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Westpac / Transaction & savings
Bank account with debit card for Students and young adults
An everyday account packed with features so you can bank your way with ease.
Updated 21 Aug 2026Individually tailored product
- Deposit rate type
- Variable
- Rate
- 0%
- Calculation frequency
- 1 day
- Application type
- Periodic
- Application frequency
- 1 month
- Applicability conditions
- Rate applicability type
- Other
- Additional info
- Standard Variable Rate
- Lending rate type
- Penalty
- Rate
- 15.01%
- Calculation frequency
- 1 day
- Application type
- Periodic
- Application frequency
- 1 month
- Interest payment due
- In arrears
- Repayment type
- Other
- Loan purpose
- Other
- Applicability conditions
- Rate applicability type
- Other
- Additional info
- The ULR is a debit interest rate charged to a transaction account if it becomes overdrawn without arrangement. It will be calculated daily on the debit balance (and deducted on the last business day of each month) using the then current ULR until the account balance is positive again.
- Additional info uri
- View bank information ↗
- Additional value
- 1 month
- Name
- Account Keeping Fee
- Fee type
- Periodic
- Fee method utype
- fixedAmount
- Fixed amount
- Amount
- $5.00
- Additional value
- 1 month
- Discounts
- Description
- You will pay no Account-Keeping Fee as a fulltime student. Other fees may apply.
- Discount type
- Eligibility only
- Discount method utype
- fixedAmount
- Fixed amount
- Amount
- $5.00
- Eligibility
- Discount eligibility type
- Student
- Additional value
- Full-time tertiary students and under 41s
- Additional info
- Account-Keeping Fee (usually $5) is waived for full-time tertiary students and under 41s
- Name
- Online Banking
- Fee type
- Withdrawal
- Fee method utype
- fixedAmount
- Fixed amount
- Amount
- $0.00
- Additional info
- Online transfer withdrawals via Online Banking
- Name
- Westpac Group Branded ATM - Withdrawal
- Fee type
- Withdrawal
- Fee method utype
- fixedAmount
- Fixed amount
- Amount
- $0.00
- Additional info
- Any withdrawal made at a Westpac/St.George/Bank of Melbourne/BankSA branded ATM
- Name
- Westpac Group Branded ATM - Balance Inquiry
- Fee type
- Event
- Fee method utype
- fixedAmount
- Fixed amount
- Amount
- $0.00
- Additional info
- Any balance Inquiry made at a Westpac/St.George/Bank of Melbourne/BankSA branded ATM
- Name
- Point of Sale (POS) transactions
- Fee type
- Purchase
- Fee method utype
- fixedAmount
- Fixed amount
- Amount
- $0.00
- Additional info
- All transactions conducted at a POS terminal.
- Name
- Telephone Banking (automated)
- Fee type
- Withdrawal
- Fee method utype
- fixedAmount
- Fixed amount
- Amount
- $0.00
- Additional info
- Automated Telephone Banking transfer withdrawals
- Name
- Telephone Banking (staff assisted)
- Fee type
- Withdrawal
- Fee method utype
- fixedAmount
- Fixed amount
- Amount
- $0.00
- Additional info
- A Telephone Banking transfer withdrawal assisted by a staff member over the telephone
- Name
- Cheque Withdrawals
- Fee type
- Withdrawal
- Fee method utype
- fixedAmount
- Fixed amount
- Amount
- $0.00
- Additional info
- Withdrawals or payments made by cheque. Excludes cashing of a cheque. Only available to customers aged 18 years and over.
- Name
- Direct Debit
- Fee type
- Payment
- Fee method utype
- fixedAmount
- Fixed amount
- Amount
- $0.00
- Additional info
- A transfer of funds from your account drawn under a Direct Debit request you gave another person or company.
- Name
- PayTo payment
- Fee type
- Payment
- Fee method utype
- fixedAmount
- Fixed amount
- Amount
- $0.00
- Additional info
- A transfer of funds from your account in accordance with a Payment Agreement you have established with a merchant or Payment Initiator.
- Name
- Branch staff assisted withdrawal
- Fee type
- Withdrawal
- Fee method utype
- fixedAmount
- Fixed amount
- Amount
- $0.00
- Additional info
- Includes any withdrawals conducted at a Westpac branch, including cashing of Westpac cheques.
