Westpac Choice – for migrants

Westpac Choice – for migrants

Fee Free Deposit


Account Keeping Fee


Moving to Australia? Westpac makes it easy to start a new life in Australia with almost 200 years experience.

  • Apply for this account up to 12 months before you arrive
  • Collect your debit card on arrival
  • $0 monthly fee for the first year or if you're a tertiary student
  • Optional linked Online Savings Account

Product details

People from all around the world can feel comfortable moving to Australia with a banking plan already in place. Westpac lets you open your bank account and savings account before you arrive.

Transfer your funds into the account before you arrive and start paying your Australian bills. Plus, as part of the Westpac Global ATM alliance, it could be easy to make trips back home.


To be eligible for this account, you need to be arriving in Australia within the next 12 months.

Product Name
Westpac Choice – for migrants
Monthly Account Fee
Debit Card Access
ATM Withdrawal Fee
$0 account keeping fees for the first year, then a $5 monthly fee applies. Unlimited free withdrawals at St.George, Westpac, BankSA or Bank of Melbourne ATMs in Australia.
Fee Free Deposit p.m.
Overseas ATM Withdrawal Fee
Overseas Eftpos Fee
Phone Banking
Internet Banking

Special offer: $40 cash bonus for customers under 30

New customers under the age of 30 who open a new Westpac Choice Account before 31 March 2020, deposit $500 or more and make at least five eligible purchases within the first 30 days after opening the account will receive a $40 cash bonus. Eligible purchases include purchases made in-store or online plus PayPass and Google Pay transactions. T&C's apply.

What are the features of the Westpac Choice transaction account?

Migrants who are trying to choose a transaction account for their time in Australia should consider various accounts available to them and compare the features to find the one the meets all of their banking needs:

$0 Monthly service fee for the first year, then a $5 monthly fee applies

For the first year after opening their everyday banking account, migrants and immigrants will not be charged a monthly service fee. After that time a $5 monthly fee will be charged to your account. Full time tertiary students can take advantage of no monthly fee for the entire duration of their studies in Australia.

Unlimited transactions

You will not be charged any fee for the following transaction methods: phone and online banking, POS transactions, ATM withdrawals, direct debits, cheque withdrawals, branch withdrawals and periodic payments.

Overseas ATM cash withdrawals

You will be charged $5 for each of these transaction types but will have easy access to your money through over 50,000 ATMs as a part of the Global ATM Alliance. This includes ATMs in the Bank of America, Scotiabank, Barclays Bank, BNP Paribas, Deutsche Bank, ABSA and UkrSibbank networks.

CountryATM Network
New ZealandWestpac NZ
Solomon Islands, Papua New Guinea, Tonga, Samoa, Cook Islands, Vanuatu, FijiWestpac Pacific Banking
Italy, FranceBNP Paribas
Poland, Spain, GermanyDeutsche Bank
Zimbabwe, Zambia, Uganda, Tanzania, Seychelles, Mauritius, Kenya, Ghana, BotswanaBarclays Bank
UK, Portugal and GibraltarBarclays Bank
South AfricaABSA
USABank of America
ChinaBank of Nanjing
SingaporeDBS, POSB
Canada, Chile, Mexico, Peru, Caribbean, JamaicaScotiabank

Foreign currency transactions

If a transaction is made in a foreign country, you will be charged 3.00% of the total amount.

Linked debit Mastercard

Once you arrive in Australia you will be issued a linked debit Mastercard that can be used for all of your buying needs as well as ATM cash withdrawals.

$0 Minimum balance requirement

You are not required to maintain a minimum balance in order to keep this account active.

Personalised assistance

No matter what part of the world you are arriving to Australia from, Westpac branch staff speaks at least 42 languages making it easy for you to communicate your financial needs.

Online and mobile banking available

You can access your Westpac account using online and mobile banking. Note, you'll need to complete an identity check before being able to withdraw funds.

Mastercard Fraud Money-back guarantee

This ensures that any unauthorised transactions are reimbursed, given that you didn't contribute to the loss and you contacted Westpac immediately.

Get cash

You can withdraw money out from an ATM without your debit card at Westpac branded ATMs. Generate a cash code using the Westpac Mobile banking app.

Link with a Westpac savings account

You can link your Westpac Choice account with a savings account from Westpac. You'll then be able to check your balance instantly within a centralised dashboard.

Other services

Westpac also provides migrants with other financial services once they have arrived, such as home loans, credit cards and term deposit accounts.


  • Arrange your banking up to 12 months before you arrive
  • Open two accounts at once using one link
  • Transfer funds to your Australian account when you're ready


  • Need to be moving to Australia to be eligible

How do I apply for the Westpac Choice transaction account?

Future expats and migrants to Australia who find that this account meets their financial needs can open an account as early as one year before their arrival.

Eligibility to apply online


Before you click “Go to Site” to begin the online application you should note that there are eligibility requirements that must be met:

  • Minimum age. All eligible applicants must be at least 12 years old.
  • Residency requirement. You must be arriving to live in Australia within 1 year of applying for this account.
  • Depository requirements. While no opening deposit is required, you will have to make at least one deposit within the first six months after the account has been activated.

Documentation to apply online

If you can meet those terms, than have the following information ready as you start to complete your online application:

  • Visa details. You will need to provide information about your visa type, the type of work you will be doing in Australia and your expected gross annual salary once you arrive.
  • Identification. For the purpose of the online application you will need to provide information from your current driver’s licence or passport, but note that upon arrival to Australia you will need to present yourself in person to complete the application and be able to make withdrawals from the account.

What happens after I submit my online application?

The application only takes a few minutes to complete and submit, after which your account details will be provided to you. Keep in mind that you must make at least one deposit into the account within the first six months, and no withdrawals can be made until you have visited a branch and verified your identity. Your linked debit Mastercard will be issued to you at that time as well.

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2 Responses

  1. Default Gravatar
    YodaFebruary 29, 2016


    I would like to know how to open an bank account in Australia while living overseas. I am an Australian citizen. I don’t plan to be coming to Australia in the near future. Though would like to deposit and access the account whilst I’m overseas.

    Thank you.

    • Avatarfinder Customer Care
      ShirleyFebruary 29, 2016Staff

      Hi Yoda,

      Thanks for your question.

      If you can verify your identity online using your Australian ID then you can open most accounts.

      Please note, if you can’t verify your ID, or if you’re a new customer, most banks in Australia require that you visit their branches to complete this step.

      Alternatively, you can speak to a bank that has ties to an Australian bank to open an account.

      Hope this helps.

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