Bank account with debit card
At a glance
$0
Account-keeping fees
For at least 12 months on new accounts, then for deposits of $2,000 a month or eligible customers. Details in the fees section.
$0
Cash withdrawal fees
In branch, from our ATMs and select partner ATMs. Plus, unlimited transactions and account enquiries.
$0
International transfer fees
If you send foreign currency overseas using Online Banking or the Westpac App. Other fees may apply.
Get outstanding value with an award-winning account
Voted Canstar's Outstanding Value Transaction Account 2024.
Get a 30% refund on eligible driving expenses
Aged 16 to 25? Open a new Westpac Choice everyday account and use your linked debit card to pay for expenses like your rego or licence and you could get up to $75 cashback. T&CS apply.
The choice for easy day-to-day banking and more
Instant Digital Card®
Before you get your Debit Mastercard® you may be able to use the digital version in the Westpac App.
Fast, secure payments
Make payments online and in-store with your Debit Card that has a CVC that updates every 24 hours.
Home loan savings
Link one or more Choice accounts to your eligible Westpac home loan to help reduce the interest you’ll pay.
Get exclusive offers
Make full use of our customer-only discounts and cashback offers, including special ShopBack deals.
$0 monthly fees for 12 months
You’ll then pay NO Account-Keeping fee for at least the first 12 months on your new Westpac Choice account. Saving you $5 a month.
Want to continue to pay $0 forever?
We’ll waive the $5 monthly fee if you:
- Are under 30 or a full-time tertiary student
- Are a Westpac Choice Concession account holder
- Deposit at least $2,000 each month
- Link your account to your Rocket Repay Home Loan or Rocket Investment Loan as an offset account (for as long as the account is linked).
Account features
Apple and Google PayTM
Link your card to Apple Pay, Google Pay, Samsung PayTM, Fitbit Pay and Garmin Pay to make fast contactless payments. Use with your compatible mobile or wearable device.
Simple and secure
Sign into the Westpac App safely and securely using facial recognition, your fingerprint or a 4-digit passcode. Set up your preferred sign in option on a compatible device.
ATM network at home and overseas
Pay no ATM withdrawal fee at Westpac Group ATMs in Australia, and overseas through our Global ATM Alliance. Other fees as detailed in the ‘fees’ section may apply.
Pay and get paid in seconds
Use PayID® to get paid instantly by your friends and family with just your mobile number. You can also tap and go using your mobile or your Debit Mastercard.
Save time, apply online
It pays to shop with ShopBack in the Westpac App
Earn Cashback on over 4,000 brands with ShopBack. Link an eligible Westpac debit or credit card for special deals and Bonus Cashback when you shop online or in-store. T&Cs apply.
Account fees
Open a new Westpac Choice account online between 1 February 2024 and 30 September 2025 to have the monthly Account Keeping fee waived for the first 12 months. At the end of the 12-month period, the monthly Account Keeping fee (currently $5) will apply unless the minimum monthly deposit criteria are met. Individual(s) under the age of 30, New Arrivals, and students are ineligible for this Offer. This offer is not applicable to the Westpac Choice Concession account. For joint accounts, individuals must meet the eligibility criteria for the fee waiver to apply. Other fees and charges, terms and conditions apply to the Westpac Choice account. This offer may be repeated from time to time, withdrawn, varied, or extended at any time.
Other fees and charges may apply. Please refer to the Terms and Conditions (PDF 712KB)
This account doesn’t earn interest. If you’d like to earn interest, you can open a savings account at the same time. Find out how
Aged 18-29?
You could earn up to 5.00% p.a. variable interest on your first $30,000 savings with a Life Savings and Choice bank account. T&Cs and exclusions apply.
Safe and secure banking
- Online Banking Security Guarantee: If your Westpac account is compromised by online banking fraud, we promise to return any missing funds. This guarantee only applies if you’ve followed our Online Banking Terms and Conditions. This includes: 1. Keeping your sign-in details, including passwords or Westpac Protect™ Security codes, private, 2. Not contributing to the loss, and 3. Telling us right away if you think there’s an unauthorised transaction or fraud on your account.
- Westpac Protect™ Security Code: Keep your Online Banking safe with a Security Code when using the Westpac App or your Online Banking service. This Security Code confirms that it's you transacting or making changes to your profile.
- Fraud Money Back Guarantee: Shop securely using your Debit Mastercard or Credit Card, backed by 24/7 fraud monitoring and our Fraud Money Back Guarantee. Westpac promises to return any missing funds to you if you've not contributed to the loss and contact Westpac right away. Check your card’s terms and conditions for full details.
- Card Lock: Can’t find your card? Sign into the Westpac App or Online Banking and select 'Lock a card temporarily' under Cards services on your eligible personal credit or debit card. You can search for your card knowing that your account is safe. Then, if you can’t find it, report it lost or stolen.
Help when you need it
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.
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.
Read the Google PayTM Terms and Conditions (PDF 125KB) before making a decision and consider if it is right for you. Available for eligible cards. To use Google Pay you will need to use a compatible device with a supported operating system. Google Pay™ is a trademark of Google LLC.
Mastercard® is a registered trademark and the circles design is a trademark of Mastercard International Incorporated.
Samsung and Samsung Pay are trademarks or registered trademarks of Samsung Electronics Co.
Fitbit and Fitbit Pay are registered trademark(s) or trademark(s) of Fitbit LLC and/or its affiliates in the United States and other countries.
PayID® is a registered trademark of NPP Australia Limited and any use of its marks by Westpac is under license.