- Name
- Periodical Payments
- Fee type
- Payment
- Fee method utype
- fixedAmount
- Fixed amount
- Amount
- $0.00
- Additional info
- An automated transfer that is debited from your account and credited to a specified account on a regular basis on your request. Additional fees apply for Periodical Payments made by Bank Cheque and International Periodical Payments. These additional fees are not included as part of any free monthly withdrawal allowance.
- Name
- Overseas Withdrawal
- Fee type
- Withdrawal
- Fee method utype
- fixedAmount
- Fixed amount
- Amount
- $0.00
- Additional info
- Overseas Withdrawal Fee from a Global Alliance Partner ATM (for more information on Global Alliance Partners: Accessing your accounts overseas)
- Additional info uri
- View bank information ↗
- Name
- Overseas Withdrawal
- Fee type
- Withdrawal
- Fee method utype
- fixedAmount
- Fixed amount
- Amount
- $5.00
- Additional info
- Any successful cash withdrawal made at an overseas ATM. Some overseas banks may also apply a surcharge to cash withdrawals from their ATMs. This should be drawn to your attention before you proceed with your transaction. This surcharge amount will be added to your withdrawal amount, converted to Australian dollars and debited to your account as one transaction on the same day the transaction was made, or on the next business day. This fee is nil for cash withdrawals from Global ATM Alliance and Westpac Group partner ATMs. To find an overseas ATM visit westpac.com.au and search 'Global ATM Alliance'.
- Name
- Foreign Transaction Fee (Merchant Outside Australia)
- Fee type
- Transaction
- Fee method utype
- rateBased
- Rate based
- Rate type
- Transaction
- Rate
- 3%
- Additional info
- 3% of the $AUD transaction amount where a transaction is made in foreign currency and the merchant or financial institution accepting the card is located outside Australia (comprising of 2% Westpac Processing Fee plus 1% Westpac On-Charged Scheme Fee)
- Name
- Foreign Transaction Fee (Australian merchant)
- Fee type
- Transaction
- Fee method utype
- rateBased
- Rate based
- Rate type
- Transaction
- Rate
- 2.2%
- Additional info
- 2.2% of the $AUD transaction amount where a transaction is made in foreign currency and the merchant or financial institution accepting the card is located in Australia (comprising of 2% Westpac Processing Fee plus 0.2% Westpac On-Charged Scheme Fee).
- Name
- Overdrawn Fee
- Fee type
- Event
- Fee method utype
- fixedAmount
- Fixed amount
- Amount
- $15.00
- Additional info
- Nil for Westpac Choice where an account holder is under 18 years of age.
- Feature type
- Cashback offer
- Additional value
- 50.00
- Additional info
- You could earn $50 cashback with a new account. If you open a new Westpac Choice everyday account and an eligible savings account between 9 June and 30 September 2026, here's how you could get $50: Spend at least $50 on your debit card within 15 days of opening on eligible purchases. You must not have held any Westpac transaction account or savings account in the last 2 years. Accounts must be in your name only (no joint accounts). Must be 18 years or older. T&Cs apply.
- Additional info uri
- View bank information ↗
- Feature type
- Other
- Additional info
- $0 monthly and withdrawal fees - Account-Keeping Fee (usually $5) is waived for full-time tertiary students and under 41s
- Feature type
- Other
- Additional info
- $0 - Account-Keeping Fee (usually $5) is waived for full-time tertiary students and under 41s
- Feature type
- Other
- Additional info
- 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.
- Additional info uri
- View bank information ↗
- Feature type
- Other
- Additional info
- Budgeting tools - Master your money in the Westpac App with our tools including Savings Finder, Tax Organiser and Budget Planner.
- Additional info uri
- View bank information ↗
- Feature type
- Other
- Additional info
- Exclusive offers - Check out our customer-only discounts and offers, including bonus Cashback on over 4,000 brands with ShopBack.
- Additional info uri
- View bank information ↗
- Feature type
- Other
- Additional info
- Spend&Save with Westpac - You could earn up to 5.75% 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.
- Additional info uri
- View bank information ↗
- Feature type
- Other
- Additional info
- GET YOUR MOBILE SORTED WITH OPTUS - Exclusive offer for Westpac customers. Not a Westpac customer yet? Open a Choice everyday account first, then get a $39 Prepaid eSIM: Just $13 for the first 28 days. T&Cs of the Optus offer apply
- Additional info uri
- View bank information ↗
- Feature type
- Other
- Additional info
- Weekly Spend Limit will allow customers to set a limit on their accumulative weekly spend on their Debit Mastercard.
