Westpac Everyday Transaction account

The Westpac Everyday bank account is designed for day-to-day spending. With tools to track your spending and alerts to help you know what's happening, you're in control.

avoid fees

Fee free electronic banking

Your Westpac Everyday transaction account is fee free1 with no monthly account fees or electronic transaction fees.

See our 'fees' for full details.

Ways to use your bank account

Debit Card

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).


  • 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.

Apply online in minutes


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, funds transfers and phone banking payments.
Manual withdrawals
Cheques and withdrawals at a branch.
$2.50 per transaction, capped at $5.00 per month.
Manual deposits Free

EFTPOS & Debit cards - Fees
Fee typeFee 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

#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)

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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.

Canstar Bank of the year-Everyday Banking
Canstar Bank of the year, Youth Banking