WestpacBank account with debit card for Students and young adults
An everyday account packed with features so you can bank your way with ease.
At a glance
- Base rate
- 0.00%
- Monthly fee
- $5
Rates
Every rate Westpac publishes for this account, 2 in all.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Penalty | - | - | - | 15.01% | - | 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… |
| Variable | - | - | - | 0.00% | - | paid every 1 mo; Standard Variable Rate |
Fees
17 fees published, grouped by when they're charged.
While you hold it1
- Account Keeping Fee
You will pay no Account-Keeping Fee as a fulltime student. Other fees may apply.
$5 a month
When you make a transaction13
- Direct Debit
A transfer of funds from your account drawn under a Direct Debit request you gave another person or company.
No fee - PayTo payment
A transfer of funds from your account in accordance with a Payment Agreement you have established with a merchant or Payment Initiator.
No fee - Periodical Payments
An automated transfer that is debited from your account and credited to a specified account on a regular basis on your request. Additional fees apply for Periodical Payments made by Bank Cheque and I…
No fee - Point of Sale (POS) transactions
All transactions conducted at a POS terminal.
No fee - Foreign Transaction Fee (Australian merchant)
2.2% of the $AUD transaction amount where a transaction is made in foreign currency and the merchant or financial institution accepting the card is located in Australia (comprising of 2% Westpac Proc…
2.20% of transaction - Foreign Transaction Fee (Merchant Outside Australia)
3% of the $AUD transaction amount where a transaction is made in foreign currency and the merchant or financial institution accepting the card is located outside Australia (comprising of 2% Westpac P…
3.00% of transaction - Branch staff assisted withdrawal
Includes any withdrawals conducted at a Westpac branch, including cashing of Westpac cheques.
No fee - Cheque Withdrawals
Withdrawals or payments made by cheque. Excludes cashing of a cheque. Only available to customers aged 18 years and over.
No fee - Overseas Withdrawal
Overseas Withdrawal Fee from a Global Alliance Partner ATM (for more information on Global Alliance Partners: Accessing your accounts overseas)
No fee - Overseas Withdrawal
Any successful cash withdrawal made at an overseas ATM. Some overseas banks may also apply a surcharge to cash withdrawals from their ATMs. This should be drawn to your attention before you proceed w…
$5 - Telephone Banking (automated)
Automated Telephone Banking transfer withdrawals
No fee - Telephone Banking (staff assisted)
A Telephone Banking transfer withdrawal assisted by a staff member over the telephone
No fee - Westpac Group Branded ATM - Withdrawal
Any withdrawal made at a Westpac/St.George/Bank of Melbourne/BankSA branded ATM
No fee
When particular things happen3
- Online BankingNo fee
- Overdrawn Fee
Nil for Westpac Choice where an account holder is under 18 years of age.
$15 - Westpac Group Branded ATM - Balance Inquiry
Any balance Inquiry made at a Westpac/St.George/Bank of Melbourne/BankSA branded ATM
No fee
Features
- $0 monthly and withdrawal fees - Account-Keeping Fee (usually $5) is waived for full-time tertiary students and under 41s
- $0 - Account-Keeping Fee (usually $5) is waived for full-time tertiary students and under 41s
- Instant Digital Card - Use your digital card right away, before your physical Debit Mastercard arrives. Add your debit card to your mobile wallet or use it in the Westpac App.
- Budgeting tools - Master your money in the Westpac App with our tools including Savings Finder, Tax Organiser and Budget Planner.
- Exclusive offers - Check out our customer-only discounts and offers, including bonus Cashback on over 4,000 brands with ShopBack.
- Spend&Save with Westpac - You could earn up to 5.95% p.a. variable interest on your first $150000 of savings with a Life Savings and Choice bank account. 18-40 year olds only. T&Cs and exclusions app…
- GET YOUR MOBILE SORTED WITH OPTUS - Exclusive offer for Westpac customers. Not a Westpac customer yet? Open a Choice everyday account first, then get a $39 Prepaid eSIM: Just $13 for the first 28 day…
- Weekly Spend Limit will allow customers to set a limit on their accumulative weekly spend on their Debit Mastercard.
- $0 international transfers when you send foreign currency overseas via Online Banking or the Westpac App. Westpac transfer fees still apply for funds sent in Australian dollars. Receiving bank fees m…
- Click to Pay - Online shopping made quick, simple and secure with Click to Pay.
- Account can be opened via Online, mobile, in branch and telephone.
- No minimum opening balance for this account
Eligibility and limits
- Minimum age 14
- Residency: Those with an Australian residential address and who are currently in Australia.
- Employment: Students or young adults
- The card must be linked to an eligible Westpac account
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Published by Westpac under the Consumer Data Right, last changed by them on 16 Oct 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.