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What do I need to do before I set or change my card PIN?

To set or change your card PIN online, on the device of your choice, you'll need to:

Which cards can be changed online?

Credit, debit or Handycard: set your PIN online when activating a new card or change your existing PIN anytime.

When would I need to set or change my card PIN?

Activating a new card

When you receive your new credit or debit card, you’ll need to set your PIN after activating the card.

Maintain account security

If you’ve accidentally shared your PIN or the linked account has been compromised, consider changing your PIN.

Forgot your PIN

If you haven’t used your card in a while and you’ve forgotten your PIN, you can change your PIN online anytime. 

For peace of mind

To enhance the security of your card, updating your PIN more regularly may be a wise strategy.

How do I change my card PIN?


In the Westpac App

Before trying these instructions make sure you update to the latest version of the app.  ​
  1. ​Go to the Cards hub at the bottom of your home screen or Set or change card PIN in the Smart Search bar.
  2. Follow the prompts

In Online Banking

  1. Go to Service > Services > Card services
  2. Select Set or change PIN and follow the prompts

Digital Card and dynamic CVC

It's a digital version of your card, instantly available 24/7 in the Cards Hub. Use it to shop online and pay bills with the added security of a dynamic CVC that updates every 24 hours.

Learn more

Westpac Protect™ Online Banking Security Guarantee

If your Westpac account is compromised due to Online Banking fraud, we guarantee to repay any missing funds, provided you complied with our Online Banking Terms and Conditions.


Westpac Protect Security Guarantee
Things you should know

Read the Westpac Online Banking Terms and Conditions (PDF 448KB) at before making a decision and consider whether the product is right for you.

Deposit Accounts for Personal & SMSF customers Terms and Conditions (PDF 897KB)

Westpac Debit Mastercard® Terms and Conditions (PDF 232KB)

Westpac Mobile Banking applications are only available for use by Westpac Australia customers. Internet connection is needed to access Westpac Online Banking and the Westpac App. Normal mobile data charges apply. ​

Westpac’s Online Banking Security Guarantee - If your Westpac account is compromised due to Online fraud, we guarantee to repay any missing funds, provided you complied with our Online Banking Terms and Conditions. This includes keeping your sign-in details (including passwords, Westpac Protect™ Security codes) private, not participating in the unauthorised transaction, and immediately notifying us when you suspect an unauthorised transaction or potential fraud on your accounts.

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