Westpac Choice

transaction account

Choice 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.

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:

• Unlimited transactions and $0 withdrawal fees - No cash withdrawal fees from Westpac and select partner ATMs.
• 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.
• Budgeting tools - Master your money in the Westpac App with our tools including Savings Finder, Tax Organiser and Budget Planner.
• Exclusive offers - Check out our customer-only discounts and offers, including bonus Cashback on over 4,000 brands with ShopBack.
• Home loan savings - Link one or more Choice accounts to your eligible Westpac home loan to help reduce the interest you'll pay.
• Spend&Save with Westpac - You could earn up to 5.95% p.a. variable interest on your first $150000 of savings with a Life Savings and Choice bank account. 18-40 year olds only. T&Cs and exclusions apply.

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 who are currently in Australia.
• The card must be linked to an eligible Westpac account

About this account

Westpac Choice is our most popular account. A simple-to-use everyday bank account.

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 5 November 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 3 November 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 for Concession Holdersstale transaction account, 0.00% base at $50,000
• Choice for Migrantsstale 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.