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.

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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.  

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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!

^Offer ends 31 May 2020 and may be withdrawn or extended at any time without further notice. Available to all new debit card customers who have applied for a Westpac Airpoints™ Debit Mastercard® before 31 May 2020. To qualify for this offer, you must deposit a minimum of $500 per month for the first 3 months into the transaction account linked to your new Airpoints Debit Mastercard. You will also need to make 5 purchases per month on your new Airpoints Debit Mastercard for the first 3 months. Eligible purchases exclude cash withdrawals. You must not currently have or have held a Westpac Airpoints Debit Mastercard in the last 18 months from the date you apply for your new Airpoints Debit Mastercard. See the Debit Card Conditions of Use for full details. Bonus Airpoints Dollars will be paid within 4 weeks after the eligibility criteria has been met. Your Westpac Airpoints™ Debit Card must remain open at the time the bonus Airpoints Dollars™ are paid. You must be a member of Air New Zealand’s Airpoints programme to earn Airpoints. Airpoints terms and conditions apply. Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated. Westpac NZ Limited.

*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.