decide what sort of accounts you need

Some accounts are designed to help you manage the money you have for spending, and other accounts are better suited to help with saving. You can get both with this account bundle that includes a Westpac Choice bank account1 and a Westpac Bump savings account.

Getting paid

If you earn money from a part time job or even get an allowance from your parents, you could arrange to have it paid directly into a Westpac Choice bank account. This can keep your money safe but give you access to it when you need it.


Accessing your money

A good everyday bank account should also offer you easy ways of accessing your money when you need it. A Westpac Choice bank account also comes with a Debit Mastercard2 which you can use to get money out at ATMs3 and for shopping in stores or online. You can even use it overseas. 


Get a helping hand with saving

Getting into good savings habits when you’re young can help set you up with good money skills for life. A Westpac Bump Savings account can also give your savings a boost by paying you bonus interest4 when you grow your savings monthly. You can make it easy on yourself by putting your savings on autopilot with an automatic transfer from your everyday bank account to your savings account.

$0 Account-Keeping Fee

There’s no Account-Keeping Fee on either your Westpac Choice bank account or your Westpac Bump Savings account.

There may be other fees and charges that apply in some circumstances – Please refer to the Terms and Conditions (PDF 621KB)

Westpac everyday and savings accounts come with these benefits:

What you’ll get with your Westpac Choice bank account

Get instant access to a Digital Card5 that you can add to your phone while you wait for your card to arrive.  You can also get exclusive access to heaps of discounts in our rewards hub6 with some of Australia’s biggest shops and online stores as well as some of the world’s biggest brands. That means your spending money can go further on entertainment, travel, fashion and more.


Making the most of your Westpac Bump savings account

Saving for more than one thing at once? You can set up to 6 savings goals in your Online Banking with just the one account and track them using our app on your phone. You’ll also earn bonus interest each month you grow your balance.


Earn up to 5.00% p.a. variable interest rates

  • 2.00% p.a. variable base interest rate
  • 3% p.a. variable bonus rate when you grow your balance every month

2. Know what accounts you want? Here’s what you’ll need to do

Open your accounts online and give us your details

It takes less than five minutes to open your Westpac Choice account and Westpac Bump savings account online. You’ll need to provide us with some basic details such as your name, age and address when you open your account. 

Provide your ID

So we can keep your money safe, we’ll need to check some of your ID before you can start using your account. The easiest way to do this is to head into a Westpac branch with your ID. This can include the following:


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

3. Start using your new accounts and debit card

  • Activate your debit card
    Your debit card will arrive in the mail within two weeks. When you get it there will also be instructions on how you can activate your card. (it’s easy to do online and can be done in a couple of minutes)
  • Get your savings goals up and running
    You can put your savings on autopilot with up to six different Savings Goals in your Westpac Bump Savings account. You can work out how much you’ll need to save on a regular basis to reach your goal by a set date and set up an automatic transfer. 

Under 18? Get $30 on us.

Never had a Bump Savings or Choice Account?

Get one of each then deposit at least $100 into your savings within 30 days - and we'll give you $30.


T&Cs apply.

Fees & Rates

Westpac Bump savings account $0
Westpac Choice bank account $0 (Account-Keeping Fee waived for under 30s)

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.

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Getting your first job

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Got your first job? We’ve got the lowdown on some first day at work basics, such as getting out a tax file number and sorting out your Super.

Things you should know
Personal Telephone Banking Terms and Conditions (PDF 215KB)

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. Westpac everyday account: fees and charges apply on a Westpac everyday account, which can be in the name of the child or a parent signatory. Transfers made by the child are subject to any Parental Controls.

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.

Mastercard® is a registered trademark of Mastercard International Incorporated.

3. Global ATM: A 3% Foreign Transaction Fee applies to overseas debit or credit card withdrawals. A 3% cash advance fee applies to credit card withdrawals where the "Credit" option is selected. A list of Global Alliance members is available. It is important to know that the functionality to withdraw money from a linked Westpac account via Credit Card is not available when using overseas ATMs, including Global Alliance ATMs. To ensure access to Savings and or Cheque account funds when overseas please speak to us about obtaining a Debit Mastercard®.

4. Bonus interest: You will be eligible for bonus interest if during the month (subject to transaction processing times):
a. your account balance has not fallen below $0; and
b. you (or someone on your behalf) have made a deposit of any amount; and
c. the account balance on the last business day of the month is higher than the account balance on the last business day of the previous month.
Interest paid into your account does not qualify as a deposit in terms of bonus interest eligibility. 

5. 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.

6. Partner offers are subject to Terms and Conditions and may be varied or change at any time. 

7.  Savings Goals: Both an account holder and an account signatory (where applicable) can use the Savings Goals feature, including to view, add, edit and delete the savings goals on a Bump Savings or Westpac Life account.

Apple, the Apple logo and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Samsung and Samsung Pay are trademarks or registered trademarks of Samsung Electronics Co. Android, Google Pay and Google Play are trademarks of Google Inc.

Financial Claims Scheme: payments under the FCS are subject to a limit for each depositor. For more information visit