Westpac
Transaction & Savings Accounts
17The trick to saving is to start early. With a Westpac Bump kids savings account, get the money-growing habits you need.
A Westpac Choice everyday bank account for people who have arrived in Australia in the last 12 months.
Our most popular account, Westpac Choice, is a simple-to-use everyday bank account packed with features to help make banking a breeze.
An integrated business product designed to meet all your cash flow requirements. The negotiator plan has certain qualifying criteria and is only available to relationship managed customers.
No Monthly Fee Business Account
Feature rich everyday business account. Choose this account if you bank online, on mobile, and occasionally in branch.
Not-for-profit transaction account. Choose Community Solutions One, our no-fees bank account for charities and other not-for-profits.
Stay on top of your money matters with Westpac Choice. An everyday account packed with features so you can bank your way with ease and confidence.
An online savings account designed for those who wish to earn a higher rate of interest on their investments having convenient access to funds via Telephone Banking or Online Banking. The Business Premium Cash Reserve has certain qualifying criteria.
Get a head start with a Westpac Choice Youth account. A simple-to-use kids bank account with a debit card that will grow up with you.
Westpac Life is a flexible savings account that supports your savings goals. You could earn bonus interest each month your balance grows.
Westpac eSaver makes saving a breeze. You?ll get an introductory interest rate and online access to your money whenever you need it.
Available to individuals who hold a Concession or Health Care card, receive an Australian Government benefit payment that makes you eligible to hold a card, or are a low or no income earner.
Earn interest on your surplus funds and access your funds anytime you need them.
Westpac 55+ and Retired is a transaction account for eligible retirees aged 55 or over to deposit and withdraw funds by various channels including Debit Mastercard and also offers interest on account balances.
Earn interest on your collected GST and access your funds anytime you need them with our most popular business online savings account
The Westpac Cash Investment Account has been designed with Westpac share investors in mind by offering access to low brokerage, competitive interest rates, convenient features and seamless trade settlements.
Term Deposits
4The FMD scheme is a government initiative that helps farmers save money during good years. This money can be used later in tough times to help keep their income.
A Westpac Business Term Deposit invest surplus funds for a fixed term and enjoy the certainty of a guaranteed return.
A Westpac Term Deposit lets you invest your money with the certainty of a fixed interest rate and a choice of terms.
A Foreign Currency Term Deposit (FCTD) is a type of term deposit product that allows you to invest foreign currency with Westpac for a fixed term. Westpac pays you interest at a fixed interest rate for the duration of the Foreign Currency Term Deposit.
Home Loans
11Choose a Fixed Options home loan with terms from 1 to 5 years and lock in certainty. Get a guaranteed interest rate and set repayments over your fixed term.
Flexi First Option is a basic home loan with a low variable rate, no loan account fee and no lending establishment fee with Principal & Interest repayments.
Flexi First Option is a basic home loan with a low variable rate, no loan account fee and no lending establishment fee with Principal & Interest repayments.
The Sustainable Upgrades home and investment loan products are basic variable rate loans designed for borrowers with an eligible Westpac home or investment loan who are looking for a low variable rate loan to fund energy efficiency and/or climate resilience upgrades for their residential property.
The Sustainable Upgrades home and investment loan products are basic variable rate loans designed for borrowers with an eligible Westpac home or investment loan who are looking for a low variable rate loan to fund energy efficiency and/or climate resilience upgrades for their residential property.
You could save on home loan interest with up to 10 offset accounts, unlimited extra repayments and our package option.
Apart from buying an existing property, bridging loans are also an option if you want to stay in your current property while you build a new property. It saves you the hassle of selling your property and renting somewhere short-term, not to mention having to pay for the costs of moving twice.
You could save on home loan interest with up to 10 offset accounts, unlimited extra repayments and our package option.
A variable rate loan which gives flexibility and a choice of different payment options for investment or business purposes.
A low variable rate loan to support eligible ?Veterans? with purchasing, constructing or refinancing a home, for owner occupied purposed only.
