You could get 30 bonus Airpoints Dollars™
with a new Westpac Airpoints Debit Mastercard^.Find out more
Open a Westpac Everyday bank account for your day to day spending. With tools to track your spending and alerts to help you know what's happening, you're in control.
Westpac Everyday - Fees
Fee exemptions available for customers 65 and over, superannuitants and under 19 year olds. Service fees still apply.
Fee type Fee amount Paper statements
$1.50 per statement
Free for electronic statements.
EFTPOS, Westpac ATM transfers and withdrawals, automatic payments once set up (service fee applies to set up or amend), direct debits/credits, bill payments, funds transfers and phone banking payments.
Cheques and withdrawals at a branch.
$2.50 per transaction, capped at $5.00 per month.
|EFTPOS & Debit cards - Fees|
|Fee type||Fee 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|
The annual fee is waived for:
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.
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.
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:
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).
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.
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.
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 Account. 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 Account.