Westpac Choice for concession holders
$0 monthly fee
An everyday bank account with debit card and no monthly fees. For customers who hold a Concession or Health Care card, receive benefit payments, or low or no income earners.
- Overseas spending fee
- 3%
- Overseas ATM fee
- $5
- Digital wallets
- Apple, Google, Samsung
Monthly fee
Features
- Debit card
- Yes
- Apple, Google or Samsung Pay
- Apple Pay, Google Pay, Samsung Pay
- PayID
- Yes
- Overdraft available
- Not listed
Who can open it
- Age to open
- 14 and over
Who it's for
- Those holding a valid Concession or Health Care card, receive an Australian Government benefit payment or be a low or no income earner.
Limits and conditions
- The card must be linked to an eligible Westpac account.
How it compares
Against the other everyday accounts we compare. Typical means the middle half of them.
Monthly fee
None
Most accounts that say charge none.
Overseas spending fee
3%
Of what you spend in another currency. Typical is 3%.
Overseas ATM fee
$5
Each time you take cash out overseas. Typical is $5.
Pros and cons
Pros
- No monthly fee. Keeping the account costs nothing, whatever you deposit.
- PayID. People can pay you with your phone number or email instead of a BSB and account number.
- Phone payments. Works with Apple Pay, Google Pay and Samsung Pay, so you can pay with your phone or watch.
Cons
Nothing stands out.
Similar accounts
Everyday accounts from other banks with similar fees.
- Monthly fee
- None
- Overseas spending fee
- 3%
- Monthly fee
- None
- Overseas spending fee
- 3%
- Monthly fee
- None
- Overseas spending fee
- 3%
