Get the most
from a Westpac
Debitplus™
Visa card.
Debitplus is the convenient way to buy products and
services. You simply use it to access funds in your
normal Westpac account, just like an EFTPOS/ATM
card.
About the card
Debitplus, it’s the easy
way to buy things using
your own money.
But Debitplus offers you some extra advantages.
Unlike an EFTPOS/ATM card, you can use it to make
purchases online, over the phone or overseas. That’s
because your Debitplus card is accepted everywhere
you see the Visa sign.
And although it carries a Visa logo, you can rest
assured that Debitplus is not a credit card. You’ll only be
spending money from your everyday Westpac account.
Six reasons to make Debitplus your main
EFTPOS/ATM card:
1. Access your own money from your everyday
Westpac account.
2. Make everyday purchases via EFTPOS.
3. Get cash from ATMs, just like an ATM card.
4. Use Debitplus everywhere Visa is accepted
– in New Zealand and around the world.
5. Shop online.
6. Shop over the phone.
Westpac Debitplus Visa    3
Convenient ways to use
Debitplus
Everyday purchases via EFTPOS and cash
from ATMs*
A Debitplus card can be used wherever you would normally
use an EFTPOS or ATM card in New Zealand. Whether you’re
withdrawing cash for the weekend or paying for lunch at
a café, your Debitplus card is all you need. Just enter your
PIN and use your Debitplus card like an ordinary EFTPOS/
ATM card, and it will access the money from your everyday
account.
Shop online or by phone
You can use a Debitplus card to pay for purchases over the
internet and phone - wherever Visa is accepted. It’s not a
credit card, but you have the convenience of the worldwide
Visa network to make life easy. So next time you order a pizza
over the phone or book flights online, just use your Debitplus
card.
Accepted all over the world
Debitplus can be used at any ATM overseas wherever you
see the Plus or Visa logo, just like an EFTPOS/ATM card.
And you have the added bonus of using Debitplus at any
retailer around the world that accepts Visa. So you can
get cash from an ATM in France or pay for your hotel in Fiji.
You’ll still be accessing your own money from your everyday
account back home, using the global Visa network. That
includes more than 1 million ATMs and over 24 million retail
outlets around the world**.
Save $8 when you withdraw money overseas
with Global Alliance
The Debitplus card gives you access to the Global Alliance
bank network. This network allows you to withdraw money
around the world at participating Global Alliance ATMs,
without paying the $8 international withdrawal fee. We’ve
listed the banks that belong to the network on a pop-out card
at the back of this brochure, so you can take it with you on
your travels.
4
* Any transactions made at another bank’s ATM will incur an additional
$1 charge each time.
** Foreign currency fees and overseas ATM charges apply.
Using Debitplus
and processing times
NEW ZEALAND
EFTPOS
Select your current
linked account,
CHQ or SAV
➔
Enter
your PIN
➔
Select your current
linked account,
CHQ or SAV
➔
Enter
your PIN
Processing time: these transactions will come out of your account on the
same day or next business day.
OVERSEAS
EFTPOS
Wherever Visa
is accepted
➔
Select
CREDIT
➔
Sign or enter
your PIN
➔
Select
CREDIT
➔
Enter your PIN
ATM
Wherever Visa or
PLUS logo are
displayed
Processing time: these transactions usually take 3-5 working days to
come out of your account.
ONLINE/PHONE/MAIL ORDER
EFTPOS
➔
➔
➔
Select VISA as your card type
Provide your card number and
expiry date
Provide the three digit CVV number on
the back of your card if required
Processing time: these transactions usually take 3-5 working days to
come out of your account.
Use the Debitplus card anywhere Visa is accepted
This includes vending machines and ‘zip-zap’ card
machines in New Zealand and around the world.
You can call us on 0800 888 111 between 7am
and 11pm, 7 days a week for assistance with
your Debitplus card.
Westpac Debitplus Visa    5
How to use the card
ATM
➔
Remember…
You can use the card throughout New Zealand and
around the world to access your everyday account. Your
transactions will show up on your monthly statements, just
like an ordinary EFTPOS or ATM card transaction. If you
have registered for Online Banking, you can also check your
statements online.
Remember, you’re using your own money from your
everyday account whenever you’re purchasing,
withdrawing, ordering online or over the phone. This may
include any pre-arranged overdraft facility in the account.
