Experiencing difficulty with credit

If your Westpac account is compromised as a result of Internet fraud, we guarantee to repay any missing funds, providing you comply with our Online Banking Terms and Conditions.

This includes keeping your sign-in details (including passwords, Westpac Protect™ SMS codes and SecurID^® Token codes) private.

The Terms and Conditions explain the features, benefits, risks, fees and charges for Online Banking and BPAY^®.

You must inform us immediately if you suspect the security of your access details has been compromised or you suspect an unauthorised transaction or potentially fraud on your accounts.

How to report suspicious activity

Please report any suspicious activity immediately by calling 132 032 or +612 9155 7700 from overseas anytime.

Even with the best planning, there are many reasons why financial difficulties can arise - sickness, injury, job loss or relationship breakdown can all play a part.

If you have difficulty making payments, the sooner you take action to manage the situation, the easier it is to find a solution.

At Westpac, we encourage customers facing financial difficulty to talk to us as soon as the situation arises. Our team at Westpac Assist will take the time to understand your situation, and provide you with personal assistance to manage your Westpac loans and accounts.

You may also wish to contact an independent financial counsellor as they can help you with:

• Providing free, confidential counselling services
• Exploring options to reduce your debto.asic.gov.au/fido/fido.nsf/byheadline/Financial+counselling?openDocument
• Negotiating on your behalf
• Assisting with a variety of issues from budgeting to debt recovery.

We have listed details of independent financial counselling services you may find useful.   

Independent financial counselling services