Bank account with debit card for Students and young adults
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.
- Base rate
- 0%
Interest Rates
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Penalty 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. | 15.01% | — | — |
Deposit Rates
| Type | Rate | Applies To | Interest Paid |
|---|---|---|---|
| Variable Standard Variable Rate | 0% | — | monthly |
Fees
| Fee | Type | Amount |
|---|---|---|
| Account Keeping Fee Charged monthly
| Ongoing | $5.00 |
| Online Banking Online transfer withdrawals via Online Banking | Withdrawal | $0.00 |
| Westpac Group Branded ATM - Withdrawal Any withdrawal made at a Westpac/St.George/Bank of Melbourne/BankSA branded ATM | Withdrawal | $0.00 |
| Westpac Group Branded ATM - Balance Inquiry Any balance Inquiry made at a Westpac/St.George/Bank of Melbourne/BankSA branded ATM | Event | $0.00 |
| Point of Sale (POS) transactions All transactions conducted at a POS terminal. | Purchase | $0.00 |
| Telephone Banking (automated) Automated Telephone Banking transfer withdrawals | Withdrawal | $0.00 |
Features
- Fast, secure payments: Make payments online and in-store with your Debit Card that has a CVC that updates every 24 hours.
- Cashback offer — 50.00
- 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.
- Card access — Use your Debit Mastercard to shop securely online, access cash at ATMs and use PayPass to tap and go on purchases under $100
- Additional cards — up to 1
- Unlimited transactions
- Digital banking
- 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.
Eligibility
- Minimum age — 14 years
- Residency status — Those with an Australian residential address and who are currently in Australia.
- The card must be linked to an eligible Westpac account
- Employment status — Full-time students
- Students — 14Only students may apply for the product
- Individuals only
More Information
Published by Westpac under the Consumer Data Right · Last updated 3 July 2026 · Product ID TrChoiceStudent · View on CDR.gov.au