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Westpac Live FAQs

General FAQs

With Westpac Live you can:

  • Personalise your accounts to see your banking the way it suits you

  • Select the new tile view for a snapshot of your account balances

  • Easily search your transaction history, making it simple to reconcile invoices and bills

  • Search up to 3 years of transaction history and access 7 years of statements online

  • Get complete control of your business banking and what users of your service can access and do online

  • Set up Westpac Protect™ SMS Code - a free service to securely make payments, change limits and manage your details

  • Do even more business banking on your mobile device - make and approve payments on the go, keep track of your accounts and more.

If you have both personal and business banking, all of your eligible accounts will be available through Westpac Live.

Westpac is required to notify customers of updates to our Online Banking Terms and Conditions. These notifications can now be sent by email.

Additionally, if you choose to receive e-statements or helpful account notifications we will need a valid email address in order to deliver these to you.

Mobile Banking

Security

Westpac Protect™ SMS Code helps protect you by using your mobile phone to confirm certain transactions via text message when you bank online.

This means:

  • Increased security

  • The ability to instantly reset your Westpac Live password online

  • Access to a higher Business Daily Limit and Daily Payment Limit

  • Same day payments (RTGS) 

  • Alerts to unauthorised activity

  • The ability to update your contact details online.

Learn more about Security.

A SecurID® token is a small, portable device that generates a single use digital security code, which you use to securely authorise online transactions.

This means:

  • Increased security

  • The ability to instantly reset your Westpac Live password online

  • Access to an even higher Business Daily Limit and Daily Payment Limit (compared to SMS code as your security device)

  • Same day payments (RTGS) 

  • The ability to update your contact details online.

Learn more about Security.

Business users can now choose Westpac Protect™ SMS Code or SecurID® token. Both devices offer additional security. When choosing a security device, consider which one best suits you and the way that you operate.

Different users in a business can use different security devices. I.e. some users can register for Westpac Protect™ SMS Code, while others can use a SecurID® token.

No, signing out is not automatic. It is important to sign out of Westpac Online Banking once you have finished banking by clicking the ‘Sign out’ button. Simply closing the browser does not end your banking session and can cause an error when you next try to sign in.

For your security, Westpac Online Banking sessions have a time limit of 4 hours. When we are going to sign you out, a message will be displayed informing you that your banking session is about to end. Press the Continue banking button to avoid being signed out.

For added security, if your session is inactive for 10 minutes you will be prompted to re-enter your password to continue.

Manage your banking

Yes, you can view your running balances using Online Banking. However the amount in your account after a transaction will not include any uncleared deposits and/or pending withdrawals.

Yes you can. You can search a transaction by description, date or amount. You can also filter your search by credit/debit transactions. By default, 25 transactions will be displayed with the option to display more transactions.

To search your transactions go to Overview > Transaction search

When you don’t want to display certain accounts, Online Banking allows you to hide these accounts from display and reveal them again when you choose.

Hiding and displaying accounts are independent in Online and Mobile Banking, so you can hide accounts on one platform (e.g. in Online Banking) and reveal them in another (e.g. in Mobile Banking).

To hide your accounts go to Services & preferences > Preferences > Accounts & services

There are no establishment or ongoing fees for accessing Online Banking, however fees and charges apply for the processing of some payments.

The below fees will be charged at the time of processing a transaction:

  • Bank cheque: $5.00 per cheque

  • Make Same day (RTGS) payments ($20.00 fee per payment)

  • International Payment charges:

    • To transfer to an overseas account in foreign currency -$10
    • To transfer to an overseas account in Australian Dollars - $20
  • International Payment cancellation fee: $25.00 per returned payment

  • Stop individual unpresented cheques ($12.00 per cheque) or a range of unsigned cheques (fee free)

  • Cheque and voucher images ($5.00 to view).

Each Westpac Account has a separate fee structure, and fees and charges in addition to the above fees may be payable. Please refer to the Account Terms and Conditions for more detail.

You can reset your password instantly if you’re registered for Westpac Protect™ SMS Code by selecting the Forgotten your password? link on the sign-in screen.

You can also change your password from within Westpac Live if you think your password has been compromised.

To change your password go to Services & preferences > Services > Urgent services > Change password

You'll need to be an Administrator and registered for a Westpac ProtectTM security device in order to make changes to user limits in Westpac Live. 

To change user limits:

  • From Services & preferences click on User administration

  • When prompted, enter your SMS or token code

  •  A list of all Users in your network will be displayed

  • Click on the User name to open the Edit screen

  • Scroll down to Access level and security

  • Enter the preferred Daily Payment Limit

  • Click Save.

Other general FAQs

When a user's daily payment limit is set to zero, payments are limited to making transfers between linked accounts, the Australian Taxation Office (ATO) and some BPAY® billers. If other payments such as Pay Anyone payments are required, the users' daily payment limit can be changed by an Administrator.

Online Banking offers the following security devices for additional safeguard against fraud:

  • Westpac Protect™ SMS Code uses your mobile phone to confirm certain transactions via text message when banking online

  • SecurID® token is a small, portable device that generates a digital security code, which you use to authorise certain transactions.

These security devices seek to ensure that third parties are unable to authorise fraudulent transactions.

Things you should know

* Fingerprint logon is available for iPhone 5S, iPhone 6, iPhone 6 Plus and Galaxy S5, Note 4 users.  Customers will need to register their fingerprint on the mobile device and set it up before accessing Mobile Banking using fingerprint sign in.

Winner of the Best Innovative Online Banking Service in Money Magazine’s 2015 Best of the Best Innovation awards and Good Design Award in the category of Digital and Online design - Good Design Australia 2014.

SecurID is a registered trademark of EMC Corporation.