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Westpac Protect™ Security Code

We have a safeguard against fraud for personal customers. Westpac Protect™ Security Code uses a one-off code via notification from the App or as an SMS to your mobile phone to confirm certain transactions via text message when banking online.

It's quick, simple, doesn't interfere with the majority of your day to day banking and offers:


  • Increased security, free of charge
  • A higher daily limit
  • Flexibility to instantly increase your limit online
  • Same day Pay Anyone payments to other Westpac accounts
  • Alerts to unauthorised activity
  • The ability to instantly reset your Westpac Online Banking password online if you've forgotten it.

Registration is quick and easy

Take just 2 minutes to register. Sign in to Online Banking, select 'Administration' then the 'Security' tab and follow the simple step-by-step instructions.

How it works


We'll send a new Security Code via text message to your mobile phone each time you need one. You will enter this code into Online Banking to confirm your transaction.

How to use Security Code overseas