Bank accounts

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Before making a decision about any of our products or services, please read all the terms and conditions and consider whether the product or service is right for you. Fees and charges apply and may change.

Protected by the Financial Claims Scheme (FCS): If you have a Westpac deposit account, in certain circumstances you may be entitled to a payment under the FCS. Payments under the FCS are limited for each customer. You can find out more information from the APRA website at www.fcs.gov.au.

Westpac’s Online Banking Security Guarantee - If your Westpac account is compromised due to Online fraud, we guarantee to repay any missing funds, provided you complied with our  Online Banking Terms and Conditions. This includes keeping your sign-in details (including passwords, Westpac Protect™ Security codes) private, not participating in the unauthorised transaction, and immediately notifying us when you suspect an unauthorised transaction or potential fraud on your accounts.

Westpac Fraud Money Back Guarantee: Our Westpac Fraud Money Back Guarantee ensures that you will be reimbursed for any unauthorised card transactions provided that you have not contributed to the loss and contacted Westpac promptly. Refer to your card's conditions of use for full details, including when you will be liable.

To open a savings account: you must also hold a Westpac everyday account. The accounts must be in the same name and be registered for Online and Phone Banking. Fees and charges may apply on the everyday account. Savings accounts include Westpac Life, Westpac Bump or Westpac eSaver.

To have a Debit Mastercard® and link it to your everyday account you must be at least:

8 years old for a Westpac Choice Youth account 14 years old for any other transaction account.

And you must have an Australian residential address.  

Mastercard® is a registered trademark and the circles design is a trademark of Mastercard International Incorporated.

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