Summary
Before you get started, here’s a quick recap of what you’re applying for:
Westpac Choice
- An everyday account with a Debit Mastercard®¹ to make deposits and withdrawals, payments online or on the Westpac App
- $5 a month Account-keeping fee. Waived if you're under 30, a full-time tertiary student, new to Australia (for the first 12 months) or you deposit at least $2,000 each month. Fee also waived for Westpac Choice accounts opened online by 30 September 2025 (for the first 12months)#
- You’re at least 14 years old with an Australian residential address.
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.
By continuing you agree
To begin, you acknowledge:
- You have read our Privacy Statement which explains how we collect, use and disclose your personal information, including marketing communications which we send to you.
- You have read our Financial Services Guide (PDF 249KB) which provides important information on the financial services and products we offer as a financial services licensee.
By opening the account, you agree:
- To the Deposit Accounts for Personal Customers Terms and Conditions (PDF 712KB) and the Online Banking Terms and Conditions (PDF 620KB) that apply to the products and services you are applying for.
- To us sending you a Debit Mastercard® and linking it to your account, as set out in the Westpac Debit Mastercard Terms and Conditions (PDF 210KB).
- To provide your consents to the actions we may take in processing your application including:
- for us to contact you about this application
- for you to receive communications about your account, as well as account statements and terms and conditions electronically. You may change your communication preferences in Online Banking or by contacting us at any time. If you are not registered for Online Banking, you will receive account statements in paper form.
- To acknowledge your obligations including Anti-Money Laundering/Counter-Terrorism Funding requirements and our other reporting obligations if you are a foreign tax resident.
Ready to get started?
Other options
- Under 18 or applying on behalf of somebody younger? Learn more
Things you should know
1
Debit Mastercard®: Westpac Choice 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.
# 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.