Summary
Before you get started, here’s a quick recap of what you’re applying for:
Westpac Choice Concession
- A basic, low-cost account with a Debit Mastercard®¹ to make deposits and withdrawals, payments online or on the Westpac App
- For individuals who hold a Concession or Health Care card or receive an Australian Government benefit payment that makes you eligible to hold a Concession or Health Care card
- $0 Account-keeping fee and $0 Overdrawn fee or debit interest (other fees may apply)
- You’re at least 14 years old with an Australian residential address (under 14s apply in branch with a parent or guardian).
What kind of account do you need?
Single
Joint
Are you already a Westpac customer?
Yes
No
What to have handy
- Your Westpac Online Banking sign in details.
Ready to get started?
Other options
- Are you 55 years or over and retired? You may be eligible for a Westpac 55+ and Retired account.
What to have handy
By continuing you agree
- You have read our Privacy Statement which explains how we collect, use and disclose your personal information
- You agree to provide your consents to us
- You will need to also acknowledge your obligations under AML/CTF and disclose if you have any other reporting obligations
- You agree to Financial Services Guide (PDF 238KB)Online Banking Terms and Conditions (PDF 555KB)Deposit Accounts for Personal Customers (PDF 620KB)Westpac Debit Mastercard® Terms and Conditions (PDF 218KB)
- You agree to comply with all applicable Australian and International laws relating to the account(s) including any exchange control laws.
Ready to get started?
Other options
- Are you 55 years or over and retired? You may be eligible for a Westpac 55+ and Retired account.
Is applicant 1 already a Westpac customer?
Yes
No
Is applicant 2 already a Westpac customer?
Yes
No
What to have handy?
- Both applicants will need their Westpac Online Banking sign in details
- To gain full access to your account, you’ll need to be registered for Westpac Protect SMS Code. We’ll send an SMS Code to both applicants before you open your account.
By continuing you both agree
- You have read our Privacy Statement which explains how we collect, use and disclose your personal information
- You agree to provide your consents to us
- You will need to also acknowledge your obligations under AML/CTF and disclose if you have any other reporting obligations
- You agree to Financial Services Guide (PDF 238KB)Online Banking Terms and Conditions (PDF 555KB)Deposit Accounts for Personal Customers (PDF 620KB)Westpac Debit Mastercard® Terms and Conditions (PDF 218KB)
- You agree to hold the account in joint names (to open an account in trust you’ll need to visit a branch)
- You agree that you have permission to give us personal information about any joint applicants.
Ready to get started?
Other options
- Are you 55 years or over and retired? You may be eligible for a Westpac 55+ and Retired account.
Complete your application in branch together
If you or the person you’re applying with is a new Westpac customer, you’ll need to visit a branch together to open your account. Please make sure you both bring:
- Your tax details. We’ll need your Tax File Number (TFN) and if you’re a foreign tax resident, we’ll also need your tax residency details
- Suitable ID. You’ll both need to be verified separately.
You can use our identification checklist to work out which documents you’ll need for your situation.
To ensure we’re best prepared to help you, please call the branch first to make an appointment.
If you're Aboriginal and Torres Strait Islander and you don't have any of the required forms of identification, please call our
Indigenous Call Centre on
1800 230 144 Monday to Friday 9am - 6.30pm ACST or
visit your nearest branch.
Is applicant 2 already a Westpac customer?
Yes
No
Complete your application in branch together
If you or the person you’re applying with is a new Westpac customer, you’ll need to visit a branch together to open your account. Please make sure you both bring:
- Your tax details. We’ll need your Tax File Number (TFN) and if you’re a foreign tax resident, we’ll also need your tax residency details
- Suitable ID. You’ll both need to be verified separately.
You can use our identification checklist to work out which documents you’ll need for your situation.
To ensure we’re best prepared to help you, please call the branch first to make an appointment.
If you're Aboriginal and Torres Strait Islander and you don't have any of the required forms of identification, please call our
Indigenous Call Centre on
1800 230 144 Monday to Friday 9am - 6.30pm ACST or
visit your nearest branch.
What to have handy
By continuing you both agree
- You have read our Privacy Statement which explains how we collect, use and disclose your personal information
- You agree to provide your consents to us
- You will need to also acknowledge your obligations under AML/CTF and disclose if you have any other reporting obligations
- You agree to Financial Services Guide (PDF 238KB)Online Banking Terms and Conditions (PDF 555KB)Deposit Accounts for Personal Customers (PDF 620KB)Westpac Debit Mastercard® Terms and Conditions (PDF 218KB)
- You agree to hold the account in joint names (to open an account in trust you’ll need to visit a branch)
- You agree that you have permission to give us personal information about any joint applicants
- You agree to comply with all applicable Australian and International laws relating to the account(s) including any exchange control laws.
Ready to get started?
Other options
- Are you 55 years or over and retired? You may be eligible for a Westpac 55+ and Retired account.
Things you should know
Am I eligible?
To be eligible for this account with certain features applied (e.g. waiver of account-keeping fees), you’ll need to be a Concession or Health Care card holder, or receive an eligible Australian Government payment. A list of eligible payments can be found at Service Australia and Department of Veterans' Affairs.
1 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, and the circles design is a trademark of Mastercard International Incorporated.