Other service fees

Interest rates and fees are current as at 25 January 2021 and are subject to change without notice.

Fee type		Fee amount
ATMs - Fees
Using a Westpac ATM		no fee
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. Note: foreign currency fees also apply (see Debit & Eftpos card fees section).	balance enquiry	NZ$0.60c per transaction
	cash withdrawal using a debit card	NZ$3 per transaction
	Cash withdrawl using a credit card	$2
	declined transaction	NZ$0.60c per transaction

Fee type		Fee amount
Banking on your mobile - Fees
Txt Banking and txt alert charges are as follows. Find out more about Txt Banking here.
Registration		Free, and no monthly fee
Email alerts		Free
Txts you receive		Free
Txts you send:		Txts that you send to Westpac may incur charges from your mobile service provider. Please contact your mobile service provider for details of their fees and charges.

Fee type		Online fee amount	Phone or branch fee amount
Payments - Fees
Automatic payments	to set up	Free	$5
Automatic payments	to amend	Free	$5
Direct debits Direct debit authorities for Westpac Unit Trusts and Retirement Plans are free.	to set up	n/a	$5
	to amend	n/a	$5
Salary Splitter, Sweepover Sweepover has a $0.00 service fee for each sweep.	to set up	n/a	Free
	to amend	n/a	Free

Fee type		Fee amount
EFTPOS & Debit cards - Fees
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.		Free
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)

Dishonour/Payment failed - Fees
Dishonour / AP payment failed fee Foreign cheque dishonours may also incur overseas bank charges. Note: You can sign up for email & text alerts to alert you if an Automatic Payment fails.	$0 per time

Overdraft on personal transaction accounts - Fee type		Fee amount
Overdrafts - Service fees
Service fees are charged monthly on the last business day of the month^. Note: debit interest charges may also apply.
Unarranged overdraft fee This is charged if you go overdrawn by $10 or more without an approved overdraft limit.		$9 per month
Overdraft establishment fee - personal customers only (where applicable)	overdraft establishment fee	$25
	temporary limit up to 45 days	$9 $0 establishment fee, up to and including $100
Overdraft on savings accounts - Fee type		Fee amount
Savings/Call account - Unarranged overdraft fee This is charged if you go overdrawn by $10 or more without an approved overdraft limit.		$9 per month

^ A charge month starts on the last business day of the calendar month and finishes on the second to last business day of the following month.

Fee type	Fee amount
Lending - Service fees
Loan payment failed fee	$10 per failure
Administration fee Recovery of prepayment loss/cost may also apply as per loan agreement. For processing a prepayment to a fixed rate loan	$49 per payment
Security registration/discharge Fee is inclusive of $3 government registration/release fee where applicable. Additional disbursement charges may apply in some circumstances (eg where complexity and/or negotiation of non standard documentation is required) or where no solicitor is involved. Quotation is available on request. Includes such items as discharge of mortgage, release of guarantees/life policies, execution of consents, priorities, variation memorandums that alter security arrangements through acting solicitor, and also collection of life policies under assignment.	$105 per item to a maximum of $350 per customer transaction
Rates demand fee Payable where Westpac is required to make rates payment to local authority as the security holder	$12

Cash handling/deposits - Fees
Cash handling will be charged to Westpac customers when the amount of cash deposited or withdrawn to an account in any charge month^ is $75,000 or more at the following rates (the fee applies to the full amount deposited). Additional costs may apply for special requests such as large coin or cash deposits and withdrawals, and non-Westpac customers.
Banking relationship	Deposit method	Fee amount
Westpac customers	Teller counter	0.35% of the cash amount
Westpac customers	Deposit box	0.25% of the cash amount
Non-Westpac customers	Cash change orders $100 and over and/or cash and cheque deposits for other bank customers, at the teller counter or deposit box:	$15 per time plus usual clearance and cash handling fees

^ A charge month starts on the last business day of the calendar month and finishes on the second to last business day of the following month.

Fee type	Fee amount
Cheques - Fees
Clearance fee No fee is charged if only two items are deposited into a personally held Westpac Access, Westpac Earner, Choices Everyday or Savings account in any charge month. If more than two items are presented, all items will be charged.	35c per cheque or debit item deposited
Bank cheque	$10 per cheque
Stop cheque There is no fee for lost or stolen cheques which are blank or unsigned.	$25 per item

Fee type	Fee amount
Information requests - Fees
Copy of statement	$5 per statement
Copy of credit card sales voucher minimum $20 New Zealand /overseas	$60 per hour
Searches for manual transaction vouchers minimum $20	$60 per hour per search
Searches for information $20 minimum charge. Such as privacy information or auditors' confirmation report	$60 per hour per hour

Fee type		Fee amount
Phone Banking - Fees
Phone Banking		Free

Fee type		Fee amount
International services - Fees
All international service fees are represented in NZD.
Foreign cash - when Westpac sells		1% of value ($10 minimum charge.)
Buy Foreign Cash from Customer		$5 (if amount is over NZD $50)
Cheques sent for collection (Includes courier.)		$50 per cheque
Foreign cheques dishonoured		$30 per cheque Plus overseas bank charges.
Foreign currency accounts
Cash deposits (NZ$35 minimum charge.)		2% of foreign amount
Telegraphic Transfers
TT sent by you	to another bank - staff assisted	$30 per transfer
	to another bank in the Pacific¹ via Westpac One	$0 per transfer Payments to Cook Islands, Tonga, Samoa, American Samoa, Vanuatu, Kiribati, New Caledonia, French Polynesia, Papua New Guinea, Solomon Islands, Tuvalu and Fiji are $0.00 transfer fee via Westpac One. Overseas bank charges will still apply.
	to another bank in the Pacific¹ via Business online	$10 per transfer Payments to Cook Islands, Tonga, Samoa, American Samoa, Vanuatu, Kiribati, New Caledonia, French Polynesia, Papua New Guinea, Solomon Islands, Tuvalu and Fiji are $0.00 transfer fee via Westpac One. Overseas bank charges will still apply.
	to another bank overseas, excluding the Pacific via Westpac One/Business online	$10 per transfer
	per transfer via any other banking channel	$20 per transfer
	to another Westpac foreign currency account	$15 per transfer
TT received by you Other fees and charges may apply depending on the sending bank.	Westpac customer	$15 per transfer
	non-Westpac customer	$25 per transfer
	non-Westpac customer when transfer sent in a foreign currency	$50 per transfer
TT funds transfer enquiry Other overseas bank fees and charges may apply Amendment, Investigation, Trace, Verification, Cancellation		$25 per request