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How to temporarily lock your business credit or debit card

Avoid the hassle of immediately cancelling a mislaid card – by putting a temporary block on it in Online Banking or the Westpac App.

What happens when I lock my card?

  • Your card will be locked for up to 15 days while you look for it
  • You can unlock it at any time
  • Scheduled payments will be stopped
  • Any direct debits on a linked bank account will continue
  • The card will unlock automatically after 15 days. You should consider cancelling your card if you haven't found it within 15 days to protect yourself from unauthorised transactions.

How do I lock my Westpac business credit or debit card?

If you already have a personal account and are registered for Online Banking or the Westpac App, you can lock your card by following these simple steps:


  1. Select Services.
  2. Then under Card services select Lock a card temporarily
  3. Choose the card you wish to lock by selecting Lock. Once your card is locked no one can use it. 


What if I’m not registered to online banking?

Call us 24/7 and ask to lock a card temporarily or visit your nearest Westpac branch:

Or if you have an account in your personal name and are happy to access it online, simply register for online banking then put a temporary block on your card following the steps above.

What about additional cardholders?

When you lock one Altitude Business Credit Card, you will also lock the cards of any additional cardholders.

For BusinessChoice Credit Cards, you will need to block or cancel each individual card of additional cardholders separately. This can only be done by authorised signatories with proper authority from the Business.

If debit cards are linked to the account (for both Altitude Business and BusinessChoice), they may need to be blocked or cancelled separately - including cards added to mobile wallets and wearables. 

What if my card is used before I manage to lock it?

Should any unauthorised transactions occur on your cards, the Westpac Fraud Money Back Guarantee ensures you'll be reimbursed in full provided you've:

  • Not contributed to the loss (and complied with the card's conditions of use)
  • Contacted Westpac promptly.

What if I find my lost business credit or debit card?

You can unlock the card by following these steps. In online banking select ‘unlock’, or tap on the lock icon in our mobile app against the card you have locked to unlock it.

Additionally you can visit your nearest Westpac Branch or phone Westpac on 1300 650 107 for Business Choice and Business Debit cards or 132 142 for Altitude Business cards.

What if my business credit or debit card is lost for good or was stolen?

Please report a lost or stolen card so that we can permanently block your card, stop all transactions on your account, and organise a replacement. This can be done online, or by calling 1300 650 107.