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<form class="js-login" action="/personal-banking/bank-accounts/transaction/">
  <div class="input-field-select-wrapper">
    <label for="signIn"><span class="sr-only">Sign in</span></label>
    <select id="signIn" class="input-field-select">
      <option value="https://banking.westpac.com.au/wbc/banking/handler?TAM_OP=login&amp;segment=personal">Online Banking - Personal</option>
      <option value="https://banking.westpac.com.au/wbc/banking/handler?TAM_OP=login&amp;segment=business">Online Banking - Business</option>
      <option value="https://online.corp.westpac.com.au/">Corporate Online</option>
      <option value="https://sharetrading.westpac.com.au/login" data-target="sameWindow">Westpac Share Trading</option>
      <option value="https://marginlending.westpac.com.au/" data-target="sameWindow">Westpac Margin Lending</option>
      <option value="https://wintrade-international.com.au/public/pages/login.aspx?brand=WPAC" data-target="sameWindow">WinTrade</option>
      <option value="https://www.westpac.com.au/all-online-services/" data-target="sameWindow">View all online services</option>
    </select>
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  <a id="btnSignIn" name="sign-in" href="/wbc/banking/handler/login" class="btn btn-primary">Sign in</a>
</form>

Text Content

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   * Set up your Westpac Choice account
   * Set up your kids and teens Westpac Choice account

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 * Everyday banking
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    * * Adults 30 and over
        
        Westpac’s Choice Account can help kids and teens learn about money and
        banking from an early age. Open an account today.
      
      * Kids and Teens
        
        Westpac’s Choice Account can help kids and teens learn about money and
        banking from an early age. Open an account today.
      
      * 18-29s
        
        A day to day account especially designed for customers who are under the
        age of 21.
      
      * Tertiary students
        
        A day to day account especially designed for customers who are
        undergoing full-time study.
      
      * New to Australia
        
        An everyday bank account with features designed for people who have
        recently arrived in Australia. Open up to 12 months after you arrive.
      
      * Concession
        
        A low-cost transaction account if you're receiving Australian social
        security benefits
      
      * 55+ and Retired
        
        A flexible day to day account especially designed for pensioners and
        retirees.
      
      * Set up your Westpac Choice account
        
        Get started with your new Westpac Choice account with debit Mastercard®,
        for instant access to an exciting world of rewards and savings, in the
        Westpac App.
      
      * Set up your kids and teens Westpac Choice account
        
        Now that you've got your Westpac Choice account, let's help you get set
        up, so you'll be ready to use your money the way you want.

 * Personal
 * Bank accounts
 * Everyday banking
 * Westpac Choice


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.
Open now Refresh Open now Refresh


CHOOSE WESTPAC CHOICE FOR EASY DAY-TO-DAY BANKING AND MORE

Use your debit card for fast payments online and in-store, and if you have an
eligible Westpac home loan, link it as an offset account to reduce interest
repayments.

SPEND SECURELY WITH YOUR DEBIT MASTERCARD1

Add to your mobile or wearable wallet, buy in store and online, and withdraw
cash at ATMs worldwide.2

GET SPEND AND CASH FLOW INSIGHTS

Track trends in Cash flow to stay in control of your monthly budget while
tagging expenses in Categories to better understand your spending.

EARN SWEET DISCOUNTS

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

$0 INTERNATIONAL TRANSFERS5

When you send foreign currency overseas via Online Banking or the Westpac App. 
See our conversion rates and included countries.

>FX rates & included countries.

exclusive viewBox="0 0 27 37" style="enable-background:new 0 0 27 37;"
xml:space="preserve"> exclusive


ENJOY $0 MONTHLY FEES FOR 12 MONTHS



Open a new Westpac Choice account online between 01/02/24 and 30/09/24 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
Close modal and return to promo

$0 Account Keeping Fee – 12 Month Waiver Campaign

Open a new Westpac Choice account online between 01/02/24 and 30/09/24 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.



Close
Open now Open now


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
   
 * Get cash out of Westpac, St.George, Bank of Melbourne and BankSA ATMs without
   a card using the Westpac App⁶
   

 * See, review and authorise new PayTo7 payments before money leaves your
   account
   
    




SAVE TIME, APPLY ONLINE

GET UP AND RUNNING THE FAST WAY

Your Choice account could be active in less than 3 minutes.
 

Open now Refresh Open now Refresh


EARN BONUS CASHBACK WITH SHOPBACK

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

Find out more


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.3

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 Refresh Explore security feature Refresh


 



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.

Find out more


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 Refresh Explore our in-app budget tools Refresh


FEES


 

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 between 01/02/24 and
   30/09/24 (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 (for more
information see Overdraw Preference Feature) $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
Unarranged Lending Rate (ULR) is a debit interest rate charged to a transaction
account if it becomes overdrawn without arrangement. 15.01% p.a.


Other fees and charges may apply. Please refer to the Pdf File Terms and
Conditions (PDF 625KB)

Edit


WESTPAC CHOICE

Open in less than 3 minutes

Open now Refresh Open now Refresh


OTHER ACCOUNTS FOR

 * Under 30 and students
   
 * Joining finances
 * Moving or new to Australia
 * Concession holders
   
 * 55+ and retired
   


FEATURES

 * Mobile banking
   
 * Cardless cash
   
 * Overdraw
 * Card on hold
   
 * Gambling preference


FEATURE ARTICLES

 * Tips for managing bills and expenses
 * Different ways to send or transfer money online
 * Developing good money habits
 * Different ways you can manage your banking with us


MORE OPTIONS

 * Savings accounts 
 * Term Deposits
 * Joint accounts
 * All bank accounts

THINGS YOU SHOULD KNOW

Pdf File Deposit Accounts for Personal customers Terms and Conditions (PDF
625KB) 

Pdf File Westpac Debit Mastercard® Terms and Conditions (PDF 201KB)
Pdf File Online Banking Terms and Conditions (PDF 555KB) 
Pdf File 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. 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. 

2. Global ATM: A 3% Westpac Foreign Transaction Fee applies to overseas debit
card withdrawals. A list of Global Alliance members is available. To ensure
access to savings and/or cheque account funds when overseas obtain a Debit
Mastercard®.

3. 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. 
 
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. Cardless cash: available on eligible Westpac everyday accounts with a linked
debit card for customers 18 years and over. Limit of 3 withdrawal transactions
per day applies, subject to $500 daily withdrawal limit and $1,000 weekly
withdrawal limit. Only available at Westpac Group ATMs or select Westpac Group
partner ATMs in Australia. To access Cardless Cash on your mobile you must be
registered to use Online Banking and download the Westpac App. You'll also need
the Westpac App (version 6.1 or above) installed on your iPhone. You must be 18
years or older to use Cardless Cash.
 
7. Read the Pdf File PayTo Terms and Conditions (PDF 187KB)

 

Read the  Pdf File 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 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.
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Westpac
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For Westpac issued products, conditions, fees and charges apply. These may
change or we may introduce new ones in the future. Full details are available on
request. Lending criteria apply to approval of credit products. This information
does not take your personal objectives, circumstances or needs into account.
Consider its appropriateness to these factors before acting on it. Read the
disclosure documents for your selected product or service, including the Terms
and Conditions, before deciding. Target Market Determinations for the products
are available. Unless otherwise specified, the products and services described
on this website are available only in Australia from © Westpac Banking
Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714.

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