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Why lock your card?

If you’ve lost your card and there’s a chance you’ll find it, a temporary lock keeps your card secure while you look for it - and it saves the hassle of cancelling your card.

How it works

Lock your card

Lock your card in Online Banking or the Westpac App.

15-day lock

Your card is temporarily locked for 15 days.


Digital Cards, mobile wallets and wearables are also locked.

Unlock any time

Found your card? Unlock it 24/7. 

How to lock your card

In the Westpac App

  1. Search Lock card in the search bar on the home screen
  2. Select the card you want to lock
  3. Tap the Lock card temporarily button

Found it? 

Simply tap the same button to unlock your card that you used to lock it.


In Online Banking

  1. Go to Service > Card services
  2. Select Lock a card temporarily
  3. Select the card, then select Lock

Found it?

Simply follow the same steps, and in step 3, select Unlock.


What’s next?

Recurring payments

If you have any direct debits or recurring payments on the card, they may be declined while your card is locked.

Need cash?

You can still access Cardless Cash while your card is locked from over 3000 Westpac Group ATMs located across Australia.

Found your card?

Your card will automatically unlock after 15 days. You can unlock your card at any time if you find it before the 15 days is up.

Report it permanently lost

If you don't find your card within 15 days, you should permanently cancel your card.

How to lock (or unlock) your business credit or debit card

Sole traders and partnerships

If you have a personal account and are registered for Online Banking or the Westpac App, you can lock or unlock your card by following the steps. 

Other businesses

If you have a business profile, you can also temporarily lock and unlock your card digitally. 


If you’re not registered for Online Banking, you’ll need to drop into your local branch or call us to lock your card.


Frequently asked questions

Once you put a temporary lock on your card, it will be locked for 15 days. If you lock your card, it will also lock any additional cardholder cards, your Digital Card, your PartPay Card and any mobile wallets or wearables.

Things you should know

Read the Westpac Online Banking Terms and Conditions (PDF 555KB) before making a decision and consider whether the product is right for you. 

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