You could get 30 bonus Airpoints Dollars™
with a new Westpac Airpoints Debit Mastercard^.
Find out more✔ Bank on the go with Westpac One® online banking
✔ 24/7 protection and security with Online Guardian
We also have accounts with perks made to suit kids & teens, students & career starters and graduates.
Fee free electronic banking
Your Westpac Everyday transaction account is fee free1 with no monthly account fees or electronic transaction fees.
Ways to use your bank account
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Track your spending
CashNav lets you track and categorise your spending. You can see where your money is going and better understand how you're spending it. More >
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Set up alerts
Always know what’s going on with your money. Set up an alert when your balance is low, if a payment fails or when your credit card is due. More>
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Split your salary
Salary Splitter automatically splits your salary, sending money to your different accounts (such as spending and saving accounts), without you lifting a finger. More >
Add a debit card.
Connect your account to a debit card to spend online, over the phone or overseas using your own money (not credit).
Features:
- Pay no annual card fee for the first year and if you're under 192 we'll waive it completely.
- Pay with your mobile with Apple Pay or Westpac Pay for Android.
- Earn Airpoints DollarsTM on your day to day spend with NZ's only AirpointsTM Debit Mastercard3.
- Temporarily block or unblock your card using Westpac CardBlocker.
Add a savings account, credit card or overdraft.
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Savings accounts
Adding a savings account could help you save for a car, entertainment, travel or something else. More >
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Credit card
From low rates to a choice of rewards like Airpoints or hotpoints, there’s a Westpac credit card to suit everyone. More >
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Overdrafts
Give yourself a backstop to cover unexpected expenses, gaps between pay days, or to dip into extra funds when you need them. More >
Fees
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.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, funds transfers and phone banking payments.Free
Manual withdrawals
Cheques and withdrawals at a branch.$2.50 per transaction, capped at $5.00 per month.
Manual deposits
Free
| Airpoints Debit Mastercard - Fees | ||
| Fee type | Fee amount | |
|---|---|---|
| Annual fee | $15 per card# | |
| Westpac PayTag Westpac PayTag® has a $4.99 charge when issued or replaced (if lost, stolen or expired) however if you have a Westpac <span>Airpoints™ Debit Mastercard, <span>Westpac <span>Airpoints™ </span>World Mastercard® or a </span></span>Westpac hotpoints® World Mastercard®, the fee is waived. 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. |
Fee waived (usually $4.99) | |
| 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. | 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 | |
#Fee exemptions
The annual fee is waived for:
- Customers 19 years and over (fee waived for the first year)
- Customers under 19 years
- Customers on a Career Starter Pac, Tertiary Pac or Graduate Pac, for the life of the Pacs
- SuperGold Card holders (fee waived for the first year)
| Debit & EFTPOS cards - Fees | ||
| Fee type | Fee amount | |
|---|---|---|
| Annual fee | Westpac ATM/Eftpos card | no fee |
| Westpac Debit MasterCard | $10 per card# | |
| Additional Westpac ATM/EFTPOS card | no fee | |
| Westpac PayTag Westpac PayTag® has a $4.99 charge when issued or replaced (if lost, stolen or expired). 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. Charge applies when issued or replaced (if lost, stolen or expired). |
$4.99 | |
| 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 | |
#Fee exemptions
The annual fee is waived for:
- Customers 19 years and over (fee waived for the first year)
- Customers under 19 years
- Customers on a Career Starter Pac, Tertiary Pac or Graduate Pac, for the life of the Pacs
- SuperGold Card holders (fee waived for the first year)
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.
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:
- call us on 0800 400 600 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.
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).
- For domestic ATM cash withdrawals there is a $3,000 limit per day
- For international ATM cash withdrawals there is a $2,000 limit per day
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.
- For example: If you buy $9,500 worth of jewellery in one day with EFTPOS (as you do), you will only be able to withdraw $500 that day from an ATM machine.
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.