When you have two accounts linked to the card,
transactions made overseas, online, over the phone and by
mail order will come out of your main account.
6
Visa Entertainment
The Debitplus card also opens the door to Visa
Entertainment. This is a world of special offers and
exclusive promotions, only available to Visa members.
You’ll be able to access offers from the biggest names
in entertainment, including concerts, movies, shows
and touring acts. You can also take advantage of
exclusive deals on hotel packages and resorts. Visa
Entertainment can keep you informed of all the latest
offers via email, and of course you have a great way to
pay for it all, with a Debitplus card.
From the hottest tickets in town to some of the best
offers in home entertainment – the Westpac Debitplus
card is the simple way to pay for these exclusive Visa
Entertainment offers with money from your everyday
account.
Visit www.visaentertainment.co.nz for more details.
Westpac Debitplus Visa    7
Security for you and
your card
Keep your PIN confidential and do not write it down
anywhere. Tell us immediately if you think someone knows
your PIN or your card is lost or stolen. If you’re overseas,
report the loss immediately to any bank showing the
Visa symbol. Or call us collect in New Zealand on
+64 9 914 8026.
Worldwide emergency assistance
As a Visa cardholder, when you’re travelling you have the
assurance of worldwide emergency advice and services.
For details, talk to us or refer to the wallet card in the back
of this guide.
Incorrect or unauthorised transactions
You will not be liable for unauthorised transactions made
with a lost or stolen card once it has been reported,
providing the Debitplus Conditions of Use have been
followed.
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Fees
Fee
Amount
Card Fee
Annual card fee:.................................... $10
The card fee is usually charged within 30
days of the card being issued, then annually
thereafter.
Your standard account transaction
fees still apply. Refer to our
Transactions and Fees brochure in
branch or visit www.westpac.co.nz
Other Bank
ATM
Balance enquiry: .................................... $1
Cash withdrawal: ................................... $1
Transfer: ....................................................... $1
Using a Global
Alliance ATM
overseas
Global Alliance Bank: ................... FREE
(Free cash withdrawals, balance enquiry and
declined transactions. Overseas currency
conversion fee still applies.) We have included
a current list of Global Alliance banks as a
wallet card at the back of this brochure.
Using other
Cash withdrawals: ........................ NZ$8
ATMs overseas Balance enquiry: ................................ 60c
Declined transaction: ...................... 60c
Overseas
Currency
Conversion
2.50% foreign currency transaction
fee is charged when using a
Debitplus card for a foreign
purchase (this includes purchasing
goods over the internet from
overseas websites).
Replacement
Card
$15 charge applies for a
replacement card if your card is lost
or damaged.
Charges are current as at 6 May 2013. All charges are subject to change. For more details
on any of our transaction and service fees please see our Transaction and Service Fees
brochure available from any Westpac branch or call us on 0800 400 600. You can also visit
www.westpac.co.nz to find out more.
Westpac Debitplus Visa    9
Security and fees
Transaction
Fees
Debitplus Visa card
Conditions of Use
These are your Debitplus Visa card Conditions of
Use. Please read these Conditions of Use and then
keep this document in a safe place.
Contents
11 Receiving and signing your card
11 Ownership of your card
11 Selecting your PIN
11 Protecting your card and PIN
12Lost & stolen cards/PINs
12Liabilities
15 Card transaction requirements
17 Card acceptance & limitations
17 Damaged or faulty cards
18Charges
18 Terms & Conditions set by third parties
18 Card cancellation or change
18 Transaction disputes
19 Variations of Conditions of Use
20Definitions
As soon as you sign or use your Westpac Debitplus card
you are deemed to have agreed to the Conditions of Use in
this document.
Under our Conditions of Use you are required to:
• keep your Personal Identification Number (PIN) secure,
• agree that your card is the property of Westpac,
• sign your card as soon as you receive it.
If you have any enquiries about your Westpac Debitplus
card, you can call us between 7am and 11pm, 7 days
a week on 0800 888 111. If you need to write to us, our
address is: Westpac, Private Bag 92503, Wellesley Street,
Auckland.
Please let us know straight away if you change
your address.
10
Receiving and signing your card
When you receive your card you must immediately sign
it. You must not use your card until you have signed
it. You must not send your card overseas or have any
other person send your card to you overseas. Please
contact us to find out about sending a card overseas or
receiving a card while you are overseas.
