Bank accounts to simplify your spending.
Find your fit.
Easy Transaction Account.
Straightforward, no-fee account for everyday spending.
- No fees
- No minimum deposit
- Earn interest on a linked Easy Saver account#
Offset Transaction Account.
Pay less home loan interest while you spend or save.
- Reduce your home loan interest‡
- Add a card for everyday spending
- Link up to nine offsets to your home loan
What you get with a Bankwest bank account.
An app that keeps you in the know.
See things clearly across accounts
See your favourite account and transactions in a simple dashboard.
Know exactly where you spent
Transaction details that make sense and show where you actually spent.
Custom alerts for what matters to you
Know what’s going on with your money without having to log in.^
Make purchases without using your regular card details.
Helping you spend, worry-free
Use temporary card details so you can spend without sharing your regular card details.
Customise your spending with multi-use virtual card
Nickname your card, set a spend limit and choose an end date to manage multiple purchases, like a holiday or home renovation.
Use it online, in-store and overseas
Add your virtual card to your digital wallet or copy card details to start using it straight away.
Set up in the Bankwest App
Create a single-use or multi-use virtual card in app with any transaction account or credit card.***
Your chance to win $10,000 in travel gift cards.
Create and use your virtual card for an eligible purchase between 23 June and 31 July 2025 and you could go into the draw to win. Terms and conditions apply.§§§
Step 1
Create a single-use or multi-use virtual card.
Step 2
Use your virtual card for an eligible purchase.
Step 3
That’s it! You’re automatically in the draw.
Accounts for at home and away.
No foreign transaction fees
Spend from home or anywhere in the world and we won’t charge you foreign transaction or ATM fees.*†
See your balance in a foreign currency
Switch on multi-currency view in the app to see your balance in a foreign currency.
You get the same foreign exchange rate we get from Mastercard
We don’t mark up or add conversion fees when you use your Bankwest Mastercard overseas.
Manage your card abroad
You can lock and manage your card if it’s lost, stolen or damaged.
A truly digital experience.
Tap and pay straight away
Add your card details to your digital wallet and start spending straight away with Apple, Google or Samsung Pay.
Card details in reach
View your details in the ‘Cards’ tab at any time.
Accounts for over 55s.
Retirement Advantage Account
An everyday bank account that earns interest. Designed for those aged 55 and over.~
Common questions.
- Reminders to deposit money to avoid a monthly maintenance fee
- Know about any overseas transactions on your account as they happen
- Reminders for upcoming scheduled payments and your available balance
- PayPass alerts
- Alerts when your account balance falls below, or reaches, a nominated amount
- Alerts when a payment (like your salary) has been made to your account.
See what you’ve spent at a glance by tapping on a transaction to view the business type, location and contact info.
The Bankwest App puts you in control of your card wherever you are. Get access to your digital card details instantly after opening your account. You can lock or replace your card if you loose it, and monitor account activity with ease.
Spending online or in-store
If you have a Platinum Debit Mastercard, you’ll be able to access all the funds in your account if you select ‘Credit’ – as long as the available balance of the account is above the transaction amount.
If you have a standard debit card (without the chip), you can only use it for EFTPOS payments. It can’t be used for contactless or online payments. Your maximum daily EFTPOS limit is capped at $2,000 and can’t be changed.
Withdrawing cash
You can withdraw cash at Australian and overseas ATMs, Bank@Post and EFTPOS terminals up to a combined amount of $2,000 per day.
Things to consider.
- Apple, the Apple logo and Apple Pay are trademarks of Apple Inc. App Store is a service mark of Apple Inc. Bankwest Apple Pay Terms of Use apply.
- Android, Google Play and the Google Play logo are trademarks of Google LLC. Bankwest Google Pay Terms of Use apply. Google Pay and Google Wallet are trademarks of Google LLC.
- Bankwest Samsung Wallet Terms of Use apply. Samsung and Samsung Wallet are trademarks of Samsung Electronics Co Ltd.
- Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.
# Easy Saver
Must link to an Easy Transaction account. Limit one account per customer – not available for joint accounts.
‡ Offset Transaction Account
Offset Transaction Account must be held in the same name as the loan account. Maximum 40% offset is available with our Complete Fixed and Fixed Rate home loans. Other exclusions apply. Account holders must be 18 years or older. Other fees and charges may apply. Credit interest is not payable on this account. Where a monthly offset fee applies, it will apply to each offset account held. For offset accounts linked to a Fixed Rate Home Loan, no offset fee applies during the fixed term although a $12 monthly loan maintenance fee applies. At the end of the fixed term a monthly offset fee of $10 per offset account will apply.
^ Custom alerts
Custom alerts are available for mobile personal banking accounts on eligible devices in which you have the Bankwest App installed and notifications enabled. Limited alerts only are available for credit products.
* ATM fees
ATM operators may charge a fee. Other fees and charges may apply.
† Foreign transaction fees
Foreign transactions are all transactions effected in foreign currency or occurring outside of Australia whether in foreign currency or Australian dollars including if you are in Australia (for example, online) where the merchant or the financial institution or entity processing the transaction is located overseas. Other fees and charges may apply, including when using overseas ATMs.
~ Retirement Advantage age requirement
For joint accounts, one customer must meet the age requirement.
*** Virtual cards
Eligibility criteria apply. See the Account Access Conditions of Use for your product.
§§§ Virtual cards competition
Virtual card must link to a transaction or credit account. Eligibility criteria apply. Consider the TMD and PDS or T&Cs from Bankwest.
Eligible purchases are defined as transactions made with a Bankwest Virtual Card but exclude cash-out transactions at any merchant, gaming, lottery or gambling transactions; purchases/transactions that are subsequently refunded to the account; and fraudulent transactions.
Settled purchases are defined as transactions that have been finalised by the merchant and posted to your statement. ‘Authorisation Only’ transactions are not fully processed and are considered as pending transactions. The date the transaction settles may differ from the day the purchase/transaction was performed.