| Cashback offer | 50.00 | You could earn $50 cashback if you open a new Westpac Choice everyday account and an eligible savings account by 31st March 2027, here's how you could get $50: Spend at least $50 on your debit card within 15 days of opening on eligible purchases. You must not have held any Westpac transaction account or savings account in the last 2 years. Accounts must be in your name only (no joint accounts). Must be 18+ years or older. T&Cs apply. |
| Other | | $0 monthly and withdrawal fees - No Account-Keeping Fees for at least 12 months. Then, for deposits of $2,000 a month or eligible customers (details in fees section). No cash withdrawal fees from Westpac and select partner ATMs. |
| Other | | Instant Digital Card - Use your digital card right away, before your physical Debit Mastercard arrives. Add your debit card to your mobile wallet or use it in the Westpac App. |
| Other | | Budgeting tools - Master your money in the Westpac App with our tools including Savings Finder, Tax Organiser and Budget Planner. |
| Other | | Exclusive offers - Check out our customer-only discounts and offers, including bonus Cashback on over 4,000 brands with ShopBack. |
| Other | | Home loan savings - Link one or more Choice accounts to your eligible Westpac home loan to help reduce the interest you'll pay. |
| Other | | Spend&Save with Westpac - You could earn up to 5.95% p.a. variable interest on your first $150000 of savings with a Life Savings and Choice bank account. 18-40 year olds only. T&Cs and exclusions apply. |
| Other | | Cardless Cash Withdrawal Feature - Cardless Cash is a convenient and secure way to withdraw cash from Westpac-branded ATMs using the Westpac App. |
| Other | | Weekly Spend Limit will allow customers to set a limit on their accumulative weekly spend on their Debit Mastercard. |
| Other | | $0 international transfers when you send foreign currency overseas via Online Banking or the Westpac App. 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. |
| Card access | Use your Debit Mastercard to shop securely online, access cash at ATMs and use PayPass to tap and go on purchases under $100 | |
| Additional cards | 1 | |
| Unlimited txns | | |
| Digital banking | | 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. |
| Npp payid | | |
| Npp enabled | | |
| Digital wallet | Fitbit Pay | |
| Digital wallet | Garmin Pay | |
| Digital wallet | Google Pay | |
| Digital wallet | Samsung Pay | |
| Digital wallet | Apple Pay | |
| Other | | Click to Pay - Online shopping made quick, simple and secure with Click to Pay. |
| Digital banking | | Digital Card - Unlock extra protection using the dynamic CVC on your digital Westpac debit or credit card. Add it to your digital wallet or use it |
| Digital banking | | With PayTo, you can see, review and authorise all new PayTo payments for things such as recurring bills, memberships and subscriptions before the money leaves your account. |
| Fraud protection | | Layers of defence - Stay safe online and use our Digital Card with dynamic CVC that updates every 24 hours, Card Lock, Smart Verify and SafeBlock. |
| Fraud protection | | Under 18 Card Transactions Block: If the cardholder is under 18 years of age, a protective block is enabled by default on the card. This block is mandatory and will automatically be removed when the cardholder turns 18 years old. |
| Fraud protection | | Can't find your card? Don't panic, you can temporarily lock it in seconds with Card on Hold while you search |
| Fraud protection | | We've got your back - 24/7 fraud monitoring and our Fraud Money Back Guarantee. |
| Fraud protection | | Westpac Protect SMS Code: Increase your security when banking online by using your mobile phone to confirm certain transactions via text messages |
| Fraud protection | | 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 |
| Relationship management | | Relationship management is available for eligible customers. |
| Other | | Account can be opened via Online, mobile, in branch and telephone. |
| Other | | No minimum opening balance for this account |
| Other | | Statements: 6 monthly, or more frequently on request. |
| Other | | You can pay bills using BPAY |
| Digital banking | | Online, Mobile and telephone banking is available |
| Other | | Periodical Payments from this account can be made. |
| Other | | Make shopping and ordering online even more safe and secure with Westpac My Merchants. Westpac My Merchants lets you shop and order online without needing to share your card details, because your card number is replaced with a unique identification code called a 'digital token'. This digital token, which won't contain your personal information and is used by the merchant instead of your card number, helping protect you online. |
| Other | | Unlimited transactions and account enquiries. |
| Other | | You can only hold one Westpac Choice account with a fee waiver. There is otherwise no limit to the number of Choice accounts. |
| Other | | Looking to cut your electricity bill? Eligible customers could save at least 10%. Compare and switch your electricity plan through One Click Switch. Offer ends 31 May 2028. Terms and Conditions and eligibility criteria apply. |
| Eligibility: min age | 14 | |
| Eligibility: residency status | Those with an Australian residential address and who are currently in Australia. | |
| Eligibility: other | | The card must be linked to an eligible Westpac account |