How we protect you
Our security guarantee
If your Westpac account is compromised as a result of Internet fraud we guarantee to refund any missing funds, providing you comply with our Online Banking Terms and Conditions.
The Terms and Conditions contain all the information you need to be clear on the features, benefits, risks, fees and charges for Online Banking and BPAY®.
Online Banking Terms and Conditions (PDF 128kb) - applicable from 20 March 2013.
Updated 19 June 2014
Like to know more?
Contact us on 1300 655 505 (8am - 8pm, 7 days a week).
Please note our security guarantee is not applicable to Corporate Online Banking.
Westpac Protect SMS code
We have an additional safeguard against fraud for personal customers. Westpac Protect™ SMS code uses your mobile phone to confirm certain transactions via text message when banking online.
It's quick, simple, doesn't interfere with the majority of your day to day banking and offers:
- Increased security, free of charge
- A higher daily limit
- Flexibility to instantly increase your limit online
- Same day 'Pay Anyone' payments to other Westpac accounts
- Alerts to unauthorised activity
- The ability to instantly reset your Westpac Online Banking password online if you've forgotten it.
Registration is quick and easy
Take just 2 minutes to register. Sign in to Online Banking, select 'Administration' then the 'Security' tab and follow the simple step-by-step instructions.
How it works
We'll send a new SMS code via text message to your mobile phone each time you need one. You will enter this code into Online Banking to confirm your transaction.
- Read our Frequently Asked Questions
- Call 1300 655 505 (8am - 8pm, 7 days a week).
We have an additional safeguard against fraud for business and corporate customers. A SecurID® token is a small, portable device that generates a digital security code, which you use with your token password to securely authorise online payments above your nominated daily limit.
For example, if you set your daily limit to be $0 then it is mandatory to authorise all transactions with a SecurID® token.
How much does it cost?
- First 3 tokens - free
- Additional tokens - $5.50 per month
- Replacing lost or stolen tokens - $25.00 each
Security tips for using your token
- Never reveal your token password to anyone
- Keep your token secure - it fits easily into a key ring or neck chain
- If you lose your token, contact us immediately to cancel it or stop it being used
- Treat your token with care - don’t expose it to extreme temperatures.
Where to go for help
- Click the Help icon on any screen when banking online
- Call the Online Banking Service Centre on 1300 655 505 (8am - 8pm, 7 days a week)
- View more details on Business Online SecurID® tokens and Corporate Online SecurID® tokens
- Refer to our Security and Privacy pages for more information and handy tips about banking online.
We've made it even easier for you to protect yourself online with Extended Validation Certificates - an added layer of security. Just look for the green address bar when using compatible browsers so you can be sure you're on a legitimate, secure Westpac site.