A variable rate home loan which gives flexibility and a choice of different payment options for owner occupied or personal purposes.
Credit & Charge Cards
13
Keep all your everyday business purchase records in one place, with a BusinessChoice Everyday.
Receive flexible rewards points for eligible purchases and tax payments, plus complimentary insurance.
Our premier credit card that provides access to a credit facility to make payments and perform transactions, and offers the ability to earn Velocity Points and receive travel related benefits.
Our platinum credit card that provides access to a credit facility to make payments and perform transactions, and offers the ability to earn Altitude Points and receive travel related benefits.
Our premier credit card that provides access to a credit facility to make payments and perform transactions, and offers the ability to earn Qantas Points and receive travel related benefits.
Our premier credit card that provides access to a credit facility to make payments and perform transactions, and offers the ability to earn Altitude Points and receive travel related benefits.
Our Low Rate Card provides a low interest purchase rate plus a low monthly card fee to help trim your credit card costs.
A straightforward credit card with no annual card fee, ever (minimum spend applies) and up to 55 days interest free on purchases.
Shopping online or travelling overseas - Pay no foreign transaction fees and get our lowest purchase rate with the Westpac Lite Card.
Our platinum credit card that provides access to a credit facility to make payments and perform transactions, and offers the ability to earn Qantas Points and receive travel related benefits.
Our platinum credit card that provides access to a credit facility to make payments and perform transactions, and offers the ability to earn Velocity Points and receive travel related benefits.
Receive Qantas Points for eligible purchases and tax payments, plus complimentary extended insurance.
Get uncapped rewards points for eligible purchases and tax payments, plus complimentary extended insurance.
Personal Loans
3With an application response in 60-seconds.
Whether consolidating your debt or renovating your home, our Unsecured Personal Loan could help.
An ongoing line of credit facility you can access when you need to, without having to reapply.
Business Loans
6The Westpac Equipment Finance Goods Loan finances the purchase of equipment and allows the customer to own the asset from the beginning of the term, without tying up valuable working capital.
The Hire Purchase allows customers to acquire business assets without tying up valuable working capital. Westpac (the 'owner') purchases the asset at the customer?s request gives the customer (the 'hirer') possession and use of an asset in return for regular payments until repaid.
For business loans from $250K with cash flow-friendly repayment options to help assist with acquisitions, capital investment or refinancing.
Find out how you could get an unsecured loan for up to $250k to grow your business without using assets to secure the loan
Make your business plans happen with a Westpac business loan.
Short-term finance to spread your yearly business insurance premiums across monthly instalments.
Overdrafts
2Now it's quick and easy to apply for unsecured funds to expand your business.
Provides cash flow relief with funds to cover business expenses, such as invoices and wages until you?re paid.
Leases
2Discover the benefits of paying for a new or used car via salary sacrifice.
With Finance lease we purchase the asset at your request and rent it to you for an agreed period. We own the asset and you rent it from us.
Margin Loans
3A Westpac Margin Loan may help you make the most of your money by using gearing to leverage your equities exposure.
The Westpac Absolute Investment Loan has potential to magnify your investment returns with up to 80% gearing.
A Westpac Online Investment Loan is a margin loan which allows you to borrow money to invest in shares and managed funds, using your own money or existing portfolio as security.
Regulated Trust Accounts
3Project Trust Accounts are designed for construction projects in Queensland, to help you comply with your banking requirements under the Building Industry Fairness (Security of Payment) Act 2017. An account must be opened for each project trust to receive payments made under the construction contract, and to pay contractors.
A Retention Trust Account must be opened when the construction contract includes a requirement to hold cash retention amounts. It?s used to hold cash retention amounts for eligible contracts until payments to contractors are made. You can have one or more Retention Trust Accounts for your eligible contracts.
Our Statutory Trust Accounts help you comply with statutory requirements.
Data published by Westpac under the Consumer Data Right · ABN 33007457141 · Register entry updated 1 July 2026 · View on CDR.gov.au