Everyday Banking

An account for your day-to-day spending, a savings account for you or your kids, or an easy-to-use debit or credit card - you’ll find them here, as well as some great tools to help organise and protect your cards and money.

So many banking choices. Let's get started on what you need.

Apply online

Join Westpac with a transaction account and debit card

Get up and running by applying for a Westpac Everyday transaction account and debit card online in a few minutes.

Apply online


24/7 protection for you from fraud

We take your security very seriously. CardGuard® protects your cards and mobile payments against fraud, so relax and enjoy shopping and spending.  

Find out more

CANSTAR 2019 Bank of the Year Everyday Banking


We've won the CANSTAR Bank of the Year Everyday Banking award for the fourth year in a row!

*Manual withdrawal service fees, paper statement fees and 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).

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.