- Feature type
- Other
- Additional info
- $0 international transfers when you send foreign currency overseas via Online Banking or the Westpac App. Westpac transfer fees still apply for funds sent in Australian dollars. Receiving bank fees may also apply, check the currency converter for indicative rates and fees.
- Additional info uri
- View bank information ↗
- Feature type
- Card access
- Additional value
- Use your Debit Mastercard to shop securely online, access cash at ATMs and use PayPass to tap and go on purchases under $100
- Feature type
- Additional cards
- Additional value
- 1
- Feature type
- Unlimited txns
- Feature type
- Digital banking
- Additional info
- Digital Card Security: It's a digital version of your card available 24/7 in the Westpac App. The 3-digit CVC security number changes daily to ensure your details are kept safe.
- Feature type
- Npp payid
- Feature type
- Npp enabled
- Feature type
- Digital wallet
- Additional value
- Fitbit Pay
- Feature type
- Digital wallet
- Additional value
- Garmin Pay
- Feature type
- Digital wallet
- Additional value
- Google Pay
- Feature type
- Digital wallet
- Additional value
- Samsung Pay
- Feature type
- Digital wallet
- Additional value
- Apple Pay
- Feature type
- Other
- Additional info
- Click to Pay - Online shopping made quick, simple and secure with Click to Pay.
- Additional info uri
- View bank information ↗
- Feature type
- Digital banking
- Additional info
- Digital Card - Unlock extra protection using the dynamic CVC on your digital Westpac debit or credit card. Add it to your digital wallet or use it
- Additional info uri
- View bank information ↗
- Feature type
- Digital banking
- Additional info
- With PayTo, you can see, review and authorise all new PayTo payments for things such as recurring bills, memberships and subscriptions before the money leaves your account.
- Feature type
- Fraud protection
- Additional info
- Layers of defence - Stay safe online and use our Digital Card with dynamic CVC that updates every 24 hours, Card Lock, Smart Verify and SafeBlock.
- Additional info uri
- View bank information ↗
- Feature type
- Fraud protection
- Additional info
- Under 18 Card Transactions Block: If the cardholder is under 18 years of age, a protective block is enabled by default on the card. This block is mandatory and will automatically be removed when the cardholder turns 18 years old.
- Feature type
- Fraud protection
- Additional info
- Can't find your card? Don't panic, you can temporarily lock it in seconds with Card on Hold while you search
- Feature type
- Fraud protection
- Additional info
- We?ve got your back - 24/7 fraud monitoring and our Fraud Money Back Guarantee.
- Feature type
- Fraud protection
- Additional info
- Westpac Protect SMS Code : Increase your security when banking online by using your mobile phone to confirm certain transactions via text messages
- Feature type
- Fraud protection
- Additional info
- If your Westpac account is compromised as a result of Internet fraud, we guarantee to repay any missing funds, providing you comply with our Online Banking Terms and Conditions
- Feature type
- Relationship management
- Additional info
- Relationship management is available for eligible customers.
- Feature type
- Other
- Additional info
- Account can be opened via Online, mobile, in branch and telephone.
- Feature type
- Other
- Additional info
- No minimum opening balance for this account
- Feature type
- Other
- Additional info
- Statements : 6 monthly, or more frequently on request.
- Feature type
- Other
- Additional info
- You can pay bills using BPAY
- Feature type
- Digital banking
- Additional info
- Online , Mobile and telephone banking is available
- Feature type
- Other
- Additional info
- Periodical Payments from this account can be made.
- Feature type
- Other
- Additional info
- Make shopping and ordering online even more safe and secure with Westpac My Merchants. Westpac My Merchants lets you shop and order online without needing to share your card details, because your card number is replaced with a unique identification code called a 'digital token'. This digital token, which won't contain your personal information and is used by the merchant instead of your card number, helping protect you online.
- Additional info uri
- View bank information ↗
- Feature type
- Other
- Additional info
- Unlimited transactions and account enquiries.
- Eligibility type
- Min age
- Additional value
- 14
- Eligibility type
- Residency status
- Additional value
- Those with an Australian residential address and who are currently in Australia.
- Eligibility type
- Other
- Additional info
- The card must be linked to an eligible Westpac account
- Additional info uri
- View bank information ↗
- Eligibility type
- Employment status
- Additional value
- Students or young adults
No limits & conditions were provided.
No bundles were provided.
From the bank
No application link was provided. Contact the bank to ask about this product.