Mobile wallets
A mobile wallet is a service that stores banking information securely and allows you to pay with a copy of a debit card[#] that is stored on a device and can tap a device to pay instead of using your physical debit card. Westpac customers who are 14+ and have a debit card can now carry your eligible Westpac cards with your smartphone or wearable. You can make purchases at stores worldwide, at any terminal where contactless payments are accepted.
Trusted digital wallet services include Apple Pay, Google Pay ™ and Samsung Pay™.
Read our mobile wallet FAQs
Online banking and mobile apps
Westpac online banking allows you to sign in through our website or the Westpac App to see how much money is in your account, use the Pay Anyone feature to buy or pay for things, and access other resources to manage your money like our budget tools.
You can also pay others securely using the PayID® feature, which allows you to send and receive money through a connected mobile number.
When you are 14 years old and can have a debit card, the Westpac App also stores a digital version of your card.
Learn more about Westpac Online Banking
Credit cards
In Australia, you must be 18 years or older before you can apply to have a credit card.
While debit cards allow you to access your own money, credit cards give you access to money that you can borrow.
Credit cards have limits (for example $1000), which means you are allowed to borrow up to that amount.
When you use a credit card, you may be charged fees and be required to pay interest – interest is an extra amount of money that the credit card company or bank charges for lending you the money.
Like debit cards, credit cards also have PINs and you must not share them.
Cheques and bank cheques
A cheque is a paper document that asks your bank to take a specific amount of money out of your bank account and transfer it into the account of the person in whose name the cheque has been issued.
On a cheque you write the date, the name of the person or business you are paying, the amount and your signature.
Cheques are becoming less common now that people prefer to pay for things in other ways, but they can be useful when you need to pay someone a larger amount of money and you don’t want to carry that amount of cash around.
You can have your own cheques that you fill in yourself, or you can go into a bank and ask them to prepare a cheque for you – these cheques are called bank cheques.
Learn more about Westpac cheques and bank cheques
Gift cards
A gift card is a card you buy from a business that you can use to pay for things. A gift card needs to be treated as cash and kept in a safe place – if you put $50 on a gift card for your favourite restaurant or store and you lose that card the money you put on it will be gone.
Gift cards, as the name suggests, are usually something we buy for other people as a present to allow them to select and pay for their own gift.
Knowing all of the different ways you can pay for things is an important part of managing your money and keeping it safe.