An everyday account with a debit card
Westpac Choice, the go-to everyday account that packs a punch
- No monthly account-keeping fees for eligible customers¹
- No minimum monthly balances or deposits
- No withdrawal fees at branded and select non-branded ATMs
- Unlimited free transactions and account enquiries
Explore how Westpac Choice could work for you
Whether you’re looking for your very first bank account, want to consolidate your banking to make Westpac your home bank, or want an account that can grow with you, Westpac Choice could be the right choice.
Adults 30 and over
A simple-to-use everyday account packed full of features including a linked debit card that’s designed to help you bank with ease.
Kids and teenagers
Pay no monthly fee for an everyday bank account that's safe, simple to use and could help build good money habits.
Young adults and students
Pay no monthly fee for an everyday bank account if you’re under 30 or a full time tertiary student.
New arrivals in Australia
Pay no account-keeping fee for a year if you’re new in Australia, or none at all as a full-time international student.
Concession
A basic, low-cost account for individuals who hold a Concession or Health Care card, or receive an eligible Australian Government benefit payment.
Aged 18-29?
You could earn up to 5.20% p.a. variable interest on your first $30,000 savings with a Life Savings and Choice bank account.
Over 55? Get the everyday account specifically designed to make retirement a breeze
Get all the flexibility of a transaction account with the benefit of interest rates you’d expect from a savings account.
Westpac 55+ and Retired
- $0 account-keeping fee
- Unlimited access via Online Banking, Telephone Banking, branded ATMs and branches
- Link a Debit Mastercard® to access your money or make purchases overseas, online or over the phone
- Earn bonus interest on balances of $10,000 or more, with rates reaching as high as 2.30% p.a. on the part of the eligible balance².
Earn Bonus Cashback with ShopBack
Westpac customers can access exclusive Bonus Cashback when shopping via the new Westpac Lounge on ShopBack.
Help when you need it
Handy guides and articles
Things you should know
Who can apply for a Debit Mastercard?
1. No monthly account-keeping fees apply to Westpac Choice account holders who are:
under 30 years of age, a full-time tertiary student, a concession card holder. If you’re new to Australia, you’ll pay no account-keeping fees for the first 12 months of opening your Westpac Choice account.
2. An interest rate of 2.30% p.a. (calculated daily) applies on the part of the balance above $249,999.
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.
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. Android, Google Play and the Google Play logo are trademarks of Google LLC. Samsung and Samsung Pay are trademarks or registered trademarks of Samsung Electronics Co., Ltd.
PayID® and PayTo® are registered trademark of NPP Australia Limited.