Deposit cheques in a flash

Use your camera to deposit cheques in the Westpac App

1, 2, 3. Say Cheque

*Available to eligible customers only

Deposit a cheque up to $5,000 with mobile cheque deposits in the Westpac App. Upload a picture of the front and back of your cheque with your phone camera and the cheque will usually clear within three business days.

How to deposit a cheque in just a few taps

In the Westpac App

Make sure you have the latest version of the app. 

  1. Search Cheque deposit
  2. Select the Deposit account and Amount
  3. Photograph the front and back of the cheque. Keep within the white box - we’ll take the photo.
  4. Tap Submit
 

Download the Westpac App

Download the Android App

Download the iOS App

Frequently asked questions

How long does it take for the cheque to appear in my account and clear?

Scanned cheques will appear on the next NSW banking day. It would take a further business day if you scanned the cheque after 9pm (Sydney time).
Cheques will usually clear in 3 business days.


Please contact Westpac on 1300 655 505 if you have any questions about a cheque you have scanned but cannot locate as a deposit in your account.

Please keep the cheque for 2 weeks and then securely destroy it. We suggest that you write ‘deposited’ across the front of the cheque as a reminder that you have deposited it.

The cheque feature can accept most personal and business cheques up to the value of $5,000.

If the cheque has been identified as being:

  • A duplicate – destroy the cheque
  • Dishonoured – contact the drawer of the cheque
  • Declined – visit a branch to deposit the cheque.


If the cheque was rejected, there are a number of possible reasons. In some cases, the cheque’s MICR line may have writing interfering with it.
 

You don’t need to do anything. The deposit will be corrected through the overnight processing and you will see an adjustment in your account.

Depending on the account receiving the deposit, you may be charged a cheque collection/deposit fee and/or a staff-assisted deposit fee for each cheque deposited.

Things you should know

Read the Westpac Online Banking Terms and Conditions (PDF 619KB) at westpac.com.au before making a decision and consider whether the product is right for you.

Available for eligible customers and accounts. Contact us to find out if your account is eligible for mobile cheque deposits. 

You can inform us how you would prefer to be contacted. If you are deaf and/or find it hard hearing or speaking with people who use a phone, you can reach us through the National Relay Service (NRS). To use the NRS, you can register here: accesshub.gov.au/about-the-nrs

Visit Westpac Access and Inclusion for further information on our accessible products and services for people with disability.

You must have the latest version of the Westpac App and a compatible iOS or Android operating system.

Mobile cheque deposits may be used to submit cheque/ cheques totalling up to $5,000 in any 7-day period – as a personal customer and/or across a business network. You may only submit Australian dollar cheques; you must be the true owner of the account; and you must not allow a cheque to be deposited again after it has been submitted. After you have submitted a cheque please keep it safe for 2 weeks, then destroy it securely.

Uncleared funds will appear in your account on the next business day (or the business day after that if you submit a cheque after 9pm Sydney time, or on a day that is not a business day). Funds will usually become available after a further 3 business days. 

The Westpac App is only available for use by Westpac Australia customers. 

Internet connection is needed to access the Westpac App. Normal mobile data charges apply. 

 

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