Bringing your finances together you can accomplish almost anything

WESTPAC CHOICE JOINT ACCOUNT

An everyday bank account with a debit card for each account holder. Packed full of features that you can open together online. Spend $50 and you could get $50 cashback. Read on to find out how.

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At a glance

$0

Account-keeping fees

For at least 12 months on new accounts, then for deposits of $2,000 a month or eligible customers. Details in the fees section.

$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.

Get outstanding value with an award-winning account

Voted Canstar's Outstanding Value for Transaction Accounts 2024/2025.

HOW CAN I GET $50 CASHBACK?

You could get $50 cashback when you open a new Choice account by 30 September 2025
Follow these simple steps to get your cashback:

1. Open a new Choice account

For new account holders who’ve not held a Choice account in the past two years.
 

Open a Westpac Choice account with a Debit Mastercard®. Then, add your debit card to your mobile wallet.

AND

2. Make eligible purchases

Within 15 days of opening your account, make one or more in-person, contactless payments that total $50 or more.

Then, within 60 days of you meeting the purchase requirements we'll deposit $50 into your Choice account. 

Must be 18 years or older. T&Cs apply.
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The choice for easy day-to-day banking and more

Instant Digital Card®

Before you get your Debit Mastercard® use the digital version in the Westpac App. Then, add it to your mobile wallet.
 

Ways to pay

Instant payments

Get PayID® payments instantly with just your mobile number. You can also tap and go using your mobile or your Debit Mastercard.


PayID payment

Home loan savings

Link one or more Choice accounts to your eligible Westpac home loan to help reduce the interest you’ll pay.


Link an offset account

Get exclusive offers

Make full use of our customer-only discounts and cashback offers, including special ShopBack deals.


Rewards & Offers

Australia's #1 Banking App*

Smart Budgeting and savings tools

Safe and secure banking

LAYERS OF SCAM AND FRAUD PROTECTION

Save time, apply online

About you both

You must have an Australian residential address and be 14 years or over.

 

Conditions apply for under 14s.

Your identity

Not already a Westpac customer? You'll need 2 forms of ID:

  • Passport
  • Driver licence
  • Birth certificate
  • Medicare card

 

Identification Checklist (PDF 657KB)

Open online

Your Choice Joint account could be active in just a few minutes. If you can’t open online, visit a branch.

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It pays to shop via ShopBack in the Westpac App

Earn Cashback on over 4,000 brands with ShopBack. Link an eligible Westpac debit or credit card for special deals and Bonus Cashback when you shop online or in-store. T&Cs apply.

Find out more

Account fees

Monthly fee
Standard fees (fees may change) Amount
Account-Keeping Fee (monthly)
$5
This fee is waived for:
  • Customers that deposit at least $2,000 each month
  • Customers under the age of 30 or full-time tertiary students
  • Westpac Choice Concession account holders
  • New to Australia or expatriate customers (for the first 12 months)
  • Customers that link their Choice account to their Rocket Repay Home Loan or Rocket Investment Loan as an offset account (for as long as the account is linked)
  • Customers that open a new Westpac Choice account online (for the first 12 months).
  

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.

Standard fees (fees may change) Amount
Online Banking withdrawal (including Mobile Banking) $0
Telephone Banking withdrawal (self service) $0
Telephone Banking withdrawal (staff assisted) $0
Branch staff assisted withdrawal $0
Direct Debit $0
Point of Sale (POS) transactions $0
ATM cash withdrawals in Australia (ATM providers may charge a fee – watch out for that!)  $0
Overdrawn Fee (for more information: Overdraw Preference Feature) $15
Unarranged Lending Rate (ULR) is a debit interest rate charged to a transaction account if it becomes overdrawn without arrangement 15.01% p.a.
Overseas Withdrawal Fee  from a Global Alliance Partner ATM (for more information on Global Alliance Partners: 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 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

Join your savings while you’re at it

Want to open a joint savings account at the same time as your everyday Choice Joint account? Pair it up with a Westpac Life savings account to build your savings together.

Find out more

Help when you need it

More options

Handy guides

Rates and calculators

Westpac Choice Joint Account

Open in less than 5 minutes

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Give us a call

1300 558 724

8am – 8pm (Sydney time) 7 days

Find a branch

Visit your local branch

Things you should know

Deposit Accounts for Personal customers Terms and Conditions (PDF 712KB) 
Westpac Debit Mastercard® Terms and Conditions (PDF 385KB)
Online Banking Terms and Conditions (PDF 408KB) 
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.

 

*Claim based on "The Forrester Digital Experience Review™: Australian Mobile Banking Apps, Q4 2024" an evaluation of five Australian Banks.

 
 

Protected by the Financial Claims Scheme (FCS): If you have a Westpac deposit account, in certain circumstances you may be entitled to a payment under the FCS. Payments under the FCS are limited for each customer. You can find out more information from the APRA website at www.fcs.gov.au.

Westpac’s Online Banking Security Guarantee - If your Westpac account is compromised due to Online fraud, we guarantee to repay any missing funds, provided you complied with our  Online Banking Terms and Conditions. This includes keeping your sign-in details (including passwords, Westpac Protect™ Security codes) private, not participating in the unauthorised transaction, and immediately notifying us when you suspect an unauthorised transaction or potential fraud on your accounts.
Westpac Fraud Money Back Guarantee - Our Westpac Fraud Money Back Guarantee ensures that you will be reimbursed for any unauthorised card transactions provided that you have not contributed to the loss and contacted Westpac promptly. Refer to your card’s conditions of use for full details, including when you will be liable.
 
Mastercard® is a registered trademark and the circles design is a trademark of Mastercard International Incorporated. 

PayID® is a registered trademark of NPP Australia Limited and any use of its marks by Westpac is under license.