Bank account with debit card

Our most popular account, Westpac Choice, is a simple-to-use everyday bank account packed with features to help make banking a breeze.
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Get outstanding value with an award-winning account

$0 FEES, FIND OUT HOW

  • No monthly account-keeping fees for the first 12 months, for deposits of $2,000 a month or for eligible customers 1
  • No withdrawal fees at branded and select non-branded ATMs
  • No international transfer when sending foreign currency overseas via Online Banking or the Westpac App
  • Unlimited free transactions and account enquiries.

 

Voted Canstar's Outstanding Value Transaction Account 2024.

The choice for easy day-to-day banking and more

Instant Digital Card®

Find the digital version of your card2 via the Westpac App before your Debit Mastercard®3 arrives in the mail.

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.

Home loan savings

Link as an offset account to your eligible Westpac home loan to reduce the amount of interest you’ll pay.

Sweet offers and discounts

Make full use of our exclusive discounts, cashbacks and deals. Take advantage of Rewards & Offers.

Enjoy $0 monthly fees for 12 months

Open a new Westpac Choice account online by 30 September 2025 to have the monthly Account-Keeping Fee waived for the first 12 months.

Pay no Account-Keeping Fee for the first 12 months on your new Westpac Choice account and save $5 a month.

 

T&Cs and eligibility criteria apply#

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Make payments your way

Choice makes buying, paying, and withdrawing cash simple and convenient, even before you’ve received your debit card.

 

  • Use the digital card in the Westpac App while waiting for the plastic one to arrive. The CVC refreshes every 24 hours for extra security
  • Link your card to Apple Pay, Google Pay, Samsung Pay, Fitbit Pay and Garmin Pay to make fast contactless payments with your mobile or wearable

  • See, review and authorise new PayTo6 payments before money leaves your account

     

Save time, apply online

Get up and running the fast way

Your Choice account could be active in just minutes.
 

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Earn Bonus Cashback with ShopBack​

Westpac customers can access exclusive Bonus Cashback when shopping via the new Westpac Lounge on ShopBack.​

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Security guaranteed


Online banking guarantee

We’ll repay any funds missing from your account due to fraud, as long as you’ve complied with our T&Cs.4

Temporary card lock

If you’ve misplaced your debit card, you can immediately lock it while you look, in the Westpac App.7

Westpac Protect™ SMS Code

For greater peace of mind, we can send a one-time SMS Code to your mobile to authorise online transactions and features.
 

Explore security feature


 

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.

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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.

Manage your cards in one place

Misplaced your card? Temporarily lock it while you’re looking, order a new one, or change your PIN, all in the app’s convenient Cards Hub.

Get sorted with in-app budget tools

Track your month-to-month Cash flow and spot areas where you could be making savings with your spend sorted in Categories.
 

Explore our in-app budget tools

Fees

Standard fees (fees may change) Amount
Account-Keeping Fee
$5
This fee is waived for:
 


Other fees and charges may apply. Please refer to the Terms and Conditions (PDF 650KB)

Westpac Choice

It’ll take just minutes to open

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Things you should know
Deposit Accounts for Personal customers Terms and Conditions (PDF 650KB) 
Westpac Debit Mastercard® Terms and Conditions (PDF 216KB)
Online Banking Terms and Conditions (PDF 407KB) 
Find out what information you need to provide to become a customer (PDF 657KB) 

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.

 

 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.  The Digital Card: The Digital Card is only available on the Westpac App and supported with the latest version of Westpac Mobile Banking. The terms and conditions applicable to your product also apply to the use of your digital card.  Online Banking Terms & Conditions also apply. You may not always be able to access your digital card.

 

3. 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. 

 

4. Westpac Fraud Money Back 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 Debit Mastercard Terms and Conditions for full details, including when a customer will be liable.


5. Westpac transfer fees still apply for funds sent in Australian dollars.  Receiving bank fees may also apply, check the currency converter for indicative rates and fees. 


6. Read the PayTo Terms and Conditions (PDF 187KB)
 
7. Card on hold: Available on personal credit and Mastercard® debit cards only. Cards to which a temporary lock can be applied will be listed when you sign in to Mobile Banking or Online Banking and visit Lock a card temporarily under Cards services. 

 

# 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.

 

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.

Android, Google Play and the Google Play logo are trademarks of Google LLC.
 

Fast or real-time payments are sent and received using Osko® by BPAY® and can be addressed to either a PayID or a BSB and account number. Real-time payments require both the payer and payee to have Osko enabled accounts. BPAY® and Osko® are registered trademarks of BPAY Pty Ltd ABN 69 079 137 518.
 

Fitbit and the Fitbit logo are trademarks or registered trademarks of Fitbit, Inc. in the U.S. and other countries.
 
Garmin, the Garmin logo, and the Garmin delta are trademarks of Garmin Ltd. or its subsidiaries and are registered in one or more countries, including the U.S. Garmin Pay is a trademark of Garmin Ltd. or its subsidiaries.
Beem It is a facility provided by Commonwealth Bank of Australia ABN 48 123 123 124 AFSL 234945 and made available through its authorised representative, Digital Wallet Pty Ltd ABN 93 624 272 475. Before downloading the app please consider the  Product Disclosure Statement and Terms and Conditions, available at  beemit.com.au. As this advice has been prepared without considering your objectives, financial situation or needs, you should, before acting on it, consider the facility's appropriateness to your circumstances. Before making a decision about any of our products or services, please read relevant terms and conditions available at westpac.com.au. Fees and charges apply and may change.
Mastercard® is a registered trademark and the circles design is a trademark of Mastercard International Incorporated.

 

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.