EFTPOS Air App

Take secure in-person payments with EFTPOS Air on your compatible device.

EFTPOS Air comes with a Business Transaction Account for easy settlement of your payments. We’ll only open a Business Transaction Account if you don’t already have one.

Already have EFTPOS Air? Please call us on 1800 029 749 (8am-8pm Sydney time, Mon-Fri).

EFTPOS Air
EFTPOS Air
  • Take payments on your phone or tablet with no additional hardware required.1 Use this as your main payment device or as a backup.
  • Simple pricing: No setup costs, monthly fees, or lock-in contracts. Just pay 1.4% per transaction.2
  • Receive funds same day: Keep your cash flowing with nightly settlement of funds into your Westpac business account.3
+
Business One
Business One
  • No monthly fee business account: Our award-winning everyday business account with $0 monthly fees.
  • Help make tax time simpler: Connect to accounting software like MYOB, Xero, QuickBooks, and more with bank feeds.
  • Award winning value: Our business transaction accounts won the 2024 Canstar award for outstanding value.

Are you already a Westpac customer?

Eligibility check for online opening

  • Sole Trader or already a Westpac business customer (association, company).
  • Operating in Australia with an Australian address.
  • 18+ years old (applicant plus all signatories).

Are you a sole trader?

What to have handy

  • Your Westpac Online banking sign in details.
  • Depending on your business structure, your Online Banking profile may need administrator authority.
  • Your ABN, and foreign tax details (if applicable).

By continuing you agree

To begin, you acknowledge:

 

By opening the account, you agree:

Applications for EFTPOS Air are typically reviewed within one business day. Once approved, download the EFTPOS Air app to your compatible device and log in to start taking payments.

Ready to get started?

Yes, continue

No, I want to look at something else.


How is your business structured?

You'll need to open a business transaction account if you don't already have one.

Applications for EFTPOS Air are typically reviewed within one business day. Once approved, download the EFTPOS Air app to your compatible device and log in to start taking payments.

Ready to get started?

Yes, continue

No, I want to look at something else.

You'll need to open a business transaction account if you don't already have one.

Partnerships, Trust and Other Business structures can apply for EFTPOS Air by calling us on 1800 029 749 (8am - 8pm Sydney time, Mon - Fri).
 

Call 1800 029 749

Eligibility check for online opening

  • Sole Trader or already a Westpac business customer (sole director, company).
  • Operating in Australia with an Australian address.
  • 18+ years old (applicant plus all signatories).

Are you a sole trader?

What to have handy:

  • Your mobile phone by your side.
  • Two of the below ID documents to verify your identity:
    • Australian driver licence
    • Medicare card
    • Passport
    • Australian birth certificate
  • Have your ABN and foreign tax details handy, if applicable.

By continuing you agree

To begin, you acknowledge:

 

By opening the account, you agree:

Ready to get started?

Yes, continue

No, I want to look at something else.


How is your business structured?

You'll need to open a business transaction account before you can apply for EFTPOS Air.

Get a $100 warm welcome

Open a new $0 monthly fee business transaction account, deposit a minimum of $100 in a single transaction within the first 10 days using the description WELCOME100 and pocket $100 on us. New business customers only. Accounts opened between 03/02/2025 and 30/09/2025. T&Cs apply.#

 

Open Business One

Complete your application in branch

At the moment, you can only apply online for a Westpac Business One account and EFTPOS Air facility if you are a sole trader or already an existing Westpac business customer (association, company, partnership, SMSF, trust, or not-for-profit).

If you or the person you’re applying with need to visit a branch to open your account. Please make sure you:

  • Find out what ID and other documentation you need to provide in the new customer checklist.
  • To ensure we’re best prepared to help you, please call the branch first to make an appointment.

