For a one-stop account that satisfies your everyday banking needs, Westpac’s Choice bank account could certainly be worth a look. The account offers free access to over 3,000 Westpac ATMs Australia wide and has no domestic electronic, phone, cheque or over the counter fees (withdrawal and deposit). As a bonus, you can avoid paying the $5 monthly account fee if you deposit a minimum of $2,000 before the last business day of every month. Customers under 30 and full-time tertiary students also have the $5 monthly account feature waived.
With the Westpac Choice bank account, you can say goodbye to the $5 monthly fee if you deposit at least $2,000 before the last business day of every month - like your salary. That fee will also be wiped if you’re an Australian Pensioner Concession Card or Health Care Card holder or for the first 12 months if you're an expat customer, or if you are eligible for the Westpac Choice Student Account.
With no minimum balance required and a $2,000 daily ATM withdrawal limit, the Choice Account gives you the convenience of free access to over 3,000 Westpac Group ATMs in Australia including Westpac, St. George, Bank of Melbourne and BankSA.
Plus, you can use the linked Debit Mastercard wherever Mastercard is accepted around the globe via the Global ATM Alliance network and Westpac Group Partners. Westpac’s Fraud Money Back Guarantee gives extra peace of mind by ensuring any unauthorised transactions are reimbursed (conditions apply). Just bear in mind, there is a $5 overseas ATM withdrawal fee and a 3% foreign exchange margin to consider.
Don’t sweat it if you ever forget your card, because the Choice bank account comes with a cardless ATM withdrawal feature that gives you access to your cash (up to $500 a day) without your debit card through a unique cash code which you can get by calling Westpac customer service or entering your Online Banking Customer ID and password into the Westpac Mobile Banking App. You can also pay for purchases under $100 via “tap and pay” with Mastercard PayPass.
Just like most transaction accounts in Australia, you won’t be earning any interest on this account, but homeowners may be glad to hear that the Choice bank account can be used as a 100% interest offset account, should you link it to a Westpac Rocket Repay Home Loan or Rocket Investment Loan.
The Westpac Choice bank account is designed for Aussies looking for a solid everyday bank account with a wide ATM network and modern features like Google Pay, PayID and Samsung Pay, especially for those who can meet the minimum deposit conditions to avoid paying the $5 monthly account fee.
You might want to have your salary (at least $2,000) directly deposited into the account to avoid the $5 monthly fee.
| Balances from $0: 0.00% p.a. | |
| n/a | |
| n/a |
| $5.00 | |
| $0 monthly account fee if you deposit min. $2,000 per month | |
| 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 |
| $0.00 | |
| $0.00 |
| $2,000.00 | |
| no | |
| yes | |
| no | |
| yes | |
| yes | |
| yes | |
| no | |
| none | |
| none |
|
| |
| none | |
| none | |
| none |
|
| |
| $5.00 | |
| $0.00 | |
| 3.00% |
Apple Pay, Google Pay, PayID, Samsung Pay
Hi there! I have just filled 2 complaint forms and had a call for 1 hour 12 minutes. Where they asked me 2 security questions which made no sense what so ever. I failed identification while I have all my details by hand and all my work payslips. I am in a foreign country and got robbed. I lost my passport and cards I have my westpac card still luckily. I need to pay for my new passport and I need to access to my card. My telephone number from my account is dispatched. And I can’t access my account without receiving a sms text. I need to access my account to change my card to international banking. This is an emergency. And they are not helping me trough the phone. I have al my details all my payslips and they refuse to help me! This is an unacceptable rude costumer service! Who will help you with nothing in a emergency like this. I have never been treated like this especially because it’s my account and my money which I can’t access because of rude and inaccurate customer service and say no policy.
Read full reviewHi there! I have just filled 2 complaint forms and had a call for 1 hour 12 minutes. Where they asked me 2 security questions which made no sense what so ever. I failed identification while I have all my details by hand and all my work payslips. I am in a foreign country and got robbed. I lost my passport and cards I have my westpac card still luckily. I need to pay for my new passport and I need to access to my card. My telephone number from my account is dispatched. And I can’t access my account without receiving a sms text. I need to access my account to change my card to international banking. This is an emergency. And they are not helping me trough the phone. I have al my details all my payslips and they refuse to help me! This is an unacceptable rude costumer service! Who will help you with nothing in a emergency like this. I have never been treated like this especially because it’s my account and my money which I can’t access because of rude and inaccurate customer service and say no policy.
I would like to win this prices by speaking and telling u all about my banking experience with Westpac bank thank u for listening.
Read full reviewI would like to win this prices by speaking and telling u all about my banking experience with Westpac bank thank u for listening.
Their customer service are located in Australia. They offer a good product. However, their ATM's are hard to find and most of the time you must use other bank ATM's.
Read full reviewTheir customer service are located in Australia. They offer a good product. However, their ATM's are hard to find and most of the time you must use other bank ATM's.
Westpac banking app online easy to use and can access ability to all 8 pm and without a way that makes life a whole lot easier and get with the new modern technology and bank Westpac thank u That is what I think about my bank have a nice day people In hope u will bank safe with Westpac bank
Read full reviewWestpac banking app online easy to use and can access ability to all 8 pm and without a way that makes life a whole lot easier and get with the new modern technology and bank Westpac thank u That is what I think about my bank have a nice day people In hope u will bank safe with Westpac bank
I like Westpac because it's really safe to save and make withdrawals and they have great customer service.
Read full reviewI like Westpac because it's really safe to save and make withdrawals and they have great customer service.
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EFTPOS