Ownership of your card
Your card and card number are the property of
Westpac. You must not copy or reproduce the card. If
Westpac tells you to return or destroy your card then
you must do so.
Selecting your PIN
When you are issued with your card, you will be
required to call at a Westpac branch with the card and
two other forms of identification (one of which must
have your signature on it) in order to select a Personal
Identification Number (PIN). Your PIN enables you to use
your card in electronic funds devices such as ATMs and
EFTPOS terminals.
Protecting your card or PIN
For your security, your PIN must not be:
• written down, especially not on the card
• kept in any form with the card, or
• disclosed to any other person, including the Police,
family members or bank staff, or
• negligently or recklessly disclosed. You must ensure
no one can see you enter your PIN at ATMs and
EFTPOS terminals.
Westpac Debitplus Visa    11
Conditions of Use
When you select your PIN, you should choose a
number that you will be able to remember easily as
you must memorise it. You must not choose unsuitable
numbers such as birth dates, months or years, parts
of your telephone number, parts of your card number
or sequential or easily identified numbers (e.g. 2345 or
2222). You must also not use numbers from personal
data such as your driver’s licence or locker number or
other numbers easily connected with you.
You must exercise every possible care to ensure the
safety of your card and to prevent disclosure of your PIN.
You must not allow others to use your card, card number
or PIN. Always get your card back after using it. Do not
leave your card in an unattended wallet, purse or vehicle
or anywhere a thief could remove the card without being
noticed (particularly in night clubs, hotels or restaurants). If
your card is lost or stolen together with your PIN, it can be
used for unauthorised transactions, which may result in a
loss to you.
Lost or stolen cards/PINs
You must notify Westpac immediately if:
• your card is lost or stolen
• your PIN becomes known to someone else
• a record of your PIN is lost or stolen.
You will be required to provide information on how the loss
occurred.
If you are outside New Zealand, please:
• notify a bank which displays the Visa symbol, or
• if you cannot find a bank which displays the Visa symbol,
notify us by calling +64 9 914 8026 collect.
There may be a charge to your account if a replacement
card is required.
You should also be aware of the following conditions
concerning your card:
Liabilities
Liability for losses which result from lost/
stolen cards/PINs
Once you have told us that your card has been lost or
stolen, or your PIN disclosed, either in New Zealand
or overseas, you will not be held responsible for any
unauthorised use of your card after that time, unless you
have acted fraudulently or negligently. You will be liable to
pay no more than $50 of any loss that occurs before you
notify us.
12
However, this $50 limit will not apply if:
• you have failed to reasonably safeguard your card,
• you have kept a written record of your PIN on or with
your card,
• you have kept your PIN in a form that can be readily
identified as a PIN,
• you have selected an unsuitable PIN,
• you have disclosed your PIN to anyone, whether
family or those in apparent authority including bank
staff, or let them use your card,
• you have unreasonably delayed notifying us that
your card has been lost or stolen, or that your PIN has
been disclosed,
• you have failed to take all reasonable steps to
prevent disclosure to any other person when keying
in your PIN,
• you have acted fraudulently or negligently, or
• you have breached these Conditions of Use.
In the above instances, your maximum liability will be the
lesser of:
• the actual loss at the time of notification, or
• the maximum amount that you would have been
entitled to withdraw from your account between the
time your card is lost/stolen and the time you notify
us.
If your card gives you access to an account with a credit
facility (e.g. Choices home loan), failure to look after
your card and PIN could result in a substantial loss for
which you could be held responsible. There may also
be a charge to your account if a replacement card is
required.
Westpac’s liability
Westpac will be responsible for any direct and/or
reasonably foreseeable loss or damage caused by the
failure of either your card or any electronic funds device
(excluding any card or EFT terminal which is obviously
faulty, or in the case of an EFT terminal which has
been advised by message notice or display as being
faulty) to function properly. We will also be liable for any
direct or indirect loss or damage which results from
the fraudulent or negligent acts or omissions of our
employees or agents.
Westpac Debitplus Visa    13
Liability for transactions charged to your account
You are responsible for all transactions made with the use
of your card or card number.
You will be required to pay us the amounts on all:
• cash advance and sales vouchers signed or authorised
by you or another cardholder on your account,
• mail, telephone, internet order or email transactions and
cycle payments authorised by you or another cardholder
on your account,
• EFT transactions carried out on your account using
your card(s) or the card of another cardholder on your
account,
• other transactions authorised by you or another
cardholder on your account and approved by us.
