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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.

How to report your card as lost or stolen

In the Westpac App

Before trying these instructions make sure you update to the latest version of the app.  

  1. Search lost or stolen in the Smart Search bar
  2. Follow the prompts

In Online Banking

  1. Go to Service > Services > Card Services
  2. 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.
  • If the card you have cancelled has a linked card (such as a PartPay Card or Additional Card), then both cards will be reissued.​
  • If you cancel your PartPay Card or a credit card linked to a PartPay Card, then new cards will be issued for both. ​ ​​

How to identify if a transaction is fraud, a scam or dispute?

Learn if your transaction is a fraud, dispute or scam

You can learn if your transactions appearing on your card is a fraud, scams or dispute by heading to our security hub.

How to report frauds, scams and disputes

Know how to report suspicious behaviour, unusual activity, security threats and see how our partner websites can help you stay in the know.

Frequently Asked Questions

  • The fastest way is via the Westpac App. Just sign in and skip the automated questions to talk to a real person
  • You can also call our 24/7 card centre on 1300 651 089 or +61 2 9155 7700 if outside Australia.

Note: calls made from mobile phones and hotel rooms may attract additional charges.

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.

1. Westpac Cardless Cash - Terms and Conditions (PDF 555KB)


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.

Debit Mastercard®: Choice for youth account, the eligible card age is 8. For any other transaction account, the eligible card age is 14. You must have an Australian residential address.


2. The 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, iPhone and iPad are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.

Android, Google Play and the Google Play logo are trademarks of Google LLC.

“QR Code” is a registered trademark of Denso Wave Incorporated.

Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.