In this guide

  • Review
  • Details
    • Key details
    • Eligibility
  • Key features
  • How to apply
  • Your reviews
  • Ask a question
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Westpac Choice Student Account

Westpac Choice Student
Account keeping fee
ATM withdrawal fee
Overseas ATM withdrawal fee
Overseas transaction fee of transaction value


This account has no account keeping fees for full-time students and offers a Westpac Digital Card, which can be used within the Westpac App 24/7 and comes with a dynamic PIN that changes every 24 hours.

This everyday transaction account has no monthly account keeping fee for full-time students and customers aged under 30.

The Westpac Digital Card, available within the Westpac App, can be used as a digital version of your debit card to make purchases with your phone or wearable device 24/7.

You can access over 3,000 Westpac Group ATMs in Australia for free along with 50,000 global ATMs that are part of Westpac’s Global ATM Alliance.


  • $0 monthly account keeping fee
  • Westpac Digital Card via the Westpac App
  • Access 50,000+ ATMs globally for free with the Global ATM Alliance
  • Get cash without your card using Cardless Cash


  • Overseas ATM fee applies
  • International transaction fee applies

In this guide

  • Review
  • Details
    • Key details
    • Eligibility
  • Key features
  • How to apply
  • Your reviews
  • Ask a question


Key details

Product Name Westpac Choice Student
Monthly account fee $0
Card access Mastercard
Own network ATM fee $0
International ATM Fee $5
International transaction fee 3%
Monthly deposit required to waive account fee N/A
Contactless Payments Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, Garmin Pay


Minimum Age 12
Joint account availability No
Minimum opening deposit N/A
Residency status Have an Australian Residential Address

Key features

Picture not described

No monthly account keeping fee

The normal $5 monthly fee is waived for full-time tertiary students and customers under 30 years old.

Debit Mastercard or Handycard

A Debit Mastercard is issued to all Choice account holders over the age of 14. With this card, purchases can be made all over the world in stores, online and over the phone. The card comes with PayPass so you can make tap-and-go purchases without entering your PIN for transactions under $100.

Customers under the age of 14 can use a Handycard, which allows you to withdraw cash from Westpac ATMs, however does not allow for online purchases.

Westpac Digital Card

You can set up a digital version of your debit card, the Westpac Digital Card, within the Westpac App to make purchases with your phone or wearable device. This card can be used in stores and online 24/7 just like your physical debit card, and is instantly available in the Westpac App after opening your account.

How to apply


You can open an account in five minutes by applying online. Westpac does have some eligibility requirements that you must first meet before your application will be considered:

  • Minimum age. This account is structured to meet the needs of Australian students of any age (12+) who are currently enrolled full-time in a tertiary school.
  • Residency requirements. You must currently be in Australia and possess an Australian residential address. If you are overseas, there is a separate application process to follow.

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December 29, 2021

How do I open an account online?


Alison Banney Finder

January 25, 2022


To open an account online, simply click the ‘Apply now’ option on Westpac’s site and complete the online application form. You’ll need to have some ID handy to verify your identity.





June 29, 2017

Is Westpac Choice student available for exchange student in Australia as well?

Thank you,



May Finder

June 29, 2017

Hi Nutcha,

Thanks for reaching out.

Yes, that’s right. So long that you’re currently in Australia and have an Australian residential address. If you are overseas, there is a separate application process to follow and you may need to get assistance direct from Westpac to apply.



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August 29, 2016


Do you open a USD saving account or it can be only AUD? And if yes what are the fees?

If no, how can I change USD to AUD as a student in your bank? Or I can open a savings account for this currency (10 000$)?



Clarizza Fernandez Finder

August 30, 2016

Hi Oksana,

Thanks for your comment. I have responded to you with some information on the NAB Classic Banking page.


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