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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

School Leavers & Grads

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.
School leaver heading into full-time work or study? Or perhaps you've recently graduated? Check out our three tailored Pacs, for school leavers and graduates.
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Benefits

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  • 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

Monthly Fee

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$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

Electronic Transactions

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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 

Manual Transactions

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$3 per transaction

(Pay-as-you-go): 80c per transaction

(Flat Monthly): Free 

Average monthly balance less than $5,000: 80c per transaction

Average monthly balance $5,000 or more: Free 

Free 

Interest Rates

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0.00% p.a.

0.00% p.a.

0.00% - 2.50% p.a. depending on the balance

0.00% p.a.

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