No monthly account maintenance fee, and no fees on EFTPOS, ATM or online transactions1.
Access your money anytime with Westpac One online banking.
There are loads of tools you can use to make it easier and faster to manage your money.
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.
Get rewarded with bonus interest by increasing your balance by $20 each month*
More about Westpac Bonus SaverUse our tools to make it easier and faster to manage your money
More about everyday tools*You can earn bonus interest as long as on the last business day of the month your balance is $20 greater that the last business day of the month prior. The $20 excludes interest earned on the account and/or Westpac fees charged to the account.
Plan for your future – with up to $5003 from the government added to your account each year too.
More about KiwisaverFrom low rates to a choice of rewards such as Airpoints Dollars, there's a Westpac credit card to suit everyone
More about Westpac credit cardsHere’s what’s free with your Westpac Everyday account
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:
| 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:
Fee exemptions available for people 65 and over, superannuitants and under 19 year olds. Service fees still apply.
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 purchases 5. A debit card unlike an EFTPOS card has an annual fee, however the annual fee is waived for customers under 19 years and for customers 19 years and over the fee is waived for the first year.
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 ($10 for the Debit Mastercard®, and $15 for the Airpoints™ Debit Mastercard®) is waived for customers under 19 years. For customers 19 years and over, the annual card fee is waived for the first year. If you’d prefer an EFTPOS card for your Westpac Everyday account, call us on 0800 400 600, or visit us in branch.
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:
To start using Online Banking you’ll need:
To obtain a Westpac Online Banking Customer ID, you'll need to call us first:
Once you have your Online Banking Customer ID and Password, you can log in.
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.
