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If your card has been lost, or stolen, you can cancel your card and order a new one in Online Banking or the Westpac App. 

On this page, we’ll show you how to:

  • Lock your card temporarily, while you look for your card
  • Permanently cancel your card and organise a replacement card
  • If you have a transaction account, you can use Cardless Cash1 to get cash from the ATM without needing a physical card
  • Access your Westpac Digital Card2 to shop online and pay bills while waiting for a replacement card.

Firstly, is there a chance you will find your card?

There is still a chance I will find my card.

Temporarily Lock Card.

You can place a 15 day lock on your personal credit or Mastercard® debit card. This way, you can continue to look for your card.

My card was stolen or I won’t find my card.

Permanently Cancel Card.

You can cancel your card immediately via Online Banking or the Westpac App. We’ll organise to have a replacement card sent to you.

What happens after I cancel my card?

  • The new card will arrive within 4-6 working days
  • A new card can be delivered to you or sent to a branch
  • Once you receive your card, activate it via the via the Westpac App.
  • Your replacement card details will be automatically updated in any digital wallets this card has been added to and you can continue to make transactions without the need activate your replacement card/s.
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How can I access funds without my card?

  • Use Cardless Cash1 to withdraw cash without your Debit card from over 3000 Westpac, St.George, BankSA & Bank of Melbourne ATMs located across Australia. You’ll need the Westpac App to do this.
  • If you have permanently cancelled your card and waiting for a replacement card, you can access your Digital Card2. The digital card is a digital version of your card, but instantly available 24/7 in the Westpac App. Use it just like your physical card to shop online, pay bills, make in-app purchases and set up your recurring card payments,  or even add it to your mobile or wearable wallet to shop in-store. 
  • If you have added your card to a digital wallet before it was reported lost or stolen, your replacement details will be automatically updated and you can continue to make transactions with that card using your device.


Frequently Asked Questions

A lost or stolen wallet can mean more than just lost credit cards. There’s your driver’s licence, mobile phone, car or house keys to consider:

  • Check the Lost Wallet Checklist (PDF 57KB) for a list of Australian financial institutions and their numbers
  • Report the loss or theft to police on 000 or the Police Help Line 131 444 
  • Contact your insurance company, locksmith and mobile network provider (where applicable)
  • Use Cardless cash to get money from any Westpac ATM

You should call us immediately on 1300 651 089 or +61 2 9155 7700 if outside Australia.

Things you should know

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.

1Westpac Cardless Cash - Terms and Conditions (PDF 91KB)


There is a Cardless Cash limit of 3 Cardless transactions per day, subject to a daily withdrawal limit of $500 and a weekly withdrawal limit of $1,000. All Cardless Cash limits apply across Westpac, St.George, BankSA and Bank of Melbourne accounts and Mobile Banking Apps.

Westpac Debit Mastercard® holders need to be at least 14 years of age, and have an Australian residential address to be eligible for the card. If you're not eligible for a Westpac Debit Mastercard, apply for a Handycard to access your account.


2The Instant Digital Card is only available on the Westpac Mobile Banking app and supported with the latest version of Westpac Mobile Banking. The terms and conditions applicable to your product also apply to the use of your digital card. Online Banking Terms & Conditions also apply. You may not always be able to access your digital card.

The iPhone and Android Mobile Banking applications are only available for use by Westpac Australia customers. Apple, the Apple logo and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Google Play is a trademark of Google Inc. Mastercard is a registered trademark of Mastercard International Incorporated.