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Has your card been lost or stolen?

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. You can use your digital card to access your money as you're waiting for your new card to arrive.

Report your card as lost or stolen

In the Westpac App

  • Tap on Cards tab in the Westpac App.
  • Or search lost or stolen in the Smart Search bar and follow the prompts.  

On Desktop

  • Go to Service > Services > Cards services
  • Select Report lost or stolen cards.

Is there a chance you'll 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.

How can I access my funds without a card?

Digital card
It's a digital version of your card, but instantly available 24/7 in the Westpac App. You can use digital card to access your money as you're waiting for your new card to arrive.


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 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.

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 90KB) 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.