Why bank with Westpac
Award-winning accounts that reward with outstanding value
Our Westpac Choice transaction account with a Debit Mastercard® and our Westpac Choice Youth account (with a Debit Card for children 8 and over), have been voted:
- Canstar's Outstanding Value Transaction Account 2024
- Canstar's Outstanding Value Junior & Youth Banking 2024
More ways to access your money, anywhere, anytime
- Enjoy access to Australia’s biggest banking network
- Pay no withdrawal fee at any major bank ATM in Australia including Westpac, St.George, BankSA, Bank of Melbourne and select Westpac Group partner ATMs
- No ATM withdrawal fee 1 via Global ATM Alliance partners (3% foreign transaction fee applies)
Online Banking
- Manage your account with ease online, mobile or tablet
- View your Westpac accounts as well as or banks and institutions in one place - including eBay, PayPal, rewards schemes, store cards, loans and mortgages
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Register for Online Banking
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View your proof of balance
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Make a payment to a PayID
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Report your card lost or stolen
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Lock your card temporarily
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Transfer money between accounts
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The Westpac App for Android
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Smart Verify
Online Banking
Manage your account with ease online or on mobile
- View your Westpac accounts in one place, including loans, mortgages, eBay, PayPal and rewards schemes
- Access Westpac Protect™ Online Banking Security Guarantee2
Australia’s number one banking app³
Find out why the Westpac mobile app is Australia’s top banking app
- Explore budgeting, savings and bills features, plus your carbon footprint tracker
- See all your cards in one place, where you can temporarily lock a card, replace a damaged card, change your PIN, and access your digital card.
Digital Cards⁴ with dynamic CVCs
Use your Digital Card to shop online, pay bills, make in-app purchases and set up recurring payments
- Access your Digital Card 24/7 in the Westpac App and add it to your smartphone or watch’s digital wallet to shop in-store
- A dynamic CVC refreshes your Digital Card’s 3-digit number every 24 hours for extra security
Australia’s largest fee-free ATM network
Fee-free cash withdrawals for Westpac, St.George, BankSA and Bank of Melbourne personal and business transaction account customers at about 7,000 ATMs Australia-wide
Get paid quickly, easily and safely
With PayID® people can pay you using just your mobile number.
- Securely authorise and manage payments from your bank account with PayTo
Money matters for kids and teens
Transaction and savings accounts for kids and teens
- Financial literacy lessons for kids on budgeting, pocket money and more
- Parental controls5 and kid-friendly account features such as spend limits, card lock and parental notifications
Switch to Westpac
Once you’ve opened an account with us, switching your banking across is as easy as 1,2,3.
How we protect you
We provide a wide range of information to help you keep your Online Banking safe and secure, from tips on the latest scams to tools that can help protect your account.
- Westpac SafePay is designed to help alert you to potential scams. If we suspect you’re making a payment to a potential scammer, we’ll prompt you with a few quick questions
- Verify performs a check when adding a new BSB and account number payee. We’ll do a check and let you know if the account details you’ve entered have been commonly used
- Our Westpac ProtectTM services are here to help keep you safe from fraudsters - protecting you, your finances and your family. Our technology constantly learns from your banking activity, helping to keep you safe from suspicious activity.
We’re here to help
If you need support in another language, require accessible products and services, or need support when times are tough Westpac is committed to helping you when and where you need it most.
- Extensive branch network, where our branch staff speak over 40 languages between them
- Our Telephone Banking Service can arrange an interpreter to help with your call.
Things you should know
Deposit Accounts for Personal & SMSF customers - Terms and Conditions (PDF 645KB)
Westpac Debit Mastercard® Terms and Conditions (PDF 210KB)
Online Banking Terms and Conditions (PDF 620KB)
Import payee, Biller and Direct Debit Information Service - Terms and Conditions (PDF 146KB)
This information does not take your personal circumstances into account. Read the <[Westpac] Online Banking> Terms and Conditions at before making a decision and consider whether the product is right for you.
- Global ATM Alliance: 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. Refer to Global Alliance for a list of members. 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®.
- Westpac’s Online Banking Security Guarantee - If your Westpac account is compromised as a result of Internet fraud, we guarantee to repay any missing funds, providing you comply with our Online Banking Terms and Conditions. This includes keeping your sign-in details (including passwords, Westpac Protect™ SMS codes and SecurID® Token codes) private. You must inform us immediately if you suspect the security of your access details has been compromised, or you suspect an unauthorised transaction or potential fraud on your accounts.
- Westpac received the highest score in Digital experience review among Multi-Channel banks in Forrester’s proprietary 2024 Forrester Digital Experience Review of Australian Mobile Banking Apps conducted between June and July 2024. Forrester reviewed 4 banks’ mobile apps across 18 customer scenarios and combined this with a mobile banking app performance score from Forrester’s proprietary Customer Index Survey in Australia. These findings were then combined with findings from unmoderated usability testing with 40 customers of the included brands. Forrester Research does not endorse any company included in any Digital Experience Review and does not advise any person to select the products or services of any particular company based on the ratings included in such reports.
- 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.
- Parental Control: Parents, grandparents, or guardians must be an account signatory to have Parental Control. Child must be registered for Westpac Online Banking and Westpac Telephone Banking to access accounts online or over the phone. For children under 12 years of age: Parental Control is mandatory, and self-service Telephone Banking is not available. For children aged 12 years and over: Parental Control is optional and access levels can be amended by the child at any time. Parental Control does not apply to a child’s access to funds in branch, however a signatory must authorise branch withdrawals where a child is under 8 and a debit card is not available.
Internet connection is needed to access Westpac Mobile Banking app. Normal mobile data charges apply.
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
PayID® and PayTo are registered trademarks of NPP Australia Limited.
BPAY® and Osko® are registered trademarks of BPAY Pty Ltd ABN 69 079 137 518.