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Why switch?

If you already have a SecurID® token and it’s due to expire (or even if it isn’t), now could be a good time to switch to a Westpac Protect™ SMS Code. It’s more convenient than trying to find your token when you need to approve a transaction quickly – and it’s simple to set up for yourself (as an Administrator) and for anyone who uses Online Banking in your business.

Are you eligible?

If you or your staff have a daily payment limit of $200K or less, then you can switch from a SecurID® token to a Westpac Protect™ SMS Code.

Approving transactions over $200K? You will need to continue using a SecurID® token. You may also wish to continue using a token if you or any of your staff are regularly in a mobile blackspot. Please note, Westpac Protect™ SMS Code is not available on Corporate Online accounts.

How do I make the switch?

You and your staff can only have one active security device at any one time – either a SecurID® token or Westpac Protect™ SMS Code. To make the switch, follow our step-by-step guide:

  1. Sign in to Online Banking from a desktop
  2. Hover over Administration, then select Security Devices
  3. Using the drop-down arrow next to each authorised person’s name, select Switch to SMS Code
  4. Enter each person’s country (default to Australia) and mobile number, then select Assign.

Once you have made the switch, your staff will receive a text message advising that they are now registered for Westpac Protect™ SMS Code.

Note: Only Administrators can switch security devices. Not an Administrator? Find your Administrator in Online Banking by going to Service > Preferences > Profile access.


There are two security devices available to use in Online Banking:

  • 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 transactions.

You and your staff can only have one active security device at any one time – either a SecurID® token or Westpac Protect™ SMS Code. You cannot have both.

A temporary code is sent to you or your staff’s registered mobile phone number via text message. When prompted, type this code into Online Banking to approve transactions or make changes to your account.

To receive your SMS Code whilst overseas, you must have international roaming activated and the SMS service must be supported by your local mobile contract provider. A short delay may occur due to international roaming limitations. If you have not updated your phone number to your international number, you can register your phone number in Online Banking however there are some countries that cannot be selected in Online Banking.

If your country is not in the drop down list or you need assistance with SMS Code while overseas, please call us on 1300 655 505 or +61 2 9155 7700 to discuss the options available.

If your token has expired, you will not be able to switch security devices online, but you can make the switch over the phone. Call the Online Banking Help Desk on 1300 655 505 (Monday to Friday 8am-8pm AEST) or +61 2 9155 7700, if overseas.

You can switch from an SMS code to a token at any time. If you don’t have a token, you can order a new token. If you already have a spare token, you can reassign an existing token to another staff member. Learn more about how to manage your SecurID® token online.