55+ and Retired
Earn interest on your account balance with no monthly fees
Make payments your way
Use your Debit Card for fast, secure payments online and in-store, with a dynamic CVC that refreshes every 24 hours.
Lock your card
Can’t find your card? Don’t panic. You can temporarily lock it in seconds with card on hold while you search#.
Instant Digital Card®
Find the digital version of your card via the Westpac App before your Debit Mastercard®1 arrives in the mail.
Mobile banking
With the Westpac App, you can take your bank wherever you go. It’s an easy, secure and convenient way to bank.
Interest rates
Earn up to:
2.30% p.a. Maximum variable interest rate |
0.30% p.a. Minimum variable interest rate |
Variable interest rate is calculated daily on your account balance:
| On the part of the balance up to $9,999 | 0.30% p.a. |
| On the part of the balance above $9,999 to $49,999 | 1.50% p.a. |
| On the part of the balance above $49,999 to $249,999 | 1.85% p.a. |
| On the part of the balance above $249,999 and over | 2.30% p.a. |
Safe and secure banking
Get the Westpac App for even easier banking
View and transfer funds fast
Quick Balance lets you view the balance of three main accounts and quickly transfer money without signing in.
Get spend and cash flow insights
Track your month-to-month Cash flow and spot areas where you could be making savings with your spend sorted in Categories.
Account fees
Other fees and charges may apply. Please refer to the Terms and Conditions (PDF 650KB)
Help when you need it
Handy guides and articles
Things you should know
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.
^ Safe Online Banking guarantee: ensures that customers will be reimbursed for any unauthorised transactions provided that the customer has not contributed to the loss and contacted Westpac promptly. Refer to the Westpac Online Banking Terms and Conditions (PDF 407KB) for full details, including when a customer will be liable.