Westpac Choice Joint Account

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Why Westpac Choice joint account?

You can both get a Debit Mastercard^®Use your Debit Mastercard ^®1to shop securely online, access cash at ATMs and use PayPass™ to tap and go on purchases under $100.
There’s no Account-Keeping Fee when you deposit at least $2,000 each month
Such as having both your salaries paid into your joint account (other fees apply). Fee also waived for Westpac Choice accounts opened online by 30 September 2025 (for the first 12 months). ^#
ATM Network
Pay no withdrawal fee at any major bank ATM in Australia (including Westpac, St.George, BankSA, Bank of Melbourne or select Westpac Group partner ATMs) and ATMs globally via the Global ATM Alliance (other fees may apply). ²

Who can open a joint account?

Both account holders need to be:

14 years or older
Currently living in Australia and have an Australian residential address.

You can make payments with

Security

Card on hold

Can’t find your card? Don’t panic, you can temporarily lock it in seconds with Card on Hold while you search³

Digital Card Security

It’s a digital version of your card available 24/7 in the Westpac App. The 3-digit CVC security number changes daily to ensure your details are kept safe. Find out more

Westpac Protect™ Security Code

Increase your Online Banking security by using your Security Code to confirm certain transactions via the Westpac App or SMS

Safe Online Banking guarantee

If your Westpac account is compromised as a result of Internet fraud, we guarantee⁵ to repay any missing funds, providing you comply with our Online Banking Terms and Conditions

Monthly fees

Standard fees (fees may change)	Amount
Account-Keeping Fee	$5
This fee is waived for: Customers that deposit at least $2,000 each month Customer under the age of 30 or full-time tertiary students Individuals who hold a Concession or Health Care card, or receive an eligible Australian Government benefit payment New to Australia or expatriate customers (for the first 12 months) Customers that open a new Westpac Choice account online (for the first 12 months).^#

Other fees

Standard fees (fees may change)	Amount
ATM cash withdrawals in Australia (ATM providers may charge a fee – watch out for that!)	$0
Overdrawn Fee	$15
Overseas Withdrawal Fee from a Global Alliance Partner ATM (for more information on Global Alliance Partners see Accessing your accounts overseas)	$0
Overseas Withdrawal Fee from a non-Global Alliance Partner ATM	$5
Transactions made in foreign currency, and the merchant or financial institution is located outside Australia	3% of the AUD transaction amount
Transactions made in foreign currency, and the merchant or financial institution is located in Australia	2.2% of the AUD transaction amount

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

Other accounts for

Features

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.

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.
Global ATM: A 3% Foreign Transaction Fee applies to overseas debit or credit card withdrawals. A 3% cash advance fee applies to credit card withdrawals where the "Credit" option is selected. A list of Global Alliance members is available. It is important to know that the functionality to withdraw money from a linked Westpac account via Credit Card is not available when using overseas ATMs, including Global Alliance ATMs. To ensure access to Savings and or Cheque account funds when overseas please speak to us about obtaining a Debit Mastercard®.
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.
Google Pay: Read the 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.
Westpac Fraud Money Back Guarantee: Customers will be reimbursed for any unauthorised transactions provided that the customer has not contributed to the loss and contacted Westpac promptly.

# 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.

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.