• Earn the same rate of interest for every dollar you save.
  • No monthly account maintenance fee.
  • No minimum balance necessary.
  • Deposit or withdraw money at any time.
  • 24/7 fraud protection with Online Guardian.

Smart money tools.

Split your salary

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

Find out more

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

Save with sweep over

Sweep Over automatically moves money from your transaction account to your Savings account, so you can save faster and have enough in reserve to cover unexpected bills. Set up in branch or call 0800 400 600.

Find your nearest branch



No monthly account or transaction fees charged for under 19 year olds. Fees are subject to change.

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).

Open an account.

New to Westpac?

To apply, call us 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.

Interest is calculated on your daily balance, and is paid (less withholding tax) into your account on the last business day of each month unless otherwise nominated.

Terms, conditions, fees and charges apply to Westpac products and services. See the Westpac General Terms and Conditions for details.