Security

Westpac Added Online Security - FAQs

Which Westpac cards are eligible to register for MasterCard® SecureCode™ and Verified by Visa?

All existing Westpac issued MasterCard (credit and debit cards) and Westpac issued Visa credit cards are eligible to register.

Are Westpac business and commercial cards eligible to register for MasterCard SecureCode and Verified by Visa?

Yes. Existing Westpac business and commercial cardholders can register their cards through Westpac’s Added Online Security registration service.

What if I have more than 1 eligible Westpac credit card or debit card?

We encourage you to register each eligible card that you use to shop online with. You are required to register each card separately.

What if I have an additional cardholder on my account?

If there are multiple cardholders on an account, each cardholder will need to register their card for either MasterCard SecureCode or Verified by Visa.  This applies to Westpac business and commercial cards as well as Westpac personal cards.

What if I have 2 cards linked to 1 account?

Some Westpac credit card accounts, such as Earth and Altitude come with 2 cards linked to 1 account.  Where 1 of these cards is a MasterCard you can register with MasterCard SecureCode. Where 1 of these cards is a Visa card you can register with Verified by Visa. 

What if I don’t wish to use MasterCard SecureCode or Verified by Visa?

Some participating online retailers make it a condition that you register your Westpac MasterCard (credit or debit card) with MasterCard SecureCode and Westpac Visa credit card with Verified by Visa, before completing an online purchase with them, or may request another form of payment if you card is not registered.

To avoid any inconvenience we strongly encourage you to register your card for MasterCard SecureCode.  or Verified by Visa through Westpac’s Added Online Security service as soon as possible.

Will I still be able to dispute unauthorised online purchases?

If you choose to delay registration and make an online purchase without MasterCard SecureCode or Verified by Visa, then yes, you can still dispute any unauthorised transactions as usual.

If you have already registered and made an online purchase using MasterCard SecureCode or Verified by Visa, then yes, you can still dispute any unauthorised transactions as usual.

In either situation, if you suspect fraudulent use of your card, you should contact Westpac immediately.

What if an online retailer doesn’t offer MasterCard SecureCode or Verified by Visa?

If a merchant is not participating in MasterCard SecureCode or Verified by Visa then the usual process for making online purchases will apply.

How do I change my online password, personal assurance message or security question and answer?

To change the details created during the registration process, select the following applicable link MasterCard or VISA

What if I forget my registration details?

If you forget your password when asked to authenticate your purchase, you will have an opportunity to click on the "Forgotten Password?" link where you will be prompted to supply the answer to your previously established security question. You can also do this by visiting www.westpac.com.au/cardsecure.

If you are unable to answer your security question, the Account holder responsible for operating this account should call Westpac on 1300 651 089 (24 hours a day, 7 days a week) for assistance to reset your service after which all cardholders under this account with the same card number will need to re-register to use this service.

What if my card is lost or stolen?

Your registration details will be maintained for your new card.

What if I change my card to another card type?

Your registration details will be maintained if you change to another card type within the same Card Scheme (e.g. both the old and new cards are MasterCard cards or alternatively both the old and new cards are Visa cards).
If however you change to another Card Scheme (e.g. switch from a MasterCard card to a Visa card or vice versa), you will need to re-register your new card.  

What if my card is locked?

If your card becomes locked from purchasing at participating MasterCard SecureCode or Verified by Visa retailers, all cards linked with same card number to this account and are registered to use the Service will also be locked.
The Account holder responsible for operating this account must contact Westpac on 1300 651 089, 24 hours a day, 7days a week to unlock all cards linked to the account before they can register to use the Service again. Once the Account holder has enabled the account, all other cardholders on that account should go to www.westpac.com.au/cardsecure to re-register if you would like to continue using the Service. You may also re-register with a participating online MasterCard SecureCode or Verified by Visa retailer the next time you shop online.

When I register, what does Westpac do with the information I provide?

Westpac safeguards your personal information and does not provide your details to the retailer. Your details are only used by Westpac, MasterCard and Visa for the purpose of providing this service. The information transmitted uses a high level of encryption and is stored on a secure server behind a firewall to protect against unauthorised access.

Do I need to install any special software to use MasterCard SecureCode and Verified by Visa?

You do not need any special software. You can use any computer with an Internet connection and most of the widely recognised internet browsers.

If your computer security settings stops 'pop-up' screens from appearing, you will need to disable this function.  'Pop-up' windows are required, as Westpac pop-up screens will appear, both when you are registering and confirming your purchases at participating retailers.

Please also make sure you enable cookies and JavaScript on your computer.

Things you should know
  • MasterCard® is a registered trademark of MasterCard International Incorporated