Learn about the Westpac Choice Account in this review to help you decide whether this is the card for you.

TickDebit Mastercard
TickAward winning mobile banking
TickUse cardless cash (available on iPhone, Android, and Windows)
TickAbility to pay to mobile
TickFree overseas withdrawal at any Global Alliance Partner ATM

Westpac Choice Account

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Pros & Cons


Pros Cons
Check Mark  Easy to use: Cardless cash and pay to mobile functions Cross Poor exchange rates and high fees for overseas transactions
Check Mark Westpac Fraud Moneyback Guarantee Cross  $5 monthly fee
Check Mark Pay no ATM withdrawal fee at Global Alliance ATMs Cross  Foreign Transaction Fee applies
Check Mark Open in less than 3 minutes



Benefits of the Westpac Choice Account Debit Card


 Manage your money

  • Quick balance function
  • Award winning mobile banking for security and ease


  • Fingerprint login
  • Westpac Fraud Moneyback guarantee
  • Card on hold function

Visa Icon Convenience

  • Cardless cash
  • Ability to pay to mobile


Savings Savings

  • Pay no ATM withdrawal fee at over 50,000 ATMs globally
  • Pay no ATM withdrawal fee at over 3000 Westpac ATMs in Australia


Transaction Limits


ATM Withdrawal Limit (24 hours) EFTPOS Transaction Limit (24 hours)
A maximum daily transaction limit of $1,000 applies to your card. This can be increased to a daily limit of up to $2,000 or decreased to $500, $300 or $200 at your request.


  • A maximum daily transaction limit of $1,000 applies to your card. This can be increased to a daily limit of up to $2,000 or decreased to $500, $300 or $200 at your request.
  • No limit of POS transaction is ‘credit’ is selected.



All prices are in AUD

Monthly Service Dishonour of cheques or Direct Debits Periodical payment not made
$5* $9 $9
Account Overdrawn Foreign Transaction Cash Advance Fee
  • 3% of the AUD transaction amount (outside Australia)
  • 2.2% of the AUD transaction amount (in Australia)
  • $5** (Overseas ATM & Branch Cash Withdrawal)
2% (when ‘credit' is selected)


*Fees waived for:
1. Customers that deposit at least $2,000 each month (other fees apply)
2. Customer under the age of 21 or a full-time tertiary students
3. Australian Pensioner Concession or Health Care Card holders
4. New to Australia or expatriate customers (for the first 12 months).

**Free withdrawal for any Global Alliance Partner ATM


Case Study

Amy is from the UK and has moved to Australia to work as an Au Pair in Melbourne. Having never been to Australia before, she had no idea about who the best bank was to set up an account with.

When she visited a Westpac branch, she enquired about setting up Debit Card account. She was told that, as she planned to both work and travel, that the Westpac Choice Account was her best option.

She discovered that she would not be charged for ATM withdrawals unlike other banks when she withdrew from a Westpac branch, or over 50,000 ATMs overseas. She also loved the idea of having an award-winning mobile banking app where she could control and budget her AUD funds easily, all at the touch of her fingerprint.

As she was also new to Australia, she did not have to pay a monthly fee. Bonus!

How To Apply for the Westpac Choice Account Debit Card



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Westpac Choice

Check Mark Open your Westpac Choice account in less than 3 minutes

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