Other Service Fees.

Interest rates and fees are subject to change.

ATMs - Fees.

Foreign currency fees also apply (see Debit & Eftpos card fees section).

1 These fees do not apply if you use your Westpac card in an ATM belonging to a member of the Global ATM Alliance. The fee saving is subject to change. Global ATM Alliance member banks are subject to change. All other international and standard fees apply, including foreign currency conversion fees – refer to Transaction and Service fees brochure for details. 

Banking on your mobile - Fees.

Txt Banking and txt alert charges are as follows.

Online banking payment - Fees.

Phone or branch payments - Fees.

1 Direct debit authorities for Westpac Unit Trusts and Retirement Plans are free. 

2 Sweepover has a $0.00 service fee for each sweep. 

EFTPOS & debit cards - Fees.

The Westpac PayTag terms and conditions, as well as the terms and conditions relating to any cards or accounts that your Westpac PayTag links to, apply.

A foreign currency fee is charged when you make a purchase or cash withdrawal in a foreign currency, and also applies to any fees and charges charged by the overseas bank or vendor in relation to the transaction. This fee is also charged when you make online purchases in a foreign currency.

These fees do not apply if you use your Westpac card in an ATM belonging to a member of the Global ATM Alliance. The fee saving is subject to change. Global ATM Alliance member banks are subject to change. All other international and standard fees apply, including foreign currency conversion fees – refer to Transaction and Service fees brochure for details.

Fee exemptions
The annual fee is waived for:

  • Customers 19 years and over (fee waived for the first year)
  • Customers under 19 years
  • Customers on a Career Starter Pac, Tertiary Pac or Graduate Pac, for the life of the Pacs
  • SuperGold Card holders (fee waived for the first year).

Dishonour/Payment failed - Fees.

1 Foreign cheque dishonours may also incur overseas bank charges. 

Overdraft on personal transaction accounts.

Service fees are charged monthly on the last business day of the month^.
Note: debit interest charges may also apply.

1 $0 establishment fee, up to and including $100.

^ A charge month starts on the last business day of the calendar month and finishes on the second to last business day of the following month.

Lending - Service Fees.

1 Recovery of prepayment loss/cost may also apply as per loan agreement. 

2 Fee is inclusive of $3 government registration/release fee where applicable. Additional disbursement charges may apply in some circumstances (eg where complexity and/or negotiation of non standard documentation is required) or where no solicitor is involved. Quotation is available on request. 

Cash handling/deposits - Fees.

Cash handling will be charged to Westpac customers when the amount of cash deposited or withdrawn to an account in any charge month^ is $75,000 or more at the following rates (the fee applies to the full amount deposited). Additional costs may apply for special requests such as large coin or cash deposits and withdrawals, and non-Westpac customers.

^ A charge month starts on the last business day of the calendar month and finishes on the second to last business day of the following month.

Cheques - Fees.

1 No fee is charged if only two items are deposited into a personally held Westpac Access, Westpac Earner, Choices Everyday or Savings account in any charge month. If more than two items are presented, all items will be charged. 

2 There is no fee for lost or stolen cheques which are blank or unsigned. 

Information requests - Fees.

1 minimum $20 

2 $20 minimum charge. 

Phone Banking - Fees.

International services - Fees.

All international service fees are represented in NZD.

Foreign currency accounts.

Telegraphic Transfers.

1 Payments to Cook Islands, Tonga, Samoa, American Samoa, Vanuatu, Kiribati, New Caledonia, French Polynesia, Papua New Guinea, Solomon Islands, Tuvalu and Fiji are $0.00 transfer fee via Westpac One. Overseas bank charges will still apply. 

2 Other fees and charges may apply depending on the sending bank. 

3 Other overseas bank fees and charges may apply.