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Different ways to send or transfer money online

Whether you bank online, on your tablet or on your phone, Westpac offer a variety of smart and secure ways to send or transfer money.

Pay to Mobile

Pay to Mobile is a secure and convenient way to split a restaurant bill or send money to friends. All you need their Australian mobile phone number and all they need is an Australian bank account to receive the funds.


If you’re a Westpac customer, you can use Pay to Mobile to receive payments straight into your nominated Westpac account.


Find out more about Pay to Mobile

Cardless Cash

Cardless Cash not only gives you the option of getting cash out from a Westpac Group ATM without needing your linked debit card. You can also generate a unique cash code with in the Westpac mobile banking app that can be sent to friends or family via SMS. It’s a great way to get money to someone else if they need it in a hurry or are caught short.1


Maximum daily limits apply.

More about Cardless Cash

Sending money overseas

Need to send money overseas? You can do it quickly and safely in most foreign currencies with an overseas telegraphic transfer via online banking.³


To use Westpac online banking to transfer money overseas you’ll need to be a Westpac customer and registered for both online banking and Westpac Protect SMS Code (a $20 fee applies). 2


Find out more about sending money overseas

Using online banking to send money to someone else within Australia

It’s easy to send or transfer money to another Australian bank account using online banking. All you need are the following details:


  • The account name (generally a person’s name or the name of a business)
  • Account number
  • The BSB number.

Using BPAY to pay bills

BPAY is a fast and convenient way to pay your bills using online or mobile banking. To make a payment using BPAY you’ll need the following details³:

  • BPAY® Biller code of the institution from which the account is held
  • Customer Reference Number for the account you wish to pay.

Find out more about using BPAY

Paying bills with automatic payments

Automatic payments are a handy way to pay your regular bills such as power, gas and phone automatically from your credit card. Setting up automatic payments can take the hassle out of remembering when your regular expenses are due; some companies even offer discounts if you pay by automatic payment.


Find out more about setting up automatic payments


Things you should know

Online Banking Terms and Conditions (PDF 409KB)

1. Get up to $500 per day and a maximum of $1000 per week , subject to account daily maximum limits. Only available at Westpac ATMs in Australia.

2. The Foreign Transaction Fee is payable and will be incorporated into the $AUD transaction amount shown on your statement. The fee charged will either be: a) 3% of the $AUD transaction amount where a transaction is made in foreign currency and the merchant or financial institution accepting the card is located outside Australia (comprising of 2% Westpac Processing Fee plus 1% Westpac On-Charged Scheme Fee); or b) 2.2% of the $AUD transaction amount where a transaction is made in foreign currency and the merchant or financial institution accepting the card is located in Australia (comprising of 2% Westpac Processing Fee plus 0.2% Westpac On-Charged Scheme Fee).

3. Account holders under the age of 14 cannot access BPAY Payments, BPAY View and International Payments via Online Banking. However, they can complete BPAY payments via Telephone Banking and make International Payments via a branch.


BPAY® registered to BPAY Pty Ltd ABN 69 079 137 518