Bank Accounts

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Transaction accounts

We all have our own style when it comes to managing money. Compare our range of everyday accounts – and see what’ll work best for you.

Electronic Account	Access Account	Earner Account	Student & Grad Pacs
Just do all of your banking online, or via Eftpos/ATM – waive your paper statements, and you can bank with no transaction or account fees.	Whether you bank mostly online, or at the branch – either way you’ll save on fees. Plus there are extra benefits if you have other loans or accounts with Westpac.	A transaction account that actually pays you interest (and wipes the fees). As long as you keep an average monthly balance $5,000 or more.	Studying or graduated? Check out our two tailored Pacs, for students and grads.
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Benefits Expand/Collapse
Free electronic transactions (online, ATM, EFTPOS) Great if you prefer banking online, and hardly ever need to step into a branch	Choose either option: Pay-as-you-go: No monthly fee, you just pay for each transaction you make Flat Monthly: A flat monthly fee that covers all transactions - no matter how many you make	Earn interest, calculated daily, on an average monthly balance $5,000 or more No monthly account or transaction fees (if you keep an average monthly balance $5,000 or more)	Low-cost banking for students and grads No monthly account or transaction fees Free upgrade to a Westie Pac, Student Pac, or International Student Pac
	Some Access (Pay-as-you-go) fees reduced, or waived, if you have more than a $25,000 total personal banking with Westpac New Zealand.
Monthly Fee Expand/Collapse
$3.50 per month or Free if printed statements are stopped via Online Banking.	(Pay-as-you-go): Free (Flat Monthly): $0 to $9.95 depending on you total personal banking relationship with us.	Average monthly balance less than $5,000: $9.95 per month Average monthly balance $5,000 or more: Free	Free
	With (Flat Monthly), you pay no transaction fees, and a single flat rate as follows: for total business $100,000 or more = Free for total business $25,000 - $99,999 = $5 per month for total business less than $25,000 = $9.95 per month
Electronic Transactions Expand/Collapse
Free	(Pay-as-you-go): 40c per transaction (Flat Monthly): Free	Average monthly balance less than $5,000: 40c per transaction Average monthly balance $5,000 or more: Free	Free
Electronic transactions include Eftpos, Westpac ATM transfers/withdrawals, automatic payments once set up (service fee applies to set up or amend), direct debits/credits, bill payments, online and phone banking payments	Electronic transactions include Eftpos, Westpac ATM transfers/withdrawals, automatic payments once set up (service fee applies to set up or amend), direct debits/credits, bill payments, online and phone banking payments	Electronic transactions include Eftpos, Westpac ATM transfers/withdrawals, automatic payments once set up (service fee applies to set up or amend), direct debits/credits, bill payments, online and phone banking payments	Electronic transactions include Eftpos, Westpac ATM transfers/withdrawals, automatic payments once set up (service fee applies to set up or amend), direct debits/credits, bill payments, online and phone banking payments
Manual Transactions Expand/Collapse
$3 per transaction	(Pay-as-you-go): 55c per transaction (Flat Monthly): Free	Average monthly balance less than $5,000: 55c per transaction Average monthly balance $5,000 or more: Free	Free
Manual transactions include Cheques, Westpac ATM deposits, deposits and withdrawals at a branch	Manual transactions include Cheques, Westpac ATM deposits, deposits and withdrawals at a branch	Manual transactions include Cheques, Westpac ATM deposits, deposits and withdrawals at a branch	Manual transactions include Cheques, Westpac ATM deposits, deposits and withdrawals at a branch
Interest Rates Expand/Collapse
0.00% p.a.	0.00% p.a.	0.00% - 2.50% p.a. depending on the balance	0.00% p.a.
		The interest rate changes depending on your average monthly balance: $0-$4,999: 0.00% p.a. $5,000-$19,999: 0.75% p.a. $20,000-$49,999: 0.75% p.a. $50,000-$99,999: 1.75% p.a. $100,000+: 2.50% p.a.
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