Thumbnail icon for Westpac

Westpac Choice Student

Account fee
$0.00
Payment options
Apple Pay, Google Pay, PayID, Samsung Pay
Interest rate
0% p.a.

Mozo editorial review Westpac Choice Student

Last updated: 23 March 2020.

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What's hot
  • $0 account fee
  • Unlimited free BPAY, online and phone transactions
  • Google Pay, PayID & Samsung Pay available
What's not
  • 3% foreign exchange commission
Mozo snapshot

If you're a student looking to open a bank account with a major bank, the Westpac Choice Student is definitely one worth considering. It comes with unlimited free transactions online, over the phone, in branch and via BPAY or EFTPOS, overseas ATM access and all with a $0 account fee. Although, if you do decide to withdraw money overseas, you’ll be hit with a $5 ATM fee and 3% foreign exchange commission.

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Key features

As a student, you might not have thought too much about what bank account you have and may just be using the same account you were set up with as a kid. If this is the case, then it’s likely that you have a regular adult bank account, rather than a student account with no account fees, such as the Westpac Choice Student account which has zero ongoing account fees, as long as you’re a card-carrying full-time student.

The account also comes with unlimited, free transactions via the internet, phone, ATM, in branch and bunch of other ways, letting you bank in the ways that are best for you. And if you're a keen bean for digital payment options, this account has them, as you can use Google Pay, PayID or Samsung Pay. 

And if you’ve got an overseas trip planned, while you can use your card overseas, but by doing so it will leave you paying a 3% foreign exchange commission extra on any transaction, on top of a $5 ATM fee.

Also don’t worry about having a lump sum saved up already when opening the account, as you only need $1 to open an account.

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Who is it good for

This account is suited to full-time students looking for a fee-free account with a major bank. You’ll need to show your Student ID at the beginning of each year to have the account fee waived.

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Any catches

For any students on exchange or holiday, keep in mind that while there is the option for withdrawing money from overseas ATMs using your debit card, it comes with a $5 ATM fee and a 3% foreign exchange commission. 

Details

Rates and fees information correct as at 2 July 2020. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • Balances from $0: 0.00% p.a.

  • n/a

  • n/a

Fees
  • $0.00

  • n/a

  • Unlimited free transactions from internet, phone, network ATMs, EFTPOS, BPAY, branch deposits and withdrawals, and cheque.

  • $0.00

  • Westpac, St.George, BankSA, Bank of Melbourne

  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • $5.00

  • 3.00%

  • $0.00 monthly

Other financial bits
  • $0.00

  • $0.00

Features
  • $1,000.00

  • no

  • yes

  • no

  • yes

  • yes

  • yes

  • no

  • Must be a full-time student. Must show valid student card at the beginning of each year to waive monthly fees.

  • none

Atm card
  • none

  • none

  • none

Debit card
  • $5.00

  • $0.00

  • 3.00%

Payment options

Apple Pay, Google Pay, PayID, Samsung Pay

Customer Reviews

How are Westpac bank accounts rated by the Mozo community?

Overall customer rating
7.5/10
Price
6.7/10
Features
6.4/10
Customer service
7.6/10
Convenience
7.9/10
Trust
7.5/10

Latest reviews of Westpac Choice Student

  • Overall 7/10
    Not bad.

    It's not bad.

    Read full review

    It's not bad.

    Price
    8/10
    Features
    8/10
    Customer service
    10/10
    Convenience
    7/10
    Trust
    7/10
    Less
    Nathan, New South Wales reviewed 7 months ago
  • Overall 7/10
    No complaints.

    Local bank with good communication and transparency.

    Read full review

    Local bank with good communication and transparency.

    Price
    7/10
    Features
    7/10
    Customer service
    9/10
    Convenience
    10/10
    Trust
    8/10
    Less
    Alexandra, Western Australia reviewed 7 months ago
  • Overall 8/10
    Keeping up with modern times.

    I naturally went with Westpac after my family had always banked with them. Over time, I tried out other banks, which allowed me to see how others ranked in comparison, especially as a millennial who prefers the ease of banking online and via mobile. Many banks have terrible online banking or apps. I've found Westpac to consistently have a great online banking and app experience. I love that they do seem to listen to their customers in terms of ease of use, and what features we'd like to see. They're a bank who've truly entered the digital age of the 21st century. Every experience I've had with their customer service has also been above and beyond, which to me, is surprising for a bank. I've had some employees really go out of their way to help me, which has kept me with Westpac through my exploration of other banks.

    Read full review

    I naturally went with Westpac after my family had always banked with them. Over time, I tried out other banks, which allowed me to see how others ranked in comparison, especially as a millennial who prefers the ease of banking online and via mobile. Many banks have terrible online banking or apps. I've found Westpac to consistently have a great online banking and app experience. I love that they do seem to listen to their customers in terms of ease of use, and what features we'd like to see. They're a bank who've truly entered the digital age of the 21st century. Every experience I've had with their customer service has also been above and beyond, which to me, is surprising for a bank. I've had some employees really go out of their way to help me, which has kept me with Westpac through my exploration of other banks.

    Price
    7/10
    Features
    5/10
    Customer service
    10/10
    Convenience
    9/10
    Trust
    9/10
    Less
    Isabella, New South Wales reviewed 7 months ago
  • Overall 6/10
    Very good.

    Very good.

    Read full review

    Very good.

    Price
    7/10
    Features
    7/10
    Customer service
    7/10
    Convenience
    7/10
    Trust
    8/10
    Less
    Lisa, New South Wales reviewed 8 months ago
  • Overall 7/10
    Makes banking easier

    Everything is well laid out and easier to use and pick up. Would recommend to others.

    Read full review

    Everything is well laid out and easier to use and pick up. Would recommend to others.

    Price
    6/10
    Features
    5/10
    Customer service
    6/10
    Convenience
    6/10
    Trust
    5/10
    Less
    Janis, Queensland reviewed over 1 year ago
Westpac

About Westpac

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.

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