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Everyday account fees
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All fees are regularly reviewed and subject to change without notice. Some other service fees may apply from time to time.
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| Note: Any transactions made at another bank's ATM will incur an additional $1 charge |
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| Monthly account maintenance fee | | $3.50 a month
(free if printed statements are stopped via Online Banking) |
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Electronic transactions
(EFTPOS, Westpac ATM transfers/withdrawals, automatic payments, direct debits / credits, bill payments, online and phone banking payments) | | Free |
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Manual transactions
(Cheques, ATM deposits, deposits and withdrawals at the branch) | | $3.00 |
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Transaction and service fees are current as at 31 July 2010 and are subject to change.
Some other service fees, including overdrawn or line of credit charges, may apply from time to time. |
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| Note: Any transactions made at another bank's ATM will incur an additional $1 charge. |
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| Monthly account maintenance fee |
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Free |
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Electronic transactions
(EFTPOS, Westpac ATM transfers/withdrawals, automatic payments, direct debits / credits, bill payments, online and phone banking payments) |
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40c |
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Manual transactions
(Cheques, ATM deposits, deposits and withdrawals at the branch) |
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55c |
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| Monthly account maintenance fee |
All for $9.95 per month |
All for $5.00 per month |
All free |
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Electronic transactions
(EFTPOS, Westpac ATM transfers/withdrawals, automatic payments, direct debits / credits, bill payments, online and phone banking payments) |
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Manual transactions
(Cheques, ATM deposits, deposits and withdrawals at the branch) |
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Transaction and service fees are current as at 31 July 2010 and are subject to change.
Some other service fees, including overdrawn or line of credit charges, may apply from time to time. |
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| Note: Any transactions made at another bank's ATM will incur an additional $1 charge. |
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| Monthly account maintenance fee |
$9.95 a month |
Free |
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Electronic transactions
(EFTPOS, Westpac ATM transfers/withdrawals, automatic payments, direct debits / credits, bill payments, online and phone banking payments) |
40c each |
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Manual transactions
(Cheques, ATM deposits, deposits and withdrawals at the branch) |
55c each |
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Transaction and service fees are current as at 31 July 2010 and are subject to change.
Some other service fees may apply from time to time. |
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| Encore has 3 pricing tiers. Which tier applies is based on... |
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your average monthly Encore balance,
or |
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your total personal relationship with us. For example, if your Encore, Choices home loan and term investments are worth more than $40,000, you'll automatically qualify for Tier 2 pricing benefits. |
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Tier 1
Average monthly credit balance under $5,000
OR a total relationship less than $40,000 |
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None |
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$3.50 |
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Tier 2
Average monthly credit balance $5,000 - $9,999.99
OR a total relationship greater than $40,000 |
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20 |
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Free |
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Tier 3
Average monthly credit balance $10,000 and over
OR a total relationship greater than $150,000 |
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45 |
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Free |
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| Note: Any transactions made at another bank's ATM will incur an additional $1 charge. |
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Electronic transactions
(Westpac ATM withdrawals/transfers, EFTPOS, phone banking and Online Banking transfers, bill payments, direct credits/debits, automatic payments) |
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40c |
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Manual transactions
(Cheques, ATM deposits, deposits and withdrawals at the branch) |
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75c |
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Transaction and service fees are current as at 31 July 2010 and are subject to change.
Some other service fees may apply from time to time. |
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| | | Note: Any transactions made at another bank's ATM will incur an additional $1 charge. The term 'free' refers to Westpac fees only. |
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Account maintenance fee
(to keep your Easy Access account open each month) | | Free |  | Electronic transactions
(Westpac ATM withdrawals/transfers, EFTPOS, phone banking and Online Banking transfers, bill payments, direct credits/debits, automatic payments) |
| Free | |
| Phone banking |
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First 5 calls each month are free, then 50c a call |
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Manual transactions
(Cheques, ATM deposits, deposits and withdrawals at the branch.) |
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Free |
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| Overdraft |
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| - approval charge |
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waived |
| - monthly charge |
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$5 |
| - debit interest |
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Interest free to agreed limit |
| - unapproved overdraft fee * |
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$9 a month |
| * Charged on the last business day of the month.
Transaction and service fees are current as at 31 July 2010 and are subject to change.
Some other service fees may apply from time to time. Separate fees apply for Bonus Saver. |
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Account maintenance fee
(to keep your Easy Access account open each month) |
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Waived |
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Electronic transactions
(Westpac ATM withdrawals/transfers, EFTPOS, phone banking and Online Banking transfers, bill payments, direct credit/debits, automatic payments) |
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Free |
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| Foreign Exchange |
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Discounted * |
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| Phone banking |
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First 5 calls each month are free, then 50c a call |
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Using another bank’s ATM
(withdrawals/transfers) |
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$1 each transaction |
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Manual transactions
(Cheques, ATM deposits, deposits and withdrawals at the branch.) |
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Free |
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* 20% on Westpac's foreign exchange income margin. To receive the discount for Inward Telegraphic Transfers, they must be sent directly to Westpac Banking Corporation Wellington, New Zealand and have International Student Pac written in the Bank to Bank field to receive the discount.
Transaction and service fees are current as at 31 July 2010 and are subject to change.
Some other service fees may apply from time to time. Separate fees apply for an Online Saver account. Please note a cheque book is not available on the Easy Access account. |
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Monthly account maintenance fee
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Free |
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Electronic transactions
(Westpac ATM withdrawals/transfers, EFTPOS, phone banking and Online Banking transfers, bill payments, direct credit/debits, automatic payments) |
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Free |
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| Phone banking |
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First 5 calls each month are free, then 50c a call |
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Manual transactions
(Cheques, ATM deposits, deposits and withdrawals at the branch.) |
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Free |
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Graduate overdraft
- application fee
- approval charge
- monthly charge
- Interest
- unapproved overdraft fee*
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Waived
Waived
$5
interest free to agreed limit
$9 a month |
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* Charged on the last business day of the month.
Transaction and service fees are current as at 31 July 2010 and are subject to change.
Some other service fees may apply from time to time. Separate service fees apply for credit cards, a personal loan and a savings account. |
| The information on this page is presented subject to our legal page and any other terms and conditions that Westpac may impose from time to time. It is subject to change without notification. |
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Copyright©2009 Westpac New Zealand Limited |
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