based on 23404 Westpac product reviews as rated by Mozo community

Westpac bank accounts

As Australia's first bank, Westpac has been serving customers since 1817. Westpac merged with St.George to create Australia's largest financial services company, and customers can enjoy from peace of mind from having the security offered by a major bank behind them. Check out Westpac's range of banking products such as savings accounts, home loans, personal loans, credit cards and other financial services such as its car and home and contents insurance. Westpac won both a 2023 Mozo People's Choice Award and a Mozo Experts Choice Award for their IMT and Mobile Banking products. 

Westpac offers the following bank accounts

Rates and fees verified as correct at 3 December 2023. Other information correct at the time of writing. Advertiser disclosure.
Product Account fee Payment options Interest rate
Choice

$5.00

Apple Pay, Google Wallet, Samsung Pay, Fitbit Pay, Garmin Pay, Digital Card

0% p.a.

Choice Student

$0.00

Apple Pay, Google Wallet, PayID, Samsung Pay

0% p.a.

How are Westpac bank accounts rated?

Mozo users have rated Westpac bank accounts on price, features, convenience, trust and customer service so you can see what real Aussies have to say about their experiences.

Icon of bank-accounts
Westpac bank accounts
Overall
Price
Features
Customer service
Convenience
Trust

4796 Reviews

Recent Westpac bank account reviews

Westpac Choice
Overall 9/10
Great customer service

They are always great with customer service over the phone or at the bank but there are not enough teller machines or actual banks anymore

Read full review

They are always great with customer service over the phone or at the bank but there are not enough teller machines or actual banks anymore

Price
8/10
Features
8/10
Customer service
10/10
Convenience
6/10
Trust
9/10
Less
Astrid, Western Australia, reviewed 16 days ago
Westpac Choice
Overall 1/10
Westpac Fraud Department are Life DESTROYING!!!

I have been with this bank since I was 16 yrs and I’m now 43 yrs. Today they froze my account with zero explanation. I checked my online banking and BAM! Locked out of my own accounts. I called them up - waited 45 mins and I was finally told I needed to go into my local branch to sort out the issue. I went into the branch and I was put on hold - it took 3 hours to talk to someone on the phone. (I was sitting in the branch for literally 3 hours just waiting) When they eventually spoke to me, there was no apology and they were very rude, inconsiderate and asked me extremely personal questions with super judgement. They belittled me and talked over me. All this while the Westpac banker was sitting in front of me scratching his head and appeared embarrassed. After the call he said it happens all the time - this is not new he said. I am perplexed how they even have a job still. Her name was [Name Removed] and she verbally attacked and interrogated me on the phone and left me feeling like I wanted to jump off a bridge. Westpac, please listen to her phone call, in fact I will be asking for a recording and I will share it with this review. You have lost a loyal customer and I will be sharing my story with everyone I know. If I could give you a NEGATIVE 5 star review I would. Do yourself a favour and go elsewhere! Disgusting! So, they can actually freeze your account instantly and [Name Removed] (the obnoxious woman) told me to open up another account with ANOTHER bank because it could take more than 10 days to fix this problem. (Gone are the days where the customer is always right) All this because they were concerned about who sent me money and wanted to know exactly what I was going to do with it. (That is none of your business) They could easily ruin your life and block all of your accounts for zero reason overnight! The worst bank in Australia in my opinion! They have been rated a terrible on this site. Believe it, read the reviews. They are criminals. The above review is my opinion, maybe you will be treated like royalty. But based on their below average star review - chances are… choose your bank wisely!

Read full review

I have been with this bank since I was 16 yrs and I’m now 43 yrs. Today they froze my account with zero explanation. I checked my online banking and BAM! Locked out of my own accounts. I called them up - waited 45 mins and I was finally told I needed to go into my local branch to sort out the issue. I went into the branch and I was put on hold - it took 3 hours to talk to someone on the phone. (I was sitting in the branch for literally 3 hours just waiting) When they eventually spoke to me, there was no apology and they were very rude, inconsiderate and asked me extremely personal questions with super judgement. They belittled me and talked over me. All this while the Westpac banker was sitting in front of me scratching his head and appeared embarrassed. After the call he said it happens all the time - this is not new he said. I am perplexed how they even have a job still. Her name was [Name Removed] and she verbally attacked and interrogated me on the phone and left me feeling like I wanted to jump off a bridge. Westpac, please listen to her phone call, in fact I will be asking for a recording and I will share it with this review. You have lost a loyal customer and I will be sharing my story with everyone I know. If I could give you a NEGATIVE 5 star review I would. Do yourself a favour and go elsewhere! Disgusting! So, they can actually freeze your account instantly and [Name Removed] (the obnoxious woman) told me to open up another account with ANOTHER bank because it could take more than 10 days to fix this problem. (Gone are the days where the customer is always right) All this because they were concerned about who sent me money and wanted to know exactly what I was going to do with it. (That is none of your business) They could easily ruin your life and block all of your accounts for zero reason overnight! The worst bank in Australia in my opinion! They have been rated a terrible on this site. Believe it, read the reviews. They are criminals. The above review is my opinion, maybe you will be treated like royalty. But based on their below average star review - chances are… choose your bank wisely!

Price
1/10
Features
1/10
Customer service
1/10
Convenience
1/10
Trust
1/10
Less
Paul, Victoria, reviewed 18 days ago
Westpac Bank Account
Overall 10/10
LOVE Westpac

After 15 years of being in Australia, Westpac is always the bank I go back to. I love their service, their products and they have always had my back since day 1. I highly rate them and recommend them to anyone wanting a solid experience with their banking.

Read full review

After 15 years of being in Australia, Westpac is always the bank I go back to. I love their service, their products and they have always had my back since day 1. I highly rate them and recommend them to anyone wanting a solid experience with their banking.

Price
10/10
Features
10/10
Customer service
10/10
Convenience
10/10
Trust
10/10
Less
Josh, Victoria, reviewed 18 days ago
Westpac Choice
Overall 8/10
Good Bank

Reliable and good customer service

Read full review

Reliable and good customer service

Price
8/10
Features
8/10
Customer service
9/10
Convenience
8/10
Trust
9/10
Less
Kathryn, New South Wales, reviewed 18 days ago
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