Access Account

This gives you access to real choice: you can bank in branch and online, pay a flat fee each month or per transaction, and save on fees if you have other Westpac accounts.

It's for you if:

  • you prefer to bank in branch
  • you want to choose the way you pay fees
  • you have other accounts or loans with Westpac (this could give you fee savings)

Highlights of the Access Account

  • a low-cost way to bank in branch (and online if you like)
  • choose to pay one convenient 'Flat' monthly fee for electronic and manual transactions, or 'Pay as you go' for each transaction
  • we won't charge you a monthly account maintenance fee if you have $100,000+ total personal banking relationship with us1 (with the flat monthly fee)
  • you can reduce your fees if you have between $25,000 and $99,999 of total personal banking with us
  • set up Salary Splitter for free

More features

  • an ATM/EFTPOS# card (or simply link this account to an existing Westpac card)
  • automatic registration for phone banking and online banking
  • a cheque book if you want one
  • an overdraft (you'll need to apply)
  • a Debit MasterCard®^ to shop online and overseas (you'll need to apply)
  • if you're a superannuitant with your superannuation being paid into this account, there are no monthly account or transaction fees charged
  • we protect your Access Account with Westpac Online Guardian, our online security system. There are no special codes or gadgets to worry about just a single username and password chosen by you
  • set up a 'Sweep' to automatically move money out of your account to keep your transaction account at a certain level, so you always have enough to cover bills etc.
  • set up Salary Splitter which can automatically divide your credits such as wages, across up to six different Westpac accounts
  • set up automatic payments

Fees at a glance

With your Access Account, you can choose how you want to pay. Either a simple 'Flat' monthly fee, or 'Pay as you go' for each transaction you make.

The 'Flat' fee is good for you if:
  • you already have other savings, investments or loans with Westpac (your monthly account maintenance fee could be free, or reduced to just $5 per month)
  • you prefer to know exactly how much you will pay in fees each month
  • you don't want to worry about how many transactions you make each month
'Pay as you go' is good for you if:
  • you make less than 25 transactions per month
  • you don't have any other savings, investments or a home loan with us

Click on the 'Fees' tab for more information.

  • If you choose the 'Pay as you go' option, remember it'll always be slightly cheaper to do online transactions versus banking at the branch. (There's no difference with the Flat fee.)
  • If you use EFTPOS a lot, try to do as much as you can at the same time – like getting cash out when paying for your purchase. That way, you'll only get charged for one transaction.

Flat monthly fee option

With this option, you pay a flat monthly fee that covers all transactions – no matter how many you make. The standard flat fee is $9.95 a month.

And it gets even better if you have other savings, accounts or loans with Westpac. To say thanks for choosing us, we'll reduce your flat fee or waive it altogether, depending on your ‘total personal banking1 with us.

If you have $100,000+ worth of 'total personal banking' with us, we'll waive the monthly fee.

You'll get a reduced flat fee of $5 a month, if you have between $25,000 and $99,999 of total personal banking with us.

Access Account - Flat monthly fee option
Fee exemptions available for superannuitants. Service fees still apply.*
Fee typeTotal business less than $25,000Total business $25,000 - $99,999Total business $100,000 or more
Monthly fee
Covers electronic and manual transactions

Note: Any transactions or balance enquiries made at another bank's ATM will incur an additional $1 charge per transaction.
$9.95 per month
$5 per month

1. Your 'total personal banking' is when you add up:

- the amount of your Westpac Choices home loan, or personal loan (but it doesn't include overdraft limits or credit cards), plus

- any credit (positive) balances on your Westpac savings and transactions accounts, plus

- the amount of any Westpac term deposits or investments you have

The 'total' is calculated each month on the same day as your Westpac Access summary.

For example, if you had a $500,000 home loan, plus $10,000 in a term deposit, you'd have $510,000 and so we'll waive the monthly fee.

'Pay-as-you-go' option

With this option there's no monthly account fee and you pay separately for each transaction you make.

Access Account - Pay as you go fee option
Fee exemptions available for superannuitants. Service fees still apply.*
Fee typeFee amount
Account maintenance fee

Note: Any transactions or balance enquiries made at another bank's ATM will incur an additional $1 charge per transaction. 
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, online and phone banking payments
40c per transaction
Manual transactions
Cheques, Westpac ATM deposits, deposits and withdrawals at a Westpac branch
80c per transaction

Other fees

Some other fees may apply on this account like for international payments or failed payments. See our 'Fees' section for more information.

Fee exemptions

If you're a superannuitant the monthly account maintenance and transaction fees for this account are free if you have your NZ Superannuation paid to your Westpac bank account.