Benefits.

  • No monthly account or electronic transaction fees.
  • Bank on the go with  Westpac One® online banking.
  • Access your account with an EFTPOS or debit card¹.
  • 24/7 protection and security with Online Guardian.
  • Access to our smart money tools to help you manage your account.

Smart money tools.

Track your spending

CashNav® is our free money management app that automatically tracks how much money you spend and then categorises what you spend it on.

Discover CashNav

Set up alerts

You can set up alerts on any Westpac account, to help you to stay on top of what's happening with your money.

Set up alerts

Split your salary

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

Find out more

Add a debit card.

  • Pay no annual card fee for the first year or if you're under 19 we'll waive it completely.
  • Pay with your mobile with Apple Pay² or Westpac Pay for Android.
  • Earn Airpoints DollarsTM on your day-to-day spend with New Zealand's only AirpointsTM earning Debit Mastercard³.
  • Temporarily block or unblock your card using Westpac One® online banking.

Overdraft.

An overdraft can help to cover unexpected expenses or gaps between pay days, by providing extra funds when needed.
Couple with suitcases preparing for travel

Fees.

Fee exemptions are available for customers 65 years and over, superannuitants and under 19 year olds. Service fees still apply.

EFTPOS cards.

If you don't need to spend online, an EFTPOS card is a good option. It's connected to your transaction account, so when you spend, you're using your own money. It's free to get one, and there's no annual card fee - ever.

Get one in branch

Open an account.

New to Westpac?

Call us on 0800 400 600 to book an appointment at your nearest branch. When you come in, you’ll need to bring some ID, such as your New Zealand passport or your driver licence as well as proof of your address.

Call 0800 400 600

Already a Westpac customer?

Apply via Westpac One® online banking. If you’re not yet registered for Westpac One, call us on 0800 400 600 and press 7.

Apply now

Things you should know.

1 To apply for a Debit Mastercard, you must be 15 years or older. For customers under 18 years old, a parent or guardian must complete a section of the application form and sign to accept the terms and conditions in person at a Westpac branch. Debit Mastercard Conditions of Use apply.

2 Apple Pay is available to all eligible Westpac debit and credit Mastercard customers. Excludes Mastercard BusinessCard, Westpac Business Prepaid Mastercard, hotpoints Visa, hotpoints Gold Visa, hotpoints Portfolio Gold Visa, Prepaid and Global Currency cards. Customers also need a compatible Apple device.

3 Eligible purchases exclude cash withdrawals, payments for cash-equivalents (such as money orders and gambling chips) and business-related purchases. You must be a member of Air New Zealand’s Airpoints programme to be eligible to earn Airpoints Dollars. Airpoints terms and conditions apply – see airnewzealand.co.nz/airpoints-terms-and-conditions for details.

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

Westpac Everyday is our personal transaction account for everyday spending and is not available for business use.

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

The above rates are not available to financial institutions. Details of Westpac’s General Terms and Conditions are available here or free of charge from any Westpac branch.

Apple Pay, Apple Watch, Face ID, iPad, iPhone, MacBook Pro, and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries.

Android is a trade mark of Google Inc.