1. Your ‘total personal banking’ is when you add up: the amount of your Westpac Choices home loan, or personal loan (but it doesn’t include overdraft limits or credit cards), plus any credit (positive) balances on your Westpac savings and transaction accounts, plus the amount of any Westpac term deposits or investments you have. The 'total' is calculated each month on the same day as your Westpac Access summary. For example, if you had a $500,000 home loan, plus $10,000 in a term deposit, you'd have $510,000 and so we'll waive the monthly fee.
# Westpac's Card Conditions of Use apply.
^ Debit MasterCard Conditions of Use apply.
*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).
The above rates are not available to financial institutions. Details of Westpac’s General Terms and Conditions are available here or free of charge from any Westpac branch in New Zealand.
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