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Benefits.
- No monthly account or electronic transaction fees.
- Bank on the go with Westpac One® online banking.
- Access to our smart money tools to help you manage your account.
- Access your account with an EFTPOS or debit card¹.
- 24/7 protection and security with Online Guardian.
Cashback Wednesdays.
Your daily bus, train or ferry trip just got a little more exciting, with cashback for travel on Auckland public transport! Use your Westpac debit or credit Mastercard to tap on and off public transport in Auckland on any Wednesday in March, and you'll get your daily fare back, up to $10*.
*Eligible Westpac Mastercard debit and credit cards only. Lending and eligibility criteria, and other Terms and Conditions apply. Conditions of use for the applicable card applies.
Smart money tools.
Track your spending
CashNav® is our free money management app that automatically tracks how much money you spend and then categorises what you spend it on.
Set up alerts
You can set up alerts on any Westpac account, to help you to stay on top of what's happening with your money.
Help me budget
Work out a personal budget based on your income and expenditure or review your outgoings.
Add a debit card.
- No annual card fee for the first year (removed totally for under 19's).
- New Zealand's only Airpoints™ earning Debit Mastercard®³.
- Add to Apple Pay and Google Pay™ straight away, even before your new card arrives in the mail.
- Temporarily block or unblock your card in online banking.
Overdraft.
Earn Airpoints Dollars.
Get New Zealand’s only Airpoints earning debit card, and you’ll earn Airpoints Dollars every time you spend with it⁴.
Feel $50 better off.
Open a transaction account, add a debit card, tap 5 times and get $50.*
*T&C's apply.
Fees.
| Fee type | Fee amount | Frequency |
| Electronic statements | Free | |
| Paper statements | $1.35 | Per statement |
| Electronic transactions EFTPOS, Westpac ATM transfers and withdrawals, automatic payments once set up (service fee applies to set up or amend), direct debits/credits, bill payments, funds transfers and phone banking payments. | Free | |
| Manual withdrawals Withdrawals at a branch. | $2.50 Up to a maximum of $5 per monthly charge cycle1. | Per transaction |
| Manual deposits | Free | |
| Unarranged overdraft This will be charged if your account is overdrawn by $10 or more without an approved limit. | $9 | Per month |
Fee exemptions are available for customers 65 years and over, superannuitants and under 19 year olds. Service fees still apply.
If you become overdrawn without an arranged limit, the interest rate charged on the overdrawn amount is 19.95% p.a. (calculated on a daily basis). An unarranged overdraft fee will also be charged (see above).
1 The monthly charge cycle date is a consistent date each month selected by the system at account opening, aligned to the monthly statement date, which can be changed to a customers elected date.
EFTPOS cards.
If you don't need to spend online, an EFTPOS card is a good option. It's connected to your transaction account, so when you spend, you're using your own money. It's free to get one, and there's no annual card fee.
Open an account.
New to Westpac?
You can apply online in minutes for a transaction account and debit card. Have your NZ Passport or Driver Licence on hand for verification.
Already a Westpac customer?
Apply via Westpac One® online banking. If you’re not yet registered for Westpac One, call us on 0800 400 600 and press 6.
Things you should know.
1 To apply for a Debit Mastercard, you must be 15 years or older. For customers under 18 years old, a parent or guardian must complete a section of the application form and sign to accept the terms and conditions in person at a Westpac branch. Debit Mastercard Conditions of Use apply.
2 Apple Pay and Google Pay are available to eligible Westpac debit and credit Mastercard customers. Customers also need a compatible Apple or Android device.
Apple, Apple Pay, Apple Watch, iPad, iPhone and MacBook Pro are trademarks of Apple Inc., registered in the U.S. and other countries. Google Pay is a trademark of Google LLC.
3 Eligible purchases exclude cash withdrawals, payments for cash-equivalents (such as money orders and gambling chips) and business-related purchases. You must be a member of Air New Zealand’s Airpoints programme to be eligible to earn Airpoints Dollars. Airpoints terms and conditions apply – see airnewzealand.co.nz/airpoints-terms-and-conditions for details.
4 You must be a member of Air New Zealand’s Airpoints™ programme to earn Airpoints. Airpoints terms and conditions apply.
5 EFTPOS Card Conditions of Use apply.
Westpac Everyday is our personal transaction account for everyday spending and is not available for business use.
Airpoints™ and Airpoints Dollars™ are registered trademarks of Air New Zealand Limited
Apple and Apple Pay are trademarks of Apple Inc., registered in the U.S. and other countries.
Google Pay is a trademark of Google LLC.
Mastercard® is a registered trademark and the circles design is a trademark of Mastercard International Incorporated.
The above rates are not available to financial institutions. Details of Westpac’s General Terms and Conditions are available here or free of charge from any Westpac branch.