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Everyday account.
Manage your everyday spending with no monthly account fees, smart money tools and a debit card ready to use from day one.
Benefits at a glance.
- Open an account online in minutes and get a digital debit card to use from day one.
- No monthly account fees or electronic transaction fees.
- Bank with confidence knowing your accounts are monitored for fraud 24/7.
- Automatically split your pay into spending, bills and savings with Split.
- Bank when and where it suits you with Westpac One® digital banking.
Choose your debit card.
Split.
Life’s easier when your money knows where it's going. Split automatically sorts your pay so you won't mistake ‘bill money’ for ‘fun money’, and you can change it whenever life does.
Smart money tools.
Track your spending
CashNav® is our free money management app that automatically tracks how much money you spend and then categorises what you spend it on.
Set up alerts
You can set up alerts on any Westpac account, to help you to stay on top of what's happening with your money.
Help me budget
Work out a personal budget based on your income and expenditure or review your outgoings.
Open an account.
New to Westpac?
Apply for an everyday transaction account and debit card online in minutes using your New Zealand passport or driver licence.
Already a Westpac customer?
Apply in Westpac One digital banking. If you are not registered for Westpac One, call us on 0800 400 600 and press 6.
Fees.
Fee exemptions are available for customers 65 years and over, superannuitants and under 19 year olds. Service fees still apply.
If you become overdrawn without an arranged limit, the interest rate charged on the overdrawn amount is 19.95% p.a. (calculated on a daily basis). An unarranged overdraft fee will also be charged (see above).
1 The monthly charge cycle date is a consistent date each month selected by the system at account opening, aligned to the monthly statement date, which can be changed to a customers elected date.
Things you should know.
1 Certain purchases and transactions do not earn Airpoints (See the Debit Card Conditions of Use / Credit Card Conditions of Use for full details), including; fees, charges or interest, tax payments (including local council rates and ACC Levies), gambling chips or gambling transactions (including online gambling), cash withdrawals from your account, money orders, traveller's cheques and foreign currencies in cash, and business-related purchases.
Apple Pay and Google Pay are available to eligible Westpac debit and credit Mastercard customers. Customers also need a compatible Apple or Android device.
Apple, Apple Pay, Apple Watch, iPad, iPhone and MacBook Pro are trademarks of Apple Inc., registered in the U.S. and other countries. Google Pay is a trademark of Google LLC.
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 Koru programme to be eligible to earn Airpoints. Airpoints terms and conditions apply – see airnewzealand.com/en-nz/koru/koru-terms-and-conditions for details.
Westpac Everyday is our personal transaction account for everyday spending and is not available for business use.
Airpoints™ and Airpoints Dollars™ are registered trademarks of Air New Zealand Limited
Mastercard® is a registered trademark and the circles design is a trademark of Mastercard International Incorporated.
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.
The Reserve Bank of New Zealand – Te Pūtea Matua Depositor Compensation Scheme (DCS) protects deposits in New Zealand banks and other deposit takers. You may be entitled to a payment under the DCS in some circumstances. Read more information on Depositor Compensation Scheme.