There are risks involved if you or another cardholder on your
account initiate a transaction by mail order, telephone order,
internet or by email. You are giving authority to the Visa
merchant to process an EFT transaction or issue a sales
voucher for the purchase amount which will be debited
to your account. You should consider the security and
standing of the company or entity you are doing business
with. If you or another cardholder on your account initiate
cycle payment transactions, i.e. if you agree with a Visa
merchant that an amount will be debited against your
account on a regular basis, then you are liable for meeting
those transaction amounts even if you close your account.
In certain circumstances your agreement with the merchant
may authorise the debiting of your account with additional
purchase amounts without the need for your signature.
Provided these amounts have been incurred under the
terms of that agreement they may be charged to your
account.
Incorrect or unauthorised transactions
If you think a transaction shown on your statement is
incorrect, you can dispute it, provided you notify us in
writing within 30 days of the statement period closing
date.
14
In some situations, if you do not receive the goods or
services you have ordered with your card or by use of your
card number, or you have not authorised a transaction, you
may be able to get a credit for the transaction.
Card transaction requirements
Use of your card constitutes an irrevocable order to
Westpac, and you may not stop payment of a transaction
made using your card. There are limited circumstances
under which we can reverse a transaction which will be
subject to the rules of the relevant credit card company.
For example, we cannot reverse a transaction where there
is a dispute with a merchant about the quality of goods
and services. We will not be responsible for the goods and
services supplied by any merchant, and any complaints you
have with the merchant must be resolved by you.
Electronic funds transfers will be debited to your account
on the day the transaction is made, or as soon as possible
thereafter, subject to our right to vary the date of debiting
due to circumstances beyond our control.
When you use your card in an electronic funds device other
than a Westpac ATM or branch terminal, the transaction will
be processed as soon as we are notified by the bank that
owns the electronic funds device you used.
When systems are fully operational, the daily transaction
limits for EFT transactions made with your card, subject
to your available credit limit and available funds in your
nominated account(s), are a maximum of:
• $10,000 for EFT transactions from all accounts that can
be accessed by your card, or
• $1,500 for ATM cash withdrawals from any account, or
combination of accounts, that can be accessed by your
card, plus
• other EFT transactions from all accounts that can be
accessed by your card, up to a maximum of $10,000,
less the amount of any ATM cash withdrawals made in
the same day.
Westpac Debitplus Visa    15
You will be obliged to pay any amounts debited to your
accounts which exceed the daily EFT transaction limits. In
addition, there may be a daily limit on the number of EFT
transactions you may make using your Debitplus card.
In respect of off-line funds transfers, any voucher signed
or authorised by you shall be authority for us to process
the transaction to your account. The transaction will be
processed as soon as we receive it.
If you initiate a transaction with your card by mail order,
telephone order or via the internet you are authorising the
Visa merchant to process an EFT transaction or issue
a sales voucher for the purchase amount, which will be
debited to your account. If you initiate cycle payment
transactions (i.e. if you agree with a Visa merchant that an
amount will be debited against your account on a regular
basis), then you are liable for meeting those transaction
amounts even if you close your account.
The acceptance of an electronic funds transfer or an off-line
funds transfer is not a representation by us that you have
sufficient funds in your account to cover the transfer of
funds. Where a transfer overdraws your account, normal
overdraft charges will apply. Details of these charges are
available from any of our branches or by calling us on
0800 888 111.
If an off-line funds transfer is processed to an
account that has been closed or is open and there
are insufficient funds to permit the transaction, we will not
be deemed in any way to have consented to that transfer.
You are liable for meeting the transaction amount.
If you wish to dispute a transaction on your statement, you
may do so. See the section on ‘Transaction disputes’ later
in this booklet.
In addition to these Conditions of Use, the use of your
card is also subject to the conditions which apply to your
account.
Contactless transactions
If your card has contactless technology you may use your
card to make Contactless transactions in New Zealand and
overseas as a Contactless terminal. You will be able to find
a Contactless terminal at any merchant that displays your
card symbol and the relevant contactless symbol.
16
You may be required to enter your PIN or sign to use
your card for Contactless transactions over certain
limits. For New Zealand, the transaction limits can be
found at
www.westpac.co.nz. Different limits apply overseas
and we have no control over these limits.
