Business Debit Card
Keep track of business purchases and cash withdrawals, with a debit card linked to your business bank account.
What are the benefits of a business debit card?
- Use a debit card linked to your business bank account to deposit and withdraw funds, and make payments and purchases
- Pay anywhere worldwide – wherever Mastercard/Visa is accepted
- Withdraw business cash worldwide – No overseas withdrawal fee around the world via the Global ATM Alliance and partner ATMs (other fees may apply) 1
- No annual card fee – other fees and charges may apply
- Fraud detection – 24/7 transaction monitoring for irregular or unusual activity, for your protection and peace of mind 2
- Contactless tap and go – to speed up business purchases under $100
- Lock your card - avoid the hassle of immediately cancelling a mislaid card by putting a temporary block on it via Online Banking or the Westpac App. 3
- Link your card to Apple Pay, Google Pay™, Samsung Pay™ or Garmin Pay - to make fast contactless payments with your smartphone or wearable.
- Add an additional cardholder - an ideal way to share the benefits and convenience of your business debit card with someone else without having to open a new business account.
It means both you and your additional cardholder can use the business debit card in different places at the same time.
What business bank accounts are eligible for the business debit card?
Your business debit card can be linked to up to two of these Westpac business bank accounts:
- Business One (Choose this account if you bank online, and on mobile)
- Business One Plus (Choose this account if you bank online, on mobile and occasionally in branch)
- Community Solutions One (If you are a not-for-profit organisation)
Business Debit Cardholders
- Full Access provides the cardholder with unrestricted access to all features of the business debit card. A default daily cash withdrawal limit of $2,000 applies. A default daily transaction limit of $8,000 applies and can be changed at anytime.
- Limited Access restricts the cardholder to specific features of the business debit card. Limited Access cards have no cash withdrawal privileges, and the Account Holder must assign a daily transaction limit.
Frequently Asked Questions
Versatility
Provide employees with full or limited access cards to your business account.
Visibility
View individual cardholder transactions (identifiable by card number) on a single bank statement.
Security
The Westpac Fraud Money Back Guarantee ensures that any unauthorised transaction claims will be reimbursed provided the cardholder has not contributed to the loss and has contacted us promptly. See our Terms and Conditions (PDF 327KB) for full details of cardholder liability.
There is no annual fee for using the business debit card. Other fees and charges may apply.
All transactions made using a business debit card (including transactions using the ‘credit’ button on an EFTPOS terminal) will be counted towards the monthly transaction allowance/limit that may apply to the deposit account(s) linked to the card. See the Terms and Conditions below for more details.
- 18+ years old (applicant plus all signatories)
- Account holder, signatory, or nominated by the account holder to receive a card
- Operating in Australia with an Australian address
- Needs an eligible business account in the name of the account holder, to link the card.
All additional cardholder(s) need to be at least 18 years old and must be identified in accordance with current Identification and Verification Requirements (IDV) and provide their Foreign Tax Residency Information (FTR).
The additional cardholder(s) must provide consent to receive the new card.
Please visit our webpage Managing and Making Changes to your Business Debit Card for more details. Alternatively please visit a branch or speak with your relationship manager.
Things you should know
1. A 3% Westpac Foreign Transaction Fee applies to overseas debit or credit card withdrawals. A 2% cash advance fee applies to credit card withdrawals where the ‘Credit’ option is selected. A list of Global Alliance members is available.
2. Westpac Fraud Money Back Guarantee. Our Westpac Fraud Money Back Guarantee ensures that you will be reimbursed for any unauthorised card transactions provided that you have not contributed to the loss and contacted Westpac promptly. Refer to your card’s conditions of use for full details, including when you will be liable.
3. Card Lock will temporarily stop new transactions on your card for up to 15 days or until reactivated. The card will reactivate after 15 days if you do not cancel the card. Cards to which temporary lock can be applied will be listed when you sign in to Mobile Banking or Online Banking and visit a Lock a card temporarily under Cards services.
24/7 access is subject to system availability.
Fees, charges, terms and conditions apply. Talk to your banker for product details.
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