Westpac Choice for Migrants

transaction accountstale

Choice for Migrants is a transaction account from Westpac. It pays 0.00% p.a. with no bonus conditions.

Not ranked: a transaction (everyday) account, not a savings account.

Rate tiers

Every balance band in the bank's feed: base is the rate the bank pays.

One rate on every balance, with no upper limit.

Conditions

• not updated by the bank since 2026-10-29, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed

Features

card

Use your Debit Mastercard to shop securely online, access cash at ATMs and use PayPass to tap and go on purchases under $100

app

yes

Osko

yes

PayID

yes

PayTo

yes

transactions

unlimited

wallets

Apple Pay, Fitbit Pay, Garmin Pay, Google Pay, Samsung Pay

Other features, in the bank's words:

• $0 Cash withdrawal fees: In branch, from our ATMs and select partner ATMs. Plus, unlimited transactions and account enquiries.
• $0 Account-keeping fees: For at least the first year on new accounts for eligible customers ? more details in the fees section.
• Instant Digital Card - Start spending using your digital card in Apple Pay or Google Pay, before your physical card arrives.
• Save on fees - Pay no Westpac foreign currency transfer fees, or withdrawal fees1 at 3k+ ATMs.
• Banking on the go - Skip the trip to the branch and manage your banking when it suits you by using the Westpac App.
• Language support - Access translation services, multilingual ATMs, and English guides for easier Aussie banking.

Fees, limits and who can open it

monthly fee

$5

other fees named

Foreign Transaction Fee (Merchant Outside Australia), Foreign Transaction Fee (Australian merchant) (no amount in the feed)

interest paid

monthly

interest calculated

daily

age

ages 14 and over

open to

personal customers

Who can open it, in the bank's own words:

• residency: Those with an Australian residential address and phone number.
• You need to already be in Australia or arriving in the next 14 days to apply online; required documents include arrival date (must be within the next 14 days).
• If you're overseas but will arrive in Australia within 14 days, set up your account online in advance. You'll get a Customer ID and Online Banking profile.
• Verify your ID when you arrive in Australia. You'll need ID documents, such as your passport to verify your identity at a local branch.

About this account

A Westpac Choice everyday bank account for people who need to already be in Australia or arriving in the next 14 days to do this.

Data

• Westpac's own page for this account.
• The bank's documents its product record links to: terms and conditions, fees, eligibility.
• Our verbatim snapshot of the bank's product record (source), as fetched on 31 October 2026.
• /au/finance/savings-accounts/v1/brands/westpac.json: this bank's accounts and every balance band as JSON; Westpac's page lists them.
• The bank last updated this record on 29 October 2026. Rates are per annum as the bank states them; "stale" means the bank has not updated the record for over 60 days or since the latest cash rate change.

Other accounts at Westpac

• 55+ and Retired savings account, 1.73% base at $50,000
• Bump Savings savings account, 5.55% conditional at $50,000
• Business Cash Reserve Savings savings account, 0.95% base at $50,000
• Business Premium Cash Reserve savings account, 0.01% base at $50,000
• Cash Investment Account savings account, 1.30% base at $50,000
• Community Solutions Cash Reserve savings account, 0.95% base at $50,000
• eSaver savings account, 1.25% base at $50,000
• Life savings account, 5.50% conditional at $50,000
• Notice Saver 31, 60 & 90 Days notice account, 0.00% base at $50,000
• Bank Account with Debit Card for Students and Young Adultsstale transaction account, 0.00% base at $50,000
• Business Onestale transaction account, 0.00% base at $50,000
• Business One - Negotiator Planstale transaction account
• Business One - Plusstale transaction account, 0.00% base at $50,000
• Choice transaction account, 0.00% base at $50,000
• Choice for Concession Holdersstale transaction account, 0.00% base at $50,000
• Community Solutions One transaction account, 0.00% base at $50,000
• Youth Bank Account and Debit Cardstale transaction account, 0.00% base at $50,000

All of Westpac's accounts on its page, with its best rates per segment and rate kind, and every account at every bank.