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HOW TO CHANGE YOUR BUSINESS DAILY PAYMENT LIMITS ONLINE

Now it’s even easier to update your daily payment limits in Online Banking or the Westpac App.

Cartoon of a person carrying a sum of cash to add to their large pile of money

What is a Business Daily Payment Limit?

A Business Daily Payment Limit is the cumulative total value of payments that can be made within a business profile in a single day, using Online Banking or the Westpac App. This is different to a User Daily Payment Limit, which is the cumulative total value of payments any individual user can make in a day, except for some BPAY® payments.

How to guides for Administrators

Change your Business Daily Payment Limit

In the Westpac App

Before trying these instructions make sure you update to the latest version of the app.  

  1. Tap the Smart Search bar and search Business payment limit
  2. Enter the new amount, then select Change limit

In Online Banking

  1. Sign in to Online Banking from a desktop
  2. Select Administration, then Payment limits
  3. Under Business Daily Limit, select Update limit
  4. Enter the new amount, then select Save
  5. You will receive a notification that your change has been successful

Change a User’s Daily Payment Limit

In Online Banking

  1. Sign in to Online Banking from a desktop
    Select Administration, then Payment limits
  2. Under View limit for, select a User from the drop-down menu 
  3. Select Update limit, enter the new limit, then select Save


You will receive a notification that your change has been successful. A few things to note:

  • A User’s Daily Payment Limit cannot be higher than your overall Business Daily Payment Limit. If you are increasing a User’s limit, make sure the business limit has been increased first (if necessary), or any transactions they attempt will fail.
  • The amount you can raise a User’s limit to, may be limited by the type of security device they are using.

How to guides for Users

Request to change your Daily Payment Limit

In Online Banking

  1. Sign in to Online Banking from a desktop
  2. Select Service then Request Daily Payment Limit change
  3. Enter the new amount, then select Submit


You will receive a notification that your request has been submitted to your Administrators. 

A few things to note:

  • If your Daily Payment Limit request is higher than the overall Business Daily Payment Limit, you will receive a notification advising that you have exceeded the allowable payment limit. 
  • You can only submit one request per day to update your payment limit online and you’ll have to wait until the following day to make another request.


Your payment limit will not update automatically. An Administrator still needs to review and update the payment limit.

How to guides for Sole Traders

Change your Daily Payment Limit

In the Westpac App

Before trying these instructions make sure you update to the latest version of the app.  

  1. Go to Profile
  2. Under Security, tap Daily Payment limit
  3. Enter the new amount (up to $10k) and tap Save

In Online Banking

  1. Sign in to Online Banking
  2. Select Preferences from the Service menu
  3. Select Daily Payment Limit, then Update my Daily Payment Limit
  4. Enter a new limit amount into the New limit field up to $50K (or use the slide)
  5. Select Save

Are you changing your daily limit? You may need to provide your date of birth or security code (if you are registered for Westpac Protect™ SMS Code or SecurID® token) to complete the change.

Illustration of a person with their left hand gesturing to an over sized question mark

Payment limits explained

  • Business Daily Payment Limit – The cumulative value of payments that can be made in a business profile in a single day, using Online Banking and the Westpac App 
  • Daily Payment Limit – An individual User’s total daily payment limit
  • Administrators – People authorised to manage and change limits for the business (online and in the app) and individual Users (online only)
  • Users – People assigned individual total daily limits for payments
Cartoon of a person carrying a protective shield and standing on top of a security safe box

What about security?

Safeguarding your financial and personal information is our top priority. To manage the daily payment limit for your business or update to payment limits for your staff, you will need a security device.

Things you should know

Read the Westpac Online Banking Terms and Conditions (PDF 417KB) before making a decision and consider whether the product is appropriate for you.

BPAY® and Osko® are registered trademarks of BPAY Pty Ltd ABN 69 079 137 518.

SecurID® is a registered trademark of RSA Security LLC.