BANK ACCOUNT WITH DEBIT CARD FOR STUDENTS & YOUNG ADULTS
At a glance
$0
Account-keeping fees
As long as you’re under 30 or a full-time tertiary student. Other fees may apply.
$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.
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.
Banking on the go
Skip the trip to the branch and manage your banking when it suits you by using the Westpac App.
Get exclusive offers
Make full use of our customer-only discounts and cashback offers, including special ShopBack deals.
Spend & Save with Westpac
You could earn up to 5.00% p.a. variable interest on your first $30,000 of savings with a Life Savings and Choice bank account. 18-29 year olds only.
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
Learn how to make the most of your money
Nobody ever really teaches you how to use money in everyday life. We’ve teamed up with ‘Year13’ a website dedicated to helping young people with the school-to-work transition. Get the rundown on earning, spending, and saving your money in the big wide world.
Account fees
| Standard fees (fees may change) | Amount |
|---|---|
| Account-Keeping Fee (usually $5) is waived for full-time tertiary students and under 30s | $0 |
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
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
Westpac Debit Mastercard® Terms and Conditions (PDF 210KB)
Online Banking Terms and Conditions (PDF 620KB)
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.
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.
Finger print login: Fingerprint sign in is available on compatible devices only. Customers must be registered for Westpac online banking and have set up fingerprint ID to use the service.
PayID® is a registered trademark of NPP Australia Limited and any use of its marks by Westpac is under license.