Westpac Everyday

Your Westpac Everyday account (previously the Electronic account) is free from monthly account fees, and you won’t pay fees on ATM, EFTPOS, online transactions or manual deposits either.

You can connect your Westpac Everyday account to the card of your choice – debit or EFTPOS. And we’ll help set you up with Westpac One online banking too, so you can access your money whenever you need it.

Credit Cards

Debit or EFTPOS Card?

 

If you apply for your Westpac Everyday account online, you can choose between the Debit Mastercard® or an Airpoints™ Debit Mastercard®. A debit card is super handy, as it can be used it in store, online and overseas. When you make purchases with your debit card, you’ll spend the money you have in your Westpac Everyday account. An annual card fee will apply for your debit card - $10 for the Debit Mastercard®, and $15 for the Airpoints™ Debit Mastercard®. 

If you’d prefer an EFTPOS card for your Westpac Everyday account, call us on 0800 400 600, or visit us in branch

 

mym 65 Plus

Are you 65 or over, a superannuitant or under 19?

Great news. In addition to paying no monthly account fee and no electronic transaction fees, you won't pay for manual withdrawals or paper statements on your Westpac Everyday account either. All you need to do is be 65 years old or older, under 19 years old, or under 65 with your NZ National Superannuation, UK Retirement Pension or NZ War Pension being paid into your Westpac Everyday account.

Choose your extras

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    Online Bonus Saver - your savings account

    Get rewarded with bonus interest when you make one deposit and no withdrawals each month.

    More about Online Bonus Saver
  • savings and budgeting
    CashNav, your free spending tracker app

    CashNav makes budgeting simple and even a bit fun – tracking and categorising your spending so you can see where you may need to rein it in.

    More about CashNav
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    KiwiSaver, for your first home or retirement

    Plan for your future – with up to $500* from the government added to your account each year too.

    More about KiwiSaver
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    A Westpac credit card, for paying later

    From low rates to a choice of rewards such as Airpoints Dollars, there's a Westpac credit card to suit everyone.

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Fees

Here’s what’s free with your Westpac Everyday account

  • Transactions with your debit or EFTPOS card
  • ATM transfers and withdrawals#
  • Automatic payments
  • Direct debits and credits
  • Online and phone banking payments°
  • Online statements
  • Manual deposits
  • Manual withdrawals in branch if you are over 65 or under 19 years old

 

Westpac Everyday - Fees
Fee exemptions available for customers 65 and over, superannuitants and under 19 year olds. Service fees still apply.
Fee typeFee amount
Paper statements $1.50 per statement
Free for electronic statements.
Electronic transactions
EFTPOS, Westpac ATM transfers and withdrawals, automatic payments once set up (service fee applies to set up or amend), direct debits/credits, bill payments, online and phone banking payments, manual deposits.
Free 
Manual withdrawals
Cheques and withdrawals at a branch.
$2.50 per transaction, capped at $5.00 per month.

Airpoints Debit MasterCard - Fees
Fee typeFee amount
Annual fee The first annual fee will be deducted shortly after your application has been made so ensure sufficient funds are available in the linked transaction account.
(also charged on replacement)
$15 per card
Westpac PayTag Your first Westpac PayTag is free. Replacement of lost or stolen PayTags will cost $4.99 each. Expired PayTags are replaced free of charge. 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.
(First issuance and replacement on expiry)
Fee waived (usually $4.99)
Courier delivery in NZ/Overseas Courier costs where applicable 
Foreign currency fee When using your debit card at an ATM or a foreign purchase (this includes purchasing from overseas websites with a foreign currency). 2.50% 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

Debit & EFTPOS cards - Fees
Fee typeFee amount
Annual fee Westpac ATM/Eftpos card no fee 
Westpac Debit MasterCard or DebitPlus Visa* $10 per card
Additional Westpac ATM/Eftpos card no fee 
Replacement card $15 per card
Courier delivery in NZ/Overseas Courier costs where applicable 
Foreign currency fee When you use your Westpac ATM/Eftpos or Debit MasterCard to make an overseas transaction.
Westpac ATM/Eftpos card 2.50% of transaction amount
Westpac Debit MasterCard or DebitPlus Visa* 2.50% 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

*Effective 7 February 2014 DebitPlus Visa is no longer available for new debit card applications. The migration of Visa DebitPLUS to Debit MasterCard is a monthly process that will be ongoing until around 2017. Each month a group of customers whose Visa DebitPLUS cards are due to expire in 60 days time are re-issued with a Debit MasterCard.

 Fee exemptions available for people 65 and over, superannuitants and under 19 year olds. Service fees still apply.

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FAQs

As of June 12, 2018, we renamed the Electronic account to Westpac Everyday, and changed some of its features. You can see those changes on our Legal Statements page.

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™.
Finally, having a debit card gives you the option of our Airpoints™ Debit Mastercard®, where you’ll earn Airpoints on your everyday purchases¹. An annual card fee is charged for a debit card, whilst an EFTPOS card does not have an annual fee.

 

¹Eligible purchases exclude cash withdrawals, payments for cash-equivalents (such as travellers’ cheques, money orders and gambling chips) and business-related purchases. See the Debit Card Conditions of Use for full details of all excluded transactions.

Absolutely. While we no longer automatically issue cheque books with new accounts, just give us a call on 0800 400 600 and we can set you up with one. We will need to check your identity before we can send one out, so have a form of ID handy.

Yes, you can access many banking services through phone banking, such as checking your balance, transferring money between accounts, and paying bills. Just call 0800 172 172, or +64 4 915 6666 from overseas. Learn more about phone banking.

Yes, if you already have a Westpac debit card, you can link it to your new Westpac account. Eligible accounts include Westpac Everyday, Choices Everyday Home Loan Account, Business Transact Account, and Business Interest Account.

If you apply for your Westpac Everyday account online, you can choose between the Debit Mastercard® or an Airpoints™ Debit Mastercard®. A debit card is super handy, as it can be used it in store, online and overseas. When you make purchases with your debit card, you’ll spend the money you have in your Westpac Everyday account. An annual card fee will apply for your debit card - $10 for the Debit Mastercard®, and $15 for the Airpoints™ Debit Mastercard®. If you’d prefer an EFTPOS card for your Westpac Everyday account, call us on 0800 400 600, or visit us in branch.