Homepage Products & services Accounts & cards

Career Starter account.

Finished school? Here's an account with no fees¹ if you're 16-20 years old and have just started to work full-time.

Open an account

What's included:

1

A fee-free transaction account

An Easy Access account with no annual fees or electronic transaction fees¹.
2

A fee-free debit card

Choose either a Debit Mastercard® or Airpoints™ Debit Mastercard² and you won't pay annual fees.
3

A fee-free savings account

With a Westpac Bonus Saver account, you'll get immediate access to your money, earn bonus interest and pay no monthly account maintenance fees¹. Note: You can set this up later in Westpac One® online banking.

Optional extras.

Smart banking features.

Westpac One® online banking

Manage your accounts and cards on the go with Westpac One on your mobile, tablet or computer.

Discover Westpac One

Pay with your mobile

Whether you're paying with your iPhone or smart watch, we've got a solution for you.

Ways to pay

Track your spending

CashNav® is our free money management app that tracks and categorises your spending, along with a range of additional features.

Discover CashNav

Set up alerts and relax

Stay on top of what's happening with your money by setting up alerts on any Westpac account.

Set up alerts

Split your income

Automatically move your regular income into multiple accounts with Salary Splitter.

Set up Salary splitter

Block your card

Temporarily block and unblock your card if it's been misplaced using Westpac One online banking.

Block in Westpac One

Fees.

If you become overdrawn without an arranged limit, the interest rate charged on the overdrawn amount is 19.95% p.a. (calculated on a daily basis). An unarranged overdraft fee will also be charged (see above).

FAQs.

Things you should know.

1 Service fees still apply, for example clearance fees. Refer to the Transaction and Service Fees brochure for details (also available free of charge from any Westpac branch).

2 You must be a member of Air New Zealand’s Airpoints™ programme to be eligible to earn Airpoints Dollars™. Airpoints terms and conditions apply.

3 Lending criteria, terms and conditions apply. To apply for a Westpac overdraft or personal loan you must be over 18 years of age or have a parent or guardian appointed as a co-borrower. 

4 Lending criteria, terms and conditions apply.

5 Eligibility criteria and Lending criteria, terms and conditions apply.

Mastercard is a registered trade mark and the circles design is a trade mark of Mastercard International Incorporated.

iPhone, iTunes, iPad and iPod touch are trade marks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.

Android is a trade mark of Google Inc.