Westpac Choice

 General Lending Rates

 Product Features

• Other Additional Information: $0 monthly and withdrawal fees - No account-keeping fees for the first 12 months. After that fees are waived if you?re under 41, if you deposit $2,000 a month in the account, if you link it as an offset, or if you meet one of our other conditions. (Details in monthly fee section).

• Cashback Offer Additional Information: Double your $50 when you bank and save with Westpac. Open a new Choice everyday account and an eligible savings account together and here?s how you can get $50: Deposit $50 or more into your new Choice everyday account within 10 days. We?ll add $50 to your savings account once you meet the criteria. T&Cs apply.

• Card Access

• Additional Cards

• Unlimited Txns

• Digital Banking Additional Information: 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

• Digital Wallet

• Digital Wallet

• Digital Wallet

• Digital Wallet

• Other Additional Information: Click to Pay - Online shopping made quick, simple and secure with Click to Pay.

• Digital Banking Additional Information: 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 Additional Information: 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 Additional Information: 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 Additional Information: 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.

• Relationship Management Additional Information: Relationship management is available for eligible customers.

• Other Additional Information: The Westpac Mobile Banking App is an easy, secure and convenient way to take your bank with you wherever you go and with more than 100 features it can help you look after your money in more ways than you'd expect

• Fraud Protection Additional Information: Can't find your card? Don't panic, you can temporarily lock it in seconds with Card on Hold while you search

• Fraud Protection Additional Information: Shop securely with your debit card. We've got your back with 24/7 fraud monitoring and our Fraud Money Back Guarantee

• Fraud Protection Additional Information: Westpac Protect SMS Code : Increase your security when banking online by using your mobile phone to confirm certain transactions via text messages

• Fraud Protection Additional Information: 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

• Other Additional Information: You can earn a higher variable interest on your savings when you grow your savings with a Westpac Life account and make 5 eligible purchases with a debit card linked to your Choice account each month. Offer is valid for customers aged between 18 - 34 years. Please visit the link below for more details

• Other Additional Information: 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 Additional Information: Account can be opened via Online, mobile, in branch and telephone.

• Other Additional Information: No minimum opening balance for this account

• Other Additional Information: Statements : 6 monthly, or more frequently on request.

• Other Additional Information: You can pay bills using BPAY

• Digital Banking Additional Information: Online , Mobile and telephone banking is available

• Other Additional Information: Periodical Payments from this account can be made.

• Other Additional Information: $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.

• Other Additional Information: Budgeting tools - Master your money in the Westpac App with our tools including Savings Finder, Tax Organiser and Budget Planner.

• Other Additional Information: $0 - ATM cash withdrawals in Australia (ATM providers may charge a fee - watch out for that!)

• Other Additional Information: Exclusive offers - Check out our customer-only discounts and offers, including bonus Cashback on over 4,000 brands with ShopBack.

• Other Additional Information: You can only hold one Westpac Choice account with a fee waiver. There is otherwise no limit to the number of Choice accounts.

• Other Additional Information: Unlimited transactions and account enquiries.

• Other Additional Information: Home loan savings - Link up to 10 Choice accounts to?your eligible Westpac home loan to help reduce the interest you?ll pay.

• Other Additional Information: 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.

• Overdraft Additional Information: Temporary Overdraft is available subject to our normal lending criteria, and only if you?re 18 years or over.

• Other Additional Information: Weekly Spend Limit will allow customers to set a limit on their accumulative weekly spend on their Debit Mastercard.

• Other Additional Information: Cardless Cash Withdrawal Feature - Cardless Cash is a convenient and secure way to withdraw cash from Westpac-branded ATMs using the Westpac App.

 Product Eligibility

• Min Age - 14.

• Residency Status - Those With An Australian Residential Address And Who Are Currently In Australia..

• Other Additional Information: The card must be linked to an eligible Westpac account

 Bank Fees and Charges

• Account Keeping Fee (Periodic), Amount: 5.00.

• Online Banking (Withdrawal), Amount: 0.00. Additional Information: Online transfer withdrawals via Online Banking

• Westpac Group Branded Atm - Withdrawal (Withdrawal), Amount: 0.00. Additional Information: Any withdrawal made at a Westpac/St.George/Bank of Melbourne/BankSA branded ATM

• Westpac Group Branded Atm - Balance Inquiry (Event), Amount: 0.00. Additional Information: Any balance Inquiry made at a Westpac/St.George/Bank of Melbourne/BankSA branded ATM

• Point Of Sale (pos) Transactions (Purchase), Amount: 0.00. Additional Information: All transactions conducted at a POS terminal.

• Telephone Banking (automated) (Withdrawal), Amount: 0.00. Additional Information: Automated Telephone Banking transfer withdrawals

• Telephone Banking (staff Assisted) (Withdrawal), Amount: 0.00. Additional Information: A Telephone Banking transfer withdrawal assisted by a staff member over the telephone

• Cheque Withdrawals (Withdrawal), Amount: 0.00. Additional Information: Withdrawals or payments made by cheque. Excludes cashing of a cheque. Only available to customers aged 18 years and over.

• Direct Debit (Payment), Amount: 0.00. Additional Information: A transfer of funds from your account drawn under a Direct Debit request you gave another person or company.

• Payto Payment (Payment), Amount: 0.00. Additional Information: A transfer of funds from your account in accordance with a Payment Agreement you have established with a merchant or Payment Initiator.

• Branch Staff Assisted Withdrawal (Withdrawal), Amount: 0.00. Additional Information: Includes any withdrawals conducted at a Westpac branch, including cashing of Westpac cheques.

• Periodical Payments (Payment), Amount: 0.00. Additional Information: An automated transfer that is debited from your account and credited to a specified account on a regular basis on your request. Additional fees apply for Periodical Payments made by Bank Cheque and International Periodical Payments. These additional fees are not included as part of any free monthly withdrawal allowance.

• Overseas Withdrawal (Withdrawal), Amount: 5.00. Additional Information: Any successful cash withdrawal made at an overseas ATM. Some overseas banks may also apply a surcharge to cash withdrawals from their ATMs. This should be drawn to your attention before you proceed with your transaction. This surcharge amount will be added to your withdrawal amount, converted to Australian dollars and debited to your account as one transaction on the same day the transaction was made, or on the next business day. This fee is nil for cash withdrawals from Global ATM Alliance and Westpac Group partner ATMs. To find an overseas ATM visit westpac.com.au and search 'Global ATM Alliance'.

• Foreign Transaction Fee (merchant Outside Australia) (Transaction), Amount: Not Listed.. Additional Information: 3% of the $AUD transaction amount where a transaction is made in foreign currency and the merchant or financial institution accepting the card is located outside Australia (comprising of 2% Westpac Processing Fee plus 1% Westpac On-Charged Scheme Fee)

• Foreign Transaction Fee (australian Merchant) (Transaction), Amount: Not Listed.. Additional Information: 2.2% of the $AUD transaction amount where a transaction is made in foreign currency and the merchant or financial institution accepting the card is located in Australia (comprising of 2% Westpac Processing Fee plus 0.2% Westpac On-Charged Scheme Fee).

• Overdrawn Fee (Event), Amount: 15.00.

 Document Downloads

  personalaccounts-tandc.pdf (688 K)