Studies all done and dusted? Our Graduate account is designed to help your transition to working full-time with no monthly account fees¹.
A fee-free transaction account
A fee-free debit card
A fee-free savings account
Smart banking features.
Westpac One® online banking
Manage your accounts and cards on the go with Westpac One on your mobile, tablet or computer.
Pay with your mobile
Whether you're paying with your phone or smart watch, we've got a solution for you.
Track your spending
CashNav® is our free money management app that tracks and categorises your spending, along with a range of additional features.
Set up alerts and relax
Stay on top of what's happening with your money by setting up alerts on any Westpac account.
Split your income
Automatically move your regular income into multiple accounts with Salary Splitter.
Block your card
Temporarily block and unblock your card if it's been misplaced using Westpac One online banking.
Fees are subject to change. Service fees may still apply. For example for unarranged overdraft 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). This includes a base interest rate of 13.95% p.a., plus a margin interest rate of 6% p.a. Westpac may change the base rate, replace it with a new base rate or change the margin from time to time. An unarranged overdraft fee of $9 per month will also be charged (see above).
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 AirpointsTM programme to be eligible to earn Airpoints DollarsTM. Airpoints terms and conditions apply.
3 Eligibility criteria, lending criteria and terms and conditions apply to all applications for finance. To apply for a Westpac overdraft you must be over 18 years of age or have a parent or guardian appointed as a co-borrower.
Airpoints™ and Airpoints Dollars™ are registered trademarks of Air New Zealand Limited.
Mastercard® is a registered trademark and the circles design is a trademark of Mastercard International Incorporated.