Westpac Choice

$5.00

Google Pay, PayID, Samsung Pay

0% p.a.

Westpac Choice

$5.00

Google Pay, PayID, Samsung Pay

0% p.a.

Mozo Review   Westpac Choice Review

Last updated: 26 November 2019.

What's hot:
  • No account fee (when you deposit $2,000 each month)

  • Cardless cash feature

  • Google and Samsung Pay

What's not:
  • 3% foreign exchange fee

Mozo snapshot:

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 per month.

Key features:

With the Westpac Choice bank account you can say goodbye to the $5 monthly fee if you deposit at least $2,000 each month - for example, your salary. That fee will also be wiped if you’re under 21, studying full time or hold an Australian Pensioner Concession Card or Health Care Card.

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.

Who it's good for:

The Westpac Choice bank account is designed for Aussies looking for a bank account with a wide ATM network and modern features like Google and Samsung Pay, especially for those who can meet the minimum deposit conditions to avoid paying the monthly fee.

Any catches?

Be sure to get your salary (at least $2,000) directly deposited into the account to avoid the $5 monthly fee.

Details

Rates and fees information correct as at 21 January 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
  • $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

Other financial bits
  • $0.00

  • $0.00

Features
  • $2,000.00

  • no

  • yes

  • no

  • yes

  • yes

  • yes

  • no

  • none

  • none

Atm card
  • none

  • none

  • none

Debit card
  • $5.00

  • $0.00

  • 3.00%

Payment options

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

  • Overall 4/10
    Not interested in smaller customers.

    Not interested in smaller customers. I have been given incorrect information in the past which resulted in some substantial cost to us.

    Read full review

    Not interested in smaller customers. I have been given incorrect information in the past which resulted in some substantial cost to us.

    Price
    4/10
    Features
    0/10
    Customer service
    3/10
    Convenience
    6/10
    Trust
    4/10
    Less
    June, Victoria reviewed about 2 months ago
  • Overall 7/10
    Great for everyday banking.

    Great for everyday banking. Don't like their overdraw charge.

    Read full review

    Great for everyday banking. Don't like their overdraw charge.

    Price
    -1/10
    Features
    5/10
    Customer service
    10/10
    Convenience
    8/10
    Trust
    8/10
    Less
    Debbie, Victoria reviewed about 1 month ago
  • Overall 4/10
    Great customer service.

    Good customer service. Friendly staff.

    Read full review

    Good customer service. Friendly staff.

    Price
    4/10
    Features
    2/10
    Customer service
    6/10
    Convenience
    10/10
    Trust
    5/10
    Less
    Carrie, South Australia reviewed about 1 month ago
  • Overall 9/10
    Geat customer service.

    Westpac is the only bank we've been with that actually smiles at you and treats you special. The service I've had over the last 20 years is awesome. I've experienced no hassles from them.

    Read full review

    Westpac is the only bank we've been with that actually smiles at you and treats you special. The service I've had over the last 20 years is awesome. I've experienced no hassles from them.

    Price
    8/10
    Features
    10/10
    Customer service
    10/10
    Convenience
    10/10
    Trust
    10/10
    Less
    Steve, Western Australia reviewed about 1 month ago
  • Overall 10/10
    Very good customer and online service.

    Have used Westpac for many products, savings, investment, credit card, home loans and have always been satisfied.

    Read full review

    Have used Westpac for many products, savings, investment, credit card, home loans and have always been satisfied.

    Price
    8/10
    Features
    8/10
    Customer service
    10/10
    Convenience
    10/10
    Trust
    10/10
    Less
    Lynette, Queensland reviewed about 1 month 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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