Embrace the freedom to explore your new life in Australia

NEW TO AUSTRALIA? WESTPAC CHOICE BANK ACCOUNT WITH DEBIT CARD

With a Westpac Choice everyday account, 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 the first year on new accounts for eligible customers – more 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.

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

Banking on the go

Skip the trip to the branch and manage your banking when it suits you by using the Westpac App.


Westpac App

Get exclusive offers

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


Rewards & Offers

We speak your language

If English is not your first language, we offer:

  • Language help and translation services
  • ATMs with 9 languages other than English
  • Easy English Guides for banking and other services.

 

Find out more

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

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)

Do it online

If you’re in Australia your Choice account could be active in just a few minutes.


Can’t open online? visit a branch.

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Link your Choice account with a Westpac eSaver savings account

Enjoy a sweet, total introductory interest rate of up to 5.00% p.a on your savings for the first 5 months. Get the breathing space to explore your new life in Australia.

Explore eSaver

Account fees

Monthly fee
Standard fees (fees may change) Amount
Pay no Account-Keeping Fee for the first 12 months (usually $5 per month)
 

After this, the fee will continue to be waived for:

  • Customers that deposit at least $2,000 each month
  • Customers under the age of 30
  • Customers who are full-time tertiary students
  • 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).
 $0
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

Help when you need it

Options for new arrivals

Handy guides

Rates and calculators

Westpac Choice for new arrivals

It’ll take just minutes to open your account if you’re in Australia.

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Call from Australia

1300 558 724

8am – 8pm (Sydney time) 7 days
(you can ask for an interpreter for translation services if needed)

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.