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What happens when you lock your card?

  • You can unlock the card at any time in Cards Hub
  • The card will automatically unlock after 15 days
  • Any direct debits connected to the card may be declined
  • Locking a credit card will also lock additional cardholder cards
  • Locking a credit card will also lock the card in any digital wallets it is added to

How to lock your card

In the Westpac App

Before trying these instructions make sure you  update to the latest version of the app.  
  1. ​Search Lock card temporarily in the Smart Search bar
  2. Swipe to select the card you want to lock and toggle on Lock card temporarily


The card will also be locked in any digital wallets it is currently added to.

In Online Banking

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


The card will also be locked in any digital wallets it is currently added to.

You may also find these features useful

Permanently Block Card

If you don't find your card within 15 days, you should report it lost or stolen and a replacement card will be issued.

Cardless Cash

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

Things you should know

Read the Westpac Online Banking Terms and Conditions (PDF 236KB) at westpac.com.au before making a decision and consider whether the product is right for you.


Available on personal credit and Mastercard® debit cards only. Cards to which a temporary lock can be applied will be listed when you sign in to Mobile Banking or Online Banking and visit Lock a card temporarily under Cards services.


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Mastercard® is a registered trademark of Mastercard International Incorporated