Westpac offers a full range of personal banking products and services, including:

Bonus Saver Savings Account

Transaction accounts

• Advantage Saver Account
• Electronic Transaction Account
• Seniors Account – For pensioners and retirees over the age of 55 years
• Youth Account – For children under the age of 18 years
• Tertiary Student Account – Tertiary Students between the ages of 18 to 23 years
• Personal Cheque Accounts
• Meeting Customer Identification Requirements to open a Westpac Account

• HandyCards
• Visa Debit Cards
• Local Dollar Credit Cards linked to Transactional Accounts
• ATM Interchange

• Secured Personal Loans
• Unsecured Personal Loans
• Personal Overdraft

• Premium Option Home Loan
• Investment Property Loan
• Home or Property Loan Application checklist

• Internet Banking
• Telephone Banking
• ATMs
• EFTPOS services

Bonus Saver Account
Save with Westpac's Bonus Saver Account and receive bonus interest on top of normal interest on your savings. To earn the bonus interest a deposit of at least $1 will have to be made in a month and no withdrawals recorded in the same calendar month. The interest is calculated daily on a per annum rate. A great way to save and reach your savings goals faster!

Transaction accounts
Westpac has a suite of transactional products that are tailored to meet everyone's individual needs. For full details on any of our accounts, Contact us on (679) 132 032, visit your local branch or email westpacfiji@westpac.com.au.

• Advantage Saver Account
  Westpac Fiji offers this transactional account for customers who want an integrated transaction and savings account for their everyday needs. This account is suitable for personal customers who want to receive their regular income in the one account, which they can use as a savings account too. With a HandyCard, you have access to your Advantage Saver account 24 hours–7 days a week via ATMs and EFTPOS. The account can also be used to set Automatic Transfers to other accounts for loan repayments or regular savings. A monthly maintenance fee is charged, while all cheques deposited are free. Withdrawal fees are also charged. Credit interest is paid monthly calculated on daily balance.
• Electronic Transaction Account
  Westpac's Electronic Transaction Account provides customer with the convenience of doing most of your banking from just one account. With a number of free withdrawals, this electronic account is perfect for those that do a high number of transactions and is accessible 24 hours a day through a Handycard at ATMs or EFTPOS, or via Telephone and Internet Banking. Credit interest is paid monthly calculated on daily balance.
• Seniors Account – For pensioners and retirees over the age of 55 years
  The Westpac Seniors Account is an electronic account for anyone aged 55 year and over. With a minimum opening balance of $10, the Seniors Account provides you with the convenience of doing banking with unlimited free electronic transactions, whether it be withdrawing or depositing. Provides our senior citizens with after-hours access to their funds through a Handycard at ATMs or EFTPOS, or via Telephone and Internet Banking. Credit interest is paid monthly calculated on daily balance.
• Youth Account – For children under the age of 18 years
  Are you in primary or secondary school? It's never too early to learn to control your finances. You're at a great age to learn how to conduct smart and informed banking transactions and save. The Westpac Youth Account is designed to teach our future leaders on being financially responsible. With a low opening balance, no monthly maintenance fees, unlimited free deposits and a number of fee-free electronic withdrawals, the Youth account is suitable for teaching school-aged children how to save. A HandyCard may be provided for electronic banking access for children from 14 years and above. Credit interest is paid monthly calculated on daily balance.
• Tertiary Student Account – Tertiary Students between the ages of 18 to 23 years
  The Westpac Tertiary Student Account offers fee-free everyday banking account for tertiary students under the age of 23. With a number of free electronic withdrawals a month, unlimited free deposits and no monthly service fees, the account is designed for students studying and regularly receiving allowances or wages from part-time employment. The account has 24 hours access through a HandyCard at ATMs or EFTPOS, or via Telephone and Internet Banking. Credit interest is paid monthly calculated on daily balance.
• Personal Cheque Accounts
  The Westpac Personal Cheque is a great account for making payments via cheques or everyday transactional banking through an issued HandyCard. The account offers up to two cheque withdrawals or two deposits free. There is also 24-hour access using a HandyCard at ATMs or EFTPOS, or via Telephone Banking and Internet Banking. Depending on eligibility a Visa Debit Card may be linked to the account for international access to your funds.
  
