Debit Mastercard®

A Debit Mastercard is simple and versatile. Use your debit card to shop online, over the phone and overseas using your own money.



Pay with your mobile

Use your smartphone for secure, fast and easy contactless payments with Apple Pay or Westpac Pay for Android. Find out how >


Track your spending

Your debit card links to CashNav, so you can automatically categorise and track your spending. Find out how >


Block your card

Temporarily block your debit or credit card if you misplace it, then unlock it if you find it. Find out how >


Pay no annual fee for the first year

If you're 19 years old or over, we'll waive the annual fee for the first year and if you're under 19, we'll waive the annual fee completely.


Pay no Global ATM fees

Pay no international transaction fees** when you use your card at an ATM of any of our Global ATM Alliance ATMs


Use it anywhere

Around the corner, or around the world, there are 35 million locations around the world where Mastercard is accepted. 



Westpac Debit Mastercard has our lowest debit card annual fee of $10. Pair this up with a Westpac Everyday Transaction account which has fee free electronic banking.

EFTPOS & Debit cards - Fees
Fee typeFee amount
Annual fee Westpac ATM/Eftpos card no fee 
Westpac Debit Mastercard $10 per card#
Airpoints Debit Mastercard $15 per card#
Additional Westpac ATM/EFTPOS card no fee 
Westpac PayTag The Westpac PayTag terms and conditions, as well as the terms and conditions relating to any cards or accounts that your Westpac PayTag links to, apply. 
Replacement card $10 per card
Courier delivery in NZ/Overseas Courier costs where applicable 
Foreign currency fee A foreign currency fee is charged when you make a purchase or cash withdrawal in a foreign currency, and also applies to any fees and charges charged by the overseas bank or vendor in relation to the transaction. This fee is also charged when you make online purchases in a foreign currency. 
Westpac ATM/Eftpos card 1.4% of transaction amount
Westpac Debit Mastercard* 1.4% of transaction amount
Using an ATM overseas These fees do not apply if you use your Westpac card in an ATM belonging to a member of the Global ATM Alliance. The fee saving is subject to change. Global ATM Alliance member banks are subject to change. All other international and standard fees apply, including foreign currency conversion fees – refer to Transaction and Service fees <a href="/assets/Personal/Your-Money-and-Tailored-Packs/Brochures/transaction_service_fees.pdf" target="_blank">brochure</a> for details.
cash withdrawal NZ$3 per transaction
balance enquiry NZ$0.60c per transaction
declined transaction NZ$0.60c per transaction

#Fee exemptions
The annual fee is waived for:

  • Customers 19 years and over (fee waived for the first year)
  • Customers under 19 years
  • Customers on a Career Starter Pac, Tertiary Pac or Graduate Pac, for the life of the Pacs
  • SuperGold Card holders (fee waived for the first year)

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Like an EFTPOS card, a debit card links to one of your transaction accounts – so when you use it, you’re spending money that’s in your account.
And a debit card has some other added benefits: you can use it online, over the phone and overseas – anywhere you can use a credit card. All of our debit cards also come with the added protection of CardGuard™.

You can withdraw up to $800 at a time from an ATM. To get more cash, make two or more withdrawals. (This limit is in place because the machines can't actually dispense more than 40 notes at once).

  • For domestic ATM cash withdrawals there is a $3,000 limit per day
  • For international ATM cash withdrawals there is a $2,000 limit per day

This is to ensure no one can fraudulently empty your account if they discover your PIN number. This includes weekends and holidays.

We also limit your total EFTPOS spending and ATM withdrawals in one day to $10,000. If you've used a Gold, Business or Premium credit card for your EFTPOS purchase your daily limit may be higher. The limit will be dropped a few minutes after midnight.

  • For example: If you buy $9,500 worth of jewellery in one day with EFTPOS (as you do), you will only be able to withdraw $500 that day from an ATM machine.

How can I get around this limit?

The daily limit is in place to protect against fraud, and we cannot switch it off for you.

However, the limit applies to your card rather than your account. So if it's a joint account and the other account holder has their own card, you could ask for their help to double your limit.

To apply for a debit card, 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. If you're under 18, give us a call to make an appointment at your nearest branch.

You can access the money in your everyday account by using your Westpac ATM card at a large number of ATMs.
Look for ATMs that have either a Cirrus or a PLUS logo. (Mastercard uses Cirrus and Visa uses Plus)

If you’re overseas you won’t have to pay the NZ$3 international transaction fee to use ATMs belonging to a member of the Global ATM Alliance*.

 If you're travelling overseas, let us know on 0800 888 111 and we'll make sure you're all set for your trip.

*The NZ$3 international transaction fee saving applies to Westpac only, and is subject to change. Global ATM Alliance banks and their details are subject to change. All other international and standard fees apply including foreign currency conversion fees - refer to the Transaction and Service fees brochure. NOTE: whenever you use your Westpac credit or debit card to withdraw money from overseas ATMs your transactions will incur a foreign currency conversion fee. This is currently 1.4% of the New Zealand converted value of the foreign currency transaction amount. The currency conversion fee will be displayed on your statement.

You can use your debit card online, in-store, on the phone or overseas. It's just like a credit card, but you use your own money (not credit).

Other cards to consider