Open a bank account

New to Westpac?

If you have a NZ passport or driver licence or a RealMe verified identity, you can open an account in three simple steps. If you don't have one of these, make an appointment at your local branch, and we’ll help you to open your account in person.

Apply for an account online

    • Wait for your debit card to arrive
    • Pop into a branch with ID and proof of address
      Bring your passport or drivers' license, or other documents for identification, and we'll add a PIN to your card. Then you're all set. More about ID documents

Already a Westpac customer?

Log into Westpac One and open your new account in less than a minute. 

Not registered for Westpac One? Please call 0800 400 600 (7am to 11pm, 7 days a week) today.

Go to Westpac One

Want to open a savings account?

Heads up: if you don't have a Westpac everyday account yet, you'll need to get one before you can open a savings account. Follow the three-step process for new customers above, and once that's set up you can open your savings account in Westpac One online banking.

Just want a debit card?

You'll need to have a Westpac everyday account in order to have a debit card, so follow the new customer process above if you don’t have one yet. If you do have an everyday account, you can order a new debit card through Westpac One.

If you're not registered for Westpac One

If you're a new customer, we'll get you signed up for Westpac One online banking when we complete the process of opening your everyday account. Existing Westpac customers who don't have Westpac One: call us on on 0800 400 600 between 7am to 11pm, 7 days a week) or visit us at any Westpac branch.


You can open a Westpac Everyday Account, an Online Bonus Saver or Simple Saver if you're an existing customer with a Westpac One online banking login (for the savings accounts you will need to have an everyday account first). If you're a new customer or you'd like to open another type of account, we suggest you make an appointment then come in to your local branch with identification so we can open your account for you.

RealMe is an identity verification service provided by the New Zealand Government to securely prove who you are online. Find out more on RealMe and Westpac.

If you can't see the account you'd like to open, it's likely that's because it's an account that needs to be opened in branch - like a Youth account, Graduate Pac or savings PIE account. You can find your local branch with our branch finder - we recommend you call to make an appointment to avoid a wait. Don't forget to bring some identification with you!

If you're looking to open a joint account, both of you will need to head into a Westpac branch with your passport, drivers' licence or other form of ID.

Once you're 16 years old, you can open your own Westpac account. You might like our Westpac Everyday account, which has no transaction and account maintenance fees for under 19s3. You can apply for an everyday account online, or head into a branch with some ID.

If you're under 16, you'll need to get your parent or guardian to open a bank account for you – but from the age of 12 you can have responsibility for the account yourself as long as your parents are okay with that. To open a Youth account like this, go to any Westpac branch with your parent or guardian, and some identification.

Log in to Westpac One, where you can order a new debit card connected to an everyday account you already have, or open a new everyday account with a new debit card that will be mailed to you.

If you don't have a Westpac One login, you can:

  • call us on 0800 400 600 (7am to 11pm, 7 days a week) and we'll sort it out over the phone, or
  • call +64 9 912 8000 if you're overseas (international toll charges apply), or
  • visit us at any Westpac branch.

To open a Youth account, head in branch with some identification for yourself and the child, and we'll get you set up. If you're not a Westpac customer, you'll need to open an account with us first so please bring proof of your address, as well as your ID.

Take a look at the School Leavers account page. We have the Tertiary Pac for people going on to tertiary study, and the Career Pac for people who are going into employment. Both need to be opened in branch.

Take a look at our Graduate Pac. It's designed to help people transition from tertiary study into the workforce. You'll need to head into a branch to open a Graduate Pac account.

A great place to start is our FX, Travel and Migrant section. It will give you essential information about moving to New Zealand, banking in New Zealand and more. You may even be able to open a bank account with Westpac before you arrive in the country; or if you'd like to sign up once you get here, pop into any Westpac branch with identification documents.

You can fill out this online form, and we'll call you back to answer any questions and set up an appointment. Otherwise, call us weekdays 8am-6pm, on 0800 177 188 to set up your appointment to come in branch and open your business account.

In most cases you will need an everyday transaction account before you can get a savings account. Please call us on 0800 400 600 to find out more, or come into branch to discuss your needs.

If you have an everyday transaction account with Westpac, you can open a Simple Saver, Online Bonus Saver or Term Deposit online through Westpac One. For other savings accounts such as PIE savings or Westpac Home Saver, come in branch and we'll open the account for you.

If you don't have a Westpac everyday account yet, you'll need to get one before you can open a savings account. To apply for your everyday account, start by filling out our online application form. Once that's set up, you can open your savings account in Westpac One online banking.

To start using Online Banking you’ll need:

  • a Westpac account
  • a Westpac Customer ID and Online Banking password

To obtain a Westpac Online Banking Customer ID, you'll need to call us first:

  • call us on 0800 400 600, from 7am to 11pm, seven days a week, or on +64 9 912 8000 if you're outside New Zealand (standard call charges will apply)

Once you have your Online Banking Customer ID and Password, you can log in.

Canstar Bank of the year-Everyday Banking
Canstar Bank of the year, Youth Banking