Card acceptance & limitations
In New Zealand, your card will be accepted in any
electronic funds device or by any merchant displaying
the Visa symbol. Overseas, the card will be accepted by
banks and merchants displaying the Visa symbol and at
any electronic funds device displaying the Visa or Visa
PLUS symbol. However, we will not be held liable if any
bank or merchant either refuses to accept the card or
will not allow the card to be used to purchase particular
types of goods and services available at the premises.
We will not be responsible for the goods and services
supplied by any merchant. Any complaints you have
with the merchant must be resolved by you.
The use of your card for foreign currency transactions
may be subject to exchange controls or other
government requirements.
Visa processes and converts into New Zealand Dollars,
cash advances, purchases and/or charges made in
foreign currencies at the rate(s) of exchange fixed by
Visa.
Transactions made in United States and Australian
Dollars are converted directly into New Zealand Dollars.
Visa converts transactions made in any other foreign
currency into United States Dollars before converting
them into New Zealand Dollars.
A foreign currency fee will be charged by the bank on
any such foreign currency transaction. Details of this
fee are available in our Transaction and Service Fees
brochure which forms part of these Conditions of Use.
Damaged or faulty cards
In the event that your card becomes damaged or faulty,
we will issue you with a new card when you return the
damaged/faulty card to us, together with a description
of how the damage or fault occurred. There may be a
charge to your account for this replacement card.
Westpac Debitplus Visa    17
Charges
Charges that may be incurred and charged to your account
are subject to change, and details of these charges are
available in our Transaction and Service Fees brochure,
which forms part of these Conditions of Use. Charges
include
• annual card charges
• replacement card charges
• urgent replacement card charges
• courier/freight charges for replacement cards
• voucher search charges
• transaction charges
• Government duties or taxes
• using another banks ATM charges
• foreign currency fees.
For full details, see our Transaction and Service Fees
brochure which forms part of these Conditions of Use, call
us on 0800 888 111 or ask at your nearest branch.
Terms & Conditions set by third parties
In addition to these Conditions of Use, the use of your card
in an EFT terminal is subject to the conditions imposed from
time to time by other financial institutions that are parties to
any EFT system.
Card cancellation or change
Westpac may cancel your card at any time without
prior notice. We may also change your card to another
scheme or branded card at any time and, where we
consider it necessary or appropriate, cancel the card
your new card replaces. If you are notified that your card
has been cancelled, you are required to cut your card
in half and return it to any branch. You may cancel your
card by notifying us in writing, cutting the card in half
and returning it to any branch.
Transaction disputes
You are responsible for checking your statements to ensure
their accuracy and advising us of any mistakes, even if you
are not at the address to which you have requested us
to send statements. If you do not notify us of a disputed
transaction within the time period stated below then the
charge or record of the transaction will remain on your
account.
18
If you dispute any transaction recorded in your monthly
statement, you must notify us in writing within 30 days
of the statement period closing date, giving the following
information:
• your name and card number,
• the amount and nature of the disputed transaction,
attaching (if available) a copy of the transaction record or
sales voucher in support of your case,
• details of the EFT terminal (if any) at which the disputed
transaction occurred,
• details of the website (if any) through which the disputed
transaction was initiated,
• the date and approximate time (if known) on which the
disputed transaction occurred,
• details of any formal complaint lodged with the Police.
Once you have notified us of the disputed transaction we
will investigate the matter and acknowledge your complaint
within five days. Failure to report the incorrect, invalid or
unauthorised transaction within 30 days will mean we
cannot reverse the transaction and you will have to pay
for it.
Where it is established that an error did occur (whether it
was the disputed transaction complained of, or not) it will
be corrected, and you will be advised of any appropriate
adjustments which will be made to your account in respect
of credit charges and other charges. If, as a result of our
investigation, we believe the charge or transaction should
remain, we will write to you setting out our reasons and
service charge. If you have followed Westpac’s internal
complaints procedure and you are still not satisfied with the
outcome of the investigation, you may refer the matter to
the Banking Ombudsman. In respect of disputes between
merchants and cardholders, refer to the ‘Card transaction
requirements’ section.
Variation of Conditions of Use
We reserve the right to vary these Conditions of Use at any
time.
Notice of any such changes to these Conditions of Use will
be given at least 14 days in advance in accordance with
the Code of Banking Practice. The Code of Banking
Practice is available at any Westpac branch or online at
www.westpac.co.nz.