 

Find a branch

Things you should know

1. Compatibility: To use EFTPOS Air, your iPhone or Android device must be Near Field Communication (NFC)-enabled and running a supported iPhone Operating System (iOS) or Android Operating System (OS), listed at  westpac.com.au/eftposaircompatibility, which may change from time to time. Tap to Pay on iPhone requires a supported payment app and the latest version of iOS. Update to the latest version by going to Settings > General > Software Update. Tap Download and Install. Some contactless cards may not be accepted by your payment app. Transaction limits may apply. The Contactless Symbol is a trademark owned by and used with permission of EMVCo, LLC. Tap to Pay on iPhone is not available in all markets. For Tap to Pay on iPhone countries and regions, visit   developer.apple.com/tap-to-pay/regions/.
2. 1.4% flat rate pricing: Applies to eftpos, Mastercard and Visa payments by card or digital wallet. 1.4% flat rate pricing for American Express and JCB is charged by American Express and is subject to eligibility. Other fees and charges may be charged by American Express. Separate application with American Express required which jointly covers American Express and JCB cards.
3. Same day settlement:  Subject to system availability, settlement is performed directly after business day cut off. Business day cut-off for EFTPOS Air takes place 7-days a week at 8.50 pm (Sydney time). Settlement must be to an eligible Westpac business transaction account.

4. Fees may be incurred for certain electronic transactions such as foreign transactions and withdrawals from some overseas ATMs. Customers must be able to meet any applicable fees and charges. For a complete view of fees, please refer to our Terms and Conditions (PDF 813KB).

5. Business Debit Mastercard® holders need to be at least 18 years of age, and other eligibility criteria apply.
6.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 a temporary lock can be applied will be listed when you sign in to Mobile Banking or Online Banking and visit Lock a card temporarily under Cards services.

7. Optional overdrafts are subject to credit approval, eligibility criteria and fees.

8. Westpac transfer fees still apply for funds sent in Australian dollars. Receiving bank fees may also apply, check the currency converter for indicative rates and fees.

# $100 Welcome Offer (Welcome Offer or Offer): This Offer is available to selected customers only and is subject to eligibility requirements.

To be eligible for the $100 Welcome Offer, you must (1) open a Business One or Business One Plus transaction account (Account) (2) have deposited a minimum of $100 in a single transaction within 10 Days of account opening and (3) you must also add a payee description "WELCOME100" to the deposit transaction when transferring the $100 into your new account from another account or financial institution.

Eligibility is limited to a single offer per Account and a single offer per customer. The Offer is available to new Business One or Business One Plus transaction account customers that open a new Account during the Offer Period. Where a Joint Account has been opened, eligibility is limited to a single offer to the primary account holder. The primary account holder is not eligible if, in the last two years, the primary account holder had held or already hold a Business One, Business One Plus, Business One Low Plan or Business One High Plan transaction account.

The $100 Welcome Offer will be provided by way of direct deposit to the newly opened Business One or Business One Plus account within 60 Business days after you meet the eligibility criteria. You are not eligible to receive the offer if you do not include the payee description of "WELCOME100" to the transfer of funds.

The Offer is available from 3rd February 2025 until 30th September 2025 (Offer Period), however, the Offer may be withdrawn or varied at any time without notice or for any reason. We may refuse to provide you or withdraw the Welcome Offer payment if, without limitation, we reasonably believe that (i) you do not comply with these Terms and Conditions or the Terms and Conditions of Business One or Business One Plus, (ii) your account is fraudulent, (iii) you are not acting in good faith, or (iv) you have closed your Business One or Business One Plus account prior to us depositing the $100 Welcome Offer into your new account. This Welcome Offer may have taxation implications. We recommend that you seek independent advice to determine any tax liability or other tax implications based on your individual circumstances. Business One and Business One Plus T&Cs also apply. Westpac Group Employees or where the customer or primary account holder is a Trust are not eligible for the Offer.

Unless specifically defined in these Terms and Conditions, terms used here have the same meaning as those defined in the Westpac Deposit Accounts for Business Customers Terms and Conditions.