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Westpac strengthens safeguards against abusive messages sent via payment transactions

9 February 2021

Westpac has announced new measures to make digital banking safer for customers, including giving customers the ability to report abusive messages via online and mobile banking, and blocking inappropriate language from outgoing payments.

The changes have been introduced in response to the growing issue of digital payment channels being used as alternate messaging services to send abuse and threats via the description and reference fields in payment transactions.

Westpac has taken steps to protect both the sender and receiver of payments, including:


Inbound payments

  • Westpac is starting the roll out of a new tool enabling customers to report abuse and harassment received in the payment transaction description.
  • Customers will be able to click a report button within Westpac’s online and mobile banking platforms to have offensive messaging flagged and sent to a dedicated team for review and action.
  • During the review process, Westpac will consider further action against abuse, such as warning the customer or notifying the sender’s financial institution.

Outbound payments

  • Westpac has deployed technology to monitor outgoing payments sent through its online and mobile banking platforms, which blocks certain transactions containing inappropriate or offensive language in real-time.
  • Customers will be notified if their outgoing transaction contains inappropriate language from a set list of terms and have their payment stopped. The language will need to be removed for the payment to be accepted and processed.


Westpac is also conducting advanced data analysis for both inbound and outbound payments to help detect more subtle threats and patterns of abuse in messages. If abusive behaviour is identified, it will be escalated to the support team for response.

Customers not acting in line with Westpac’s policy for acceptable behaviour will be warned and if necessary, exited from the bank.

“It’s shocking that individuals are using real-time payment transactions to harass and threaten others, often circumventing blocks on other channels like SMS and social media to reach the recipient,” Westpac General Manager Customer Solutions, Lisa Pogonoski, said.

“In the past few months, we have detected more than 2,500 transactions containing terms that could be considered inappropriate, ranging from swear words through to domestic violence threats. These were often on low value amounts, with some individuals repeatedly targeted.

“We want to create a safer digital banking experience for our customers and send a clear signal that abusive messages in payment transactions will not be tolerated.

“While the vast majority of customers use our platforms respectfully, these steps will help provide more protection for customers sending and receiving payments through our online and mobile banking channels,” she said.

“The new self-reporting feature will give our customers a tool at their fingertips to flag abuse and threats received via payment transactions. We have established a dedicated team to review these messages, provide confidential support, and take action against abuse.

“The blocks in place for offensive keywords sent via outbound payments, coupled with our advanced data analysis, will add a further line of defence against this behaviour.

“We will be able to use these measures and insights to help us evolve our monitoring capabilities and inform further steps to stamp out abuse on our platforms.

“We want to be clear that we have zero tolerance for this behaviour and will continue to crack-down on individuals who are not using our digital platforms appropriately, including exiting customers,” Ms Pogonoski said.

Westpac research shows that one in two (51%) Australians have received some form of online abuse, including via email, mobile and social media channels. One in four (26%) admit to having used some form of inappropriate language in payment transactions.

Westpac’s keyword detection technology for outgoing payments is now up and running for customers. The self-reporting feature will be rolled out across online and mobile banking channels in the coming weeks following the initial customer pilot.

Further information on the support available for customers experiencing abuse is available here.


For further information:

Mary-Louise Dare

Media Relations


P: 0434 699 605

About the research

The research was commissioned by Westpac and conducted by Lonergan Research in accordance with the ISO 20252 standard. Lonergan Research surveyed 1,039 Australians aged 18+ with surveys distributed throughout Australia including both capital city and non-capital city areas. The survey was conducted online amongst members of a permission-based panel, between 29 January and 1 February 2021. After interviewing, data was weighted to the latest population estimates sourced from the Australian Bureau of Statistics.