• Meeting Customer Identification Requirements to open a Westpac Account
  To open an account with Westpac, you will need to meet our 100-points Customer Identification process. Your will need to provide two forms of identification, either:
  • Birth Certificate or Passport; and
  • Another photo identification – local Superannuation Card or Driver's License
  There are other forms of identification accepted by Westpac, please enquire at any Westpac Fiji branch or via Telephone Banking on (679) 132 032 or email westpacfiji@westpac.com.au.

For the Youth Account:
• Birth Certificate; and
• Letter from school, or
• If a parent as trustee opening an account for their child:
  • the child's birth certificate; and
  • the authorised signatory (the parent) will have to meet the 100 points identification
For the Tertiary Student Account:
• Birth Certificate or Passport; and
• Valid Student Identification Card from Tertiary institution

• HandyCards
  A Westpac HandyCard is available with all of Westpac's Electronic transactional accounts and the Bonus Saver Account (mainly for electronic deposits). A HandyCard can be used at all Westpac ATMs and EFTPOS and also, at other local Fiji Bank's ATMs that have an Interchange agreement with Westpac.
• Visa Debit Card
  By linking your Westpac Visa Debit Card to your Cheque and/or Savings account, you can enjoy the convenience of accessing your own funds anywhere the Visa logo is displayed – in Fiji or internationally – at ATMS or EFTPOS. In addition, you can access cash 24 hours a day at any ATM displaying the Visa logo. At Westpac ATMs you can make cash withdrawals, deposits, and other transactions any time of the day or night.
• Local Dollar Credit Cards linked to Transactional Accounts
  Westpac American Express® Credit Card (personal) and Westpac American Express® Gold Credit Cards may be linked to your personal electronic transaction accounts held with us, i.e. personal cheque account, advantage saver account, and electronic transaction accounts. This means you may only need One Card (your Westpac Amex card) to access your credit card funds and your own personal account funds in Fiji and the other six Pacific locations Westpac is represented at (i.e. Cook Islands, PNG, Samoa, Solomon Is., Tonga and Vanuatu). Please note this will only be accessible at POS terminals where American Express® Cards are accepted and at any Westpac ATM in the Pacific region.
• ATM Interchange
  Westpac Fiji has ATM interchange agreements in place locally with Colonial National Bank and ANZ bank whereby our customers can use their ATMs in Fiji using our HandyCards, and vice versa. We also have global alliances with international banking partners, which include:
  • Bank of America
  • Barclays
  • BNP Paribas
  • Deutsch Bank
  • ScotiaBank

• Personal Overdraft
  An arranged overdraft facility is really handy for when customers find themselves temporarily strapped for cash. With an overdraft, customers get money when they need it – once arranged it's there to use if and when things get tight. It also manages the borrowing as it suits you, as there are no minimum monthly repayments. An overdraft is a bit like a safety net and can be used to pay for things and get cash at ATMs and EFTPOS. It could also help save money by avoiding late payment charges on bills.

• Application items Checklist
  Proof of Income:
  • Salary – Pay
    • 3 recent payslips
    • Bank statement or passbook showing 2 consecutive payments with detailed salary narrative
    • Letter of employment detailing the mod of employment
  • Rental Income
    • Tenancy Agreement
    • Letter from Real Estate Agent stating the anticipated rental
    • Bank statements covering a 6-month period with detailed narrative confirming the deposit as rent income
  • Self Employed
    • Last years Business/Company Tax Returns (including balance sheet and profit and loss statement)
    • Last two years Personal Tax Returns and Assessment Notices
  • For property purchase:
    • Full copy of Contract of Sale
    • Solicitor/conveyancer contact details (i.e. phone number, address, etc)
    • Means of contribution – anything from this list (FNPF) eligibility letter, Bank balance, if cash contribution, surrender value of life policy, original title of another property if equity contribution
  • For Construction Loans/Owner Builders:
    • Plans
    • Specifications
    • Proof of builder's insurance (Builder's Risk Insurance)
    • Council approval
    • For Construction Loans only: please also provide a Builder's Contract (including the schedule of payments) or building tender signed by all parties and dated
    • For Owner Builders only: please also provide Owner Builder Independent Adviser's Report (including the schedule of payments)
  • If any other debt:
    • Last 12 months – other bank/institution loan statements
    • Copy of Payment card for any hire
  • If any other debt:
    • Last 12 months – other bank/institution loan statements
    • Copy of Payment card for any hire
      

• Internet Banking
  Utilisation of modern electronic banking services is part of an organisation's e-commerce solution and it is the key to maximising potential banking efficiencies such as the timely delivery of management information and the continued automation of labour intensive, value diluting processes. Westpac customers will enjoy the benefits of its online banking product known as Pacific Internet Banking (PIB) - the largest and most comprehensive range of electronic solutions available to meet business requirements.

