FAQs

I don't recognise a pending transaction

If you don't recognise a pending card transaction, there are a few common reasons that may explain it. 

• Pending transactions don’t always appear on the date the purchase was made
• If you have a joint account or an additional cardholder, check if the transaction was made by the joint card holder
• Check if the transaction may be a recurring payment or set for a specific date (e.g. PayPal or subscription).
   

If you still don’t recognise a pending transaction and are concerned it may be fraudulent, we recommend you lock your accounts or cards using SafeBlock to stop any further activity, you can do this by searching 'SafeBlock' in the Westpac App or Online Banking.
 

If the card transaction is something you approved but there’s a problem with the goods or services, or you were misled, you'll need to wait until it's fully processed before it can be reported. Pending transactions aren’t final and can still change. This usually takes 3 to 10 days.
 

How to report a transaction

• Tap on the transaction in the Westpac App or via Online Banking
• Check the business name, logo, location and details to see if it looks familiar
• If it doesn’t look right, tap 'Report this transaction' and follow the prompts.