Person with a credit card talking into a smart assistance device

It's easy to join online.


Tell us about yourself

Apply online in minutes for a transaction account with a debit card or a Simple Saver account. You'll need your New Zealand Passport or Driver Licence on hand for verification.

Take a selfie video or login with RealMe.

Use EasyID or RealMe (you need to be RealMe verified) to prove your identity online and we could have your account set-up right away, without the need to come into branch.

Online banking and card PIN

We'll set up your online banking and you can then add a PIN to your new card online.

Add an account

Once you're approved and have your Westpac One® online banking setup, you can easily open an account or apply for a loan or credit card. Just log into Westpac One and click on 'Open/Apply' in the right hand-menu.
Join online

Apply in branch.

Call us to set up an appointment at a branch. Bring along your ID and proof of your address, and we’ll get the ball rolling. Setting up an appointment means you won’t be waiting in a line to see someone at the branch.

Check the list of suitable ID documents.

Why join Westpac?


Bank your way

Whether you prefer to visit us in branch, bank using your mobile when you're on the move, or simply sort your finances online while sitting at home; there's plenty of ways to bank with us.
Ways to bank

Pay with your mobile

Use your smartphone for secure, fast and easy contactless payments with Apple Pay or Google Payᵀᴹ ².
Find out how

24/7 fraud protection

CardGuard® protects your cards and mobile payments, which means you can enjoy round-the-clock protection from fraudulent activity and unauthorised transactions at no extra cost.
How CardGuard protects you

New Zealand's first carbonzero certified bank

We've actively reduced our emissions in line with the Paris agreement, and offset the remainder by purchasing forestry carbon credits, to support the regeneration of native bush across New Zealand.

Our commitments to New Zealand

We're proud sponsors and supporters of a range of important Kiwi institutions including the Rescue Helicopter Service, the Halberg Trust, the Sir Peter Blake Trust plus many more.
Learn more

Need more help? Talk to the experts.

Westpac Financial Advisers

Talk to our qualified financial advisors to build and protect your savings with expert advice. 

Contact a Westpac Financial Adviser

Home Loan Experts

Our experts can come to you, at a time that suits you. They can even approve some loans on the spot.

Talk to a Home Loan Expert

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

EFTPOS Card 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 and Global Currency cards. Customers also need a compatible Apple device.

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.

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

Westpac insurance products are underwritten by various insurance entities. More detail can be found on the webpage relating to the particular product.

Terms, conditions, exclusions and limits apply and more detail can be found in the relevant policy document which may be downloaded at or obtained from any Westpac branch free of charge. The availability of any insurance cover is subject to the acceptance and approval of a completed application. Any claim payment is subject to your claim being accepted.

Transaction and service fees may apply to the use of these accounts. For details, please refer to the Transaction and Service fees brochurealso available free of charge at any Westpac branch.