Westpac Debitplus Visa    19
Definitions
account
means your nominated Westpac account from which funds
may be withdrawn by using your card.
branch
means any Westpac branch.
branch terminal
means each of the computer terminals installed at the
service counters at our branches.
card
means your Westpac Debitplus card or Debit MasterCard.
contactless terminal
means an EFT terminal which can be used to make
contactless transactions.
contactless transaction
means a transaction made by holding your card close to
the card reader on a contactless terminal without having to
insert or swipe the card.
electronic funds device
in New Zealand, means any Westpac ATMs, any branch
terminals, point of sale terminals or any other automatic
teller machines (ATM) approved by us as a device in which
the card may be used in accordance with these Conditions
of Use within New Zealand. Overseas, electronic funds
device means any electronic funds device displaying the
Visa or Visa Plus symbols.
electronic funds transfer (EFT)
means the process by which funds are withdrawn
electronically from your account. You authorise an
electronic fund transfer by using your card with your
associated PIN at an electronic funds device.
off-line funds transfer
means the process by which funds are withdrawn from your
account when an electronic funds device is out of operation
or a merchant does not have EFT facilities. You authorise an
off-line funds transfer by signing or authorising the issue of
an off-line payment voucher.
20
we, us, our or Westpac
means Westpac New Zealand Limited.
you or your
means the account holder or cardholder, depending on
the context.
Name of Creditor
Westpac on Takutai Square
53 Galway Street
Private Bag 92503
Wellesley Street
Auckland
Definitions
Westpac Debitplus Visa    21
Using the Debitplus card
New Zealand
NZ EFTPOS:Select CHQ or SAV and enter your PIN
NZ ATM: Select CHQ or SAV and enter your PIN
Overseas
Overseas EFTPOS: Select CREDIT and sign or enter your PIN
Overseas ATM:
Select CREDIT and enter your PIN
Online/Phone/Mail Order
• Select VISA as your card type.
• Provide your card number and expiry date.
• Provide the three digit CVV number on the back of your card if
required.
More than 2,300 ATMs throughout Germany, Poland, Spain & Italy.
More than 8,000 ATMs throughout South Africa.
More than 3,000 ATMs throughout France.
More than 1,600 ATMs throughout Australia. ATMs in
Fiji, Vanuatu, Cook Islands, Samoa, Tonga, Papua New
Guinea & Solomon Islands.
More than 16,000
ATMs throughout the USA.
More than 2,500 ATMs throughout Canada, almost
1,000 in Mexico and over 300 in the Caribbean, Peru
and Chile.
More than 3,000 ATMs throughout the UK and 200
throughout Africa (Barclays South Africa not included).
*The $8 international transaction fee saving applies to Westpac cards only and is subject to change. All other
international & standard fees apply including foreign currency conversion fees – refer to the ‘Transaction & Service
Fees’ brochure available from any Westpac branch, or visit our website www.westpac.co.nz for more information.
Alliance banks and their details are subject to change. Debitplus Conditions of Use apply.
You can get a copy of the current disclosure statement for Westpac New Zealand Limited from any
Westpac branch in New Zealand free of charge. For more Information about everyday accounts see
Westpac’s Everyday Account brochure.
Westpac New Zealand Limited.
72801WP-5 04-14
Keep these cards handy.
1. Emergency Assist for New Zealand and
overseas – keep this in your wallet.
2. Global Alliance for overseas – keep this
with your passport.
Westpac Debitplus™
Lost or stolen card
In New Zealand call 0800 888 111 immediately, when overseas call +64
9 914 8026 collect, 24-hours a day, seven days a week, or fax +64 9
622 8063. Alternatively, report the loss to any bank displaying the Visa
symbol.
Worldwide Emergency Travel Assistance
For assistance with medical, legal, travel or NZ diplomatic services call
Visa Emergency Assist
+1 410 581 9994 collect or visit any bank
displaying the Visa symbol. For more
information you’ll find local Visa numbers
listed in phone directories worldwide.
Global Alliance Banks
Save $8 each time
you withdraw cash overseas
Simply use your Westpac credit or debit card at any of the ATMs
belonging to one of these ATM Global Alliance banks in their
respective countries shown. That way, you can avoid the $8
international transaction fee.*
Note, some banks have ATMs in countries other than those
mentioned here, which are not part of the Global Alliance.