Compared with our Westpac Everyday Account, the Tertiary Account is for people who are studying full time or part time at a university, polytechnic or apprenticeship. Our Career Starter Account is for people between 16 and 20 years old who are either currently employed or going straight into a job. You'll get a different everyday account and overdraft or credit limit, depending on which of the two accounts you have. Your Tertiary or Career Starter Account gives you access to other Westpac products and benefits, like a credit card, an overdraft or personal loan and insurance.

These may include:

  • An interest-free overdraft on your bank account: Up to $2,000 with no establishment fee
  • An Airpoints™, hotpoints® or low interest credit card: With no annual fee for the first year
  • Renters' contents insurance or Vehicle Cover: To cover your belongings and protect yourself against accident liability while flatting, or to insure your vehicle at the level you choose
  • A personal loan: A discounted rate and no establishment fee.