Manage Account Access
Check who can access your account in the Westpac App or Online Banking. Update access securely in one place.
What can you do?
Depending on your account type, you may be able to:
- View who has access to your account
- Remove access when someone no longer needs it
- Check or change your account operating rule
- Add a user by giving them signatory access.
What you can do by account type
| Account type | View access | Remove access | Change operating rule | Add a user |
|---|---|---|---|---|
| Personal transaction, savings and term deposit | Yes | Yes | Yes | Yes |
| Business transaction and savings | Yes | Yes | Yes | Yes |
| Youth transactions and savings | Yes | Yes | No | No |
| Home loan | Yes | No | No | No |
| Credit card | Yes | No | No | No |
How can you manage access?
You’ll be able to see who owns the account, who else has access, and the account operating rule.
In the Westpac App
Make sure you have the latest version of the app.
- Choose an account, then select Manage
- Then select Account access.
In Online Banking
- Select Service
- Choose Other account services
- Select Manage account access
- Select the account you want to view.
You can remove access for someone who no longer needs it. If the access is linked to a legal role, you’ll need to visit a branch to make changes.
Note: When you remove access, all access is removed for that person. This includes Online Banking, cards, phone banking and branch access.
In the Westpac App or in Online Banking
- In the App: Go to Account access
In Online Banking: Go to Manage account access - Select the account
- Choose Remove access
- Follow the steps and submit.
Account rules explain how approvals work on your account. This is available for both personal and business transactions and savings accounts.
Note: Changes to operating rules may need approval. Other account holders may need to approve the change, such as when changing from all to sign to any to sign.
In the Westpac App or in Online Banking
- In the App: Go to Account access
In Online Banking: Go to Manage account access - Select the account
- Choose Account rules and select Change
- Follow the steps and submit
- If more approvals are needed, other account holders will be notified
- Once all required approvals are received, the request is processed.
You can add a signatory to some accounts. Before you add a signatory, check whether another authority type may suit your needs.
Adding a signatory lets another person operate your account at a branch.
What you’ll need:
- Details of the person you’re adding
- Approval from other account holders
- Approval from the person you’re adding.
In the Westpac App or in Online Banking
- In the App: Go to Account access
In Online Banking: Go to Manage account access - Select Add user
- Follow the steps on screen and submit
- The request needs approval from all account holders and the person you’re adding. Notifications will be sent with next steps.
- Once all required approvals are received, the request is processed.
Good to know:
- Some authority types must be set up at a branch (e.g. formal authority)
- Signