What's included:


A fee-free transaction account

An easy-access account with no annual fees or electronic transaction fees².

An optional foreign currency account

A New Zealand bank account that holds money in most major currencies³.


  • No monthly account maintenance fees on your Easy Access account.
  • Free electronic and manual transactions².
  • Discounted foreign exchange rates and a fee free foreign currency account.
  • 24/7 protection against online fraud with Online Guardian.

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 phone 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 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). An unarranged overdraft fee will also be charged (see above).


To qualify for the International Student account you’ll need to:

  • Have a valid student visa.
  • Attend a Westpac approved tertiary institution1.
  • Be studying full-time for six months or longer.
  • Provide evidence of enrolment.
  • Have any regular income (such as wages or lump sum payments from home) paid into your Easy Access account.
  • Complete an application form.

If your application is approved, you’ll need to have any income you earn paid straight into your Easy Access account.

Open an account.

Apply online

If you're overseas, please complete our online application form, and we’ll get back to you as soon as possible.

Apply now

In branch

If you're in New Zealand, make an appointment at any Westpac branch and bring along your passport or drivers licence, a proof of address and evidence of your enrolment in a recognised tertiary institution.

Find a branch

Things you should know.

1 Most New Zealand Universities, Polytechnics and Colleges of Education are approved institutions. If you’re not sure if you qualify, call us on 0800 400 600.

2 Service fees still apply, for example online bill payments. Refer to our Transaction and Service Fees brochure. 

3 Westpac accepts no liability for losses suffered as a result of it converting currencies and any exchange risks from the conversion of currencies is the responsibility of the account/deposit holder. The information on this webpage and terms, conditions and pricing for foreign currency accounts may vary from time to time.

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