Compare everyday bank accounts

Our everyday bank account comparison table makes selecting the most appropriate bank account that much easier. You can easily compare features across our range of accounts to decide which account could work best for you.

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Features

Account-Keeping Fee

$5.00

$0

$0
Minimum monthly deposit to waive Account-Keeping Fee

$2,0001

N/A

N/A
Minimum monthly balance to waive Account-Keeping Fee

N/A

N/A

N/A
Free transactions (per month)*

Unlimited transactions

Unlimited transactions

Unlimited transactions
Free Telephone Banking enquiries (per month)

Unlimited enquiries

Unlimited enquiries

Unlimited enquiries
Overdraw Preference Feature

Available, unless one or more account holders is under 18 years of age.

Unavailable.

Your account balance will no longer be able to go below $0 unless we can’t stop a payment from your account. If a payment is processed and your account balance goes below $0, there is no overdrawn fee or interest.

Available, unless one or more account holders is under 18 years of age.
Overdrawn Fee

$15

$0

$15
Unarranged Lending Rate

15.01%

N/A

15.01%

Interest rates for credit interest

 

Balances from $0 to less than $9,999

 

N/A

N/A

0.15% p.a.
On the part of the balance from $9,999 to less than $49,999

N/A

N/A

1.50% p.a.
On the part of the balance from $49,999 to less than $249,999

N/A

N/A

1.85% p.a.
On the part of the balance from $249,999 and over

N/A

N/A

2.15% p.a.

Excess transaction fees

Online Banking withdrawal or direct debit

$0

$0

$0
Telephone banking electronic withdrawal

$0

$0

$0
EFTPOS

$0

$0

$0
Westpac/St.George/BankSA branded ATMs withdrawal

$0

$0

$0
Cheques written

$0

N/A

$0
Branch staff assisted withdrawal

N/A

$0

$0

Additional fees


Non-Westpac/St.George/BankSA branded ATM2 within Australia (cash withdrawal or balance enquiry)

$0

$0

$0
Overseas Withdrawal Fee3

$5

$5

$5
Overseas ATM balance enquiry

$0

$0

$0
Foreign Transaction Fee

Refer to footnote 4

Refer to footnote 4

Refer to footnote 4
Periodical payment not made fee

$0

$0

$0
Accessing your money

Branch

Online Banking

Telephone banking

ATM

EFTPOS

Cheque5

Debit Mastercard®6

  Branch

  Online Banking

  Telephone banking

  ATM

  EFTPOS

  Cheque5

  Debit Mastercard®6

  Branch

  Online Banking

  Telephone banking

  ATM

  EFTPOS

  Cheque5

  Debit Mastercard®6
Things you should know
1. The Account-Keeping Fee is waived for a month if the minimum monthly deposit requirement is met for that month.

2. Non-Westpac Group branded ATMs apply an ATM operator fee by the ATM Owner, which is disclosed at the time of the transaction on the ATM screen. This fee will be debited on the day (or next business day) of the transaction and itemised separately on your statement.

3. Nil for cash withdrawals from participating Global ATM Alliance partners in designated countries. For more information, read Using ATMs overseas.

4. The Foreign Transaction Fee is payable and will be incorporated into the $AUD transaction amount shown on your statement. The fee charged will either be:

a) 3% of the $AUD transaction amount where a transaction is made in foreign currency and the merchant or financial institution accepting the card is located outside of Australia (comprising of 2% Westpac Processing Fee plus 1% Westpac On-Charged Scheme Fee);

b) 2.2% of the $AUD transaction amount where a transaction is made in foreign currency and the merchant or financial institution accepting the card is located in Australia (comprising of 2% Westpac Processing Fee plus a Westpac On-Charged Scheme Fee of 0.2%).

5. Customers must be 18 years and over.

6.  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. 

*Day to day banking transaction across Westpac branches, Westpac/St.George/Bank SA branded ATMs, EFTPOS, Telephone Banking, Online Banking, Cheques and direct debits. Other fees and charges may apply.