Reducing your account costs

Use Online Banking

• it’s free to access
• setting up or amending your automatic payments online is cheaper than doing it at a branch
• paying your bills online costs less than sending a cheque
• with an Electronic Account you can stop your paper statements & you won’t be charged the monthly account maintenance fee.

Phone Banking and ATMs

• with Phone Banking your first five calls each month are free
• it costs $1 to use another bank's ATM, so stick with using Westpac's ATMs.

Save money on bank accounts

• splitting your pay between your accounts using Payline Split reduces the cost of transferring money between your accounts
• avoid using a savings account as an everyday account to reduce transaction and service fees
• close unused or forgotten accounts.

Fee waivers for superannuitants

Eliminate monthly account maintenance and transaction fees*. These fees are waived if you have an eligible Westpac transaction account direct credited with your

• NZ National Superannuation
• UK Retirement Pension
• NZ War Pension.

*Other service fees will still apply

Fee waivers on junior accounts

There's no monthly maintenance and transaction fees on Junior accounts:

• Electronic Account
• Simple Saver
• Online Saver*
• Online Bonus Saver*

*To operate the Online Saver or Online Bonus Saver accounts, you must hold a Westpac Transaction Account.

Each child can have up to two Junior accounts and the fee waiver is valid until they reach 19 years.

Fee waivers for students and graduates

• free electronic and manual transactions and no account maintenance charges for students
• range of free electronic and manual transactions for 12 months after you graduate

Relationship rewards

Do you have over $25,000 total personal business with us? You’ll start paying less for your account operating fees on your Flat-fee Access Account.