Westpac Choice Student Account

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.


Account keeping fee


ATM withdrawal fee


Overseas ATM withdrawal fee


Overseas transaction fee

of transaction value

We’re reader-supported and may be paid when you visit links to partner sites. We don’t compare all products in the market, but we’re working on it!


Product NameWestpac Choice Student
Monthly account fee$0
Card accessMastercard
ATM Withdrawal Fee$0
International ATM Fee$5
International transaction fee3%
Monthly deposit required to waive account feeN/A
Contactless PaymentsGoogle Pay, Apple Pay, Samsung Pay, Fitbit Pay, Garmin Pay

Key features

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.

Ask an expert

To ask a question simply log in via your email or create an account.

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use, Disclaimer & Privacy Policy and Privacy & Cookies Policy.


    Default Gravatar
    December 29, 2021

    How do I open an account online?

      Avatarfinder Customer Care
      January 26, 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.


    Default Gravatar
    June 30, 2017

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

    Thank you,

      Avatarfinder Customer Care
      June 30, 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.


    Default Gravatar
    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$)?


      Avatarfinder Customer Care
      August 30, 2016

      Hi Oksana,

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


Go to site