Westpac Life

no memorybrand page reachedtested2026-09-18

1Customer mission
Australian saver, 32, $60k, evaluating Westpac Life
- total rate >= 5.50% p.a. for a 32-year-old making 20 eligible debit purchases/month and gr…
- monthly account-keeping fee = 0 AUD
- age-based bonus balance cap >= 50,000 AUD
- age-based bonus requires <= 25 card purchases/month
2Evidence
0 searches, 2 pages: westpac.com.au
- total rate spend save pct: 5.75% p.a. (0.10% base + 4.90% standard bonus + 0.75% Spend&Save bonus) brand page
- monthly fee aud: 0.00 AUD (Westpac Life account itself; a linked Westpac Choice account, required brand page
- spend save balance cap aud: 150000.00 AUD, whole-balance bonus application method brand page
- spend save min purchases: 20 eligible debit-card purchases/month via linked Westpac Choice Debit Mastercar brand page
3BeliefRequirements met on the evidence found
4DecisionSelectedWestpac LifeWestpac's own Consumer Data Right Product Reference Data (SavLife, retrieved 2026-09-18) and Westpac's public webpages (bank-accounts/savings-accounts/life and .../spend-…

run-0a87ea75

Every option the agent weighed

All four required facts were established from Westpac-published sources and all requirements are met for this saver's profile.

total rate spend save pct: 5.75% p.a. (0.10% base + 4.90% standard bonus + 0.75% Spend&Save bonus) digital-api.westpac.com.au not the brand’s own page
monthly fee aud: 0.00 AUD (Westpac Life account itself; a linked Westpac Choice account, required to be eligible for Spend&Save, carries its own $5 fee with waiver conditions per westpac.com.au) digital-api.westpac.com.au not the brand’s own page
spend save balance cap aud: 150000.00 AUD, whole-balance bonus application method westpac.com.au not the brand’s own page
spend save min purchases: 20 eligible debit-card purchases/month via linked Westpac Choice Debit Mastercard westpac.com.au not the brand’s own page

Tested: part of a frozen experiment with a baseline.

Every journey run on the live web. Every source, belief and decision published. Scorer version 4; model cost 0.07 USD.