Some of the features and benefits of the product are as follows:
• Access banking, 24 hours a day, 7 days a week from anywhere in the world
• View balances of accounts and transaction history
• Transfer funds between own accounts
• Transfer funds to any other bank account within Fiji (including non-Westpac bank accounts)
• Ability to pay utility bills
• Printout and export transaction history to own computer
• Request overseas payments (telegraphic transfers)
• Send and receive messages to and from the Bank
• Security features which allow businesses to designate initiator users and authorised users
• Payroll Services
  QuickPay is an easy and secure way to pay your staff from your business account. QuickPay lets you directly credit your employees' bank accounts, whether it's held at Westpac or another bank.
• Merchant Services
  Westpac is the leading provider within the Fijian, Merchant Credit Card market. Westpac can offer an end-to-end card processing solution covering all credit card acceptance options via retail face- to-face, e-commerce and gateway solutions.

Westpac has the electronic capability to acquire all five (5) major credit cards in Fiji via EFTPOS terminals. The major credit cards accepted on Westpac terminals are Amex, Visa, MasterCard, Diners, and JCB cards.
• Westpac's Internet Payment Gateway Service
  The Westpac Internet Payment Gateway (IPG) Service is an e-commerce merchant facility, issued to merchants as a solution for all "card not present" credit card transactions. Westpac has partnered with Direct Payments Solutions (DPS) http://paymentexpress.com a company based in New Zealand for this service.
  
  DPS, Provide a comprehensive range of services to facilitate all aspects of customer online payment processing.

Credit Cards – Westpac American Express® FJD Credit Cards
Westpac offers three types of Westpac American Express Credit Cards to our personal and business customers. Westpac normal lending criteria apply.

• Westpac American Express® Credit Card – for our personal customers. Eligibility criteria include a minimum income of $18,000 per annum. The Credit Card may be linked to a transactional savings and/or cheque account to access locally or within the Pacific region. One supplementary card may be issued to a family member over the age of 18 years
• Westpac American Express® Gold Credit Card – for high net worth customers. Eligibility Criteria include a minimum income of $35,000 per annum. The Gold Credit Card may be linked to a transactional savings and/or cheque account to access locally or within the Pacific region. Supplementary cards may be issued to family members over the age of 18 years
• Westpac American Express® Business Card – for commercial customers needing a card to meet their business needs. Normal business lending criteria applies. Additional cards can be issued for executives of the business with individual limits set on each supplementary card

To apply, simply print the following form, complete and deliver to your local branch.

Contact us or visit your local branch to open a term deposit.


Employee Benefits – Corporate Employee Transaction Account (CETA)
The Corporate Employee Transaction Account offers the employees of an organization with 20 or more staff to take advantage of low cost of products and services offered through Westpac. This includes having a low cost transaction account, and a no fee saving and a high credit interest account giving the individual the incentive to save.

For the organization it provides a safe, secure and convenient method of salary transfer and minimizes cash handling. Concessions and discounts are also available on other products and services.

Insurance Services
Westpac can assist you with all of your insurance requirements. We can provide insurance coverage for Business, Travel, Home & Contents and Motor Vehicles. For more information, contact us or visit your local branch.

Other Services

• Bank Cheques and Foreign Currency Drafts
  In order to facilitate personal and business banking needs Westpac can provide its customers with Fiji dollar bank cheques, plus currency drafts in a wide range of foreign currencies.
• Travellers Cheques
  Westpac can provide customers Travellers Cheques in range of different currencies. In addition, Westpac branches will accept and cash Travellers Cheques.
• Foreign Currency Notes
  Westpac can provide foreign currency notes in the following currencies, AUD, NZD and USD. Contact us or visit your local branch for more information and/or to enquire about the purchase or sale of other currency requirements.

Simply print the following form and take it to your local branch (for details contact us).

Overseas transfer form (PDF 31kb)