A debit card1 makes it easy to withdraw money and make purchases online or in store, but there are a few things to be aware of especially when using it overseas.
Withdrawing cash in Australia and overseas
If you’re in Australia, press the Press the ‘Cheque’ or ‘Savings’ option to withdraw money. If you’re at an overseas ATM, press the ‘Credit’ option.
In Australia, use an ATM in your bank’s network to avoid fees. There are over 3,000 machines in the Westpac Group ATM network.
You can even withdraw money if you don’t have your debit card with you, thanks to Westpac’s Cardless Cash feature2. Simply set up your mobile banking app and follow a few simple steps
Using your Debit Mastercard®
Choose the ‘Cheque’ or ‘Savings’ option to make purchases with your debit card throughout Australia. When making purchases abroad use the ‘Credit’ option.
When you see the contactless symbol on an EFTPOS machine, you’ll be able to use the Mastercard PayPass™ option, as long as your purchase is under $100. Simply hold your card over the reader and wait for four green lights to appear.
Online retailers always ask for your card number and expiry date, and increasingly you’ll need to provide the three digit CVV number. This can be found on the back of the card, at the end of the signature strip.
Keeping an eye on your balance
If you don’t have enough cash to cover a purchase, your card may be declined at checkout and you won’t be able to withdraw money from an ATM.
Quick Balance can help you stay on top of the available funds in your account. Simply swipe left from the sign in screen of your Westpac Mobile banking app to display your recent transactions and the available balance of up to 3 eligible accounts. You don’t even have to sign in.
Security tips and features
Westpac reimburse any unauthorised transaction claims as part of the Westpac Fraud Money Back Guarantee. The only conditions are that you’re not liable for the loss and you contact us promptly to make a claim.3
In addition to alerting you to unusual card activity, this will allow you to:
- reverse transactions when you've been overcharged or don’t receive your goods
- use your four digit PIN number.
Card on Hold
Can’t find your card? Don’t panic, you can temporarily lock your card in seconds with Card on Hold. It’s probably at the bottom of your bag or down the back of the sofa. But best to be on the safe side. Terms and conditions apply.4
Assistance at home and away
Our toll-free Call Centre is here to help with any security or account queries, whether you’re in Australia or abroad. Call 13 33 30 between 8am and 8pm, Monday to Saturday, if you’re in Australia or use the number for Overseas Assistance – both can be found on the back of your debit card.
Exclusive offers in Australia and overseas
Mastercard’s® Priceless Cities program means that all Mastercard holders – even debit card holders! - can now access unique perks and experiences in over 40 cities around the world. For the best dining, shopping and sporting experiences in Sydney, as well as exciting hotel and entertainment offers, visit PricelessSydney.com.au.
And if you’re visiting London, make the most of the iconic London Eye with Fast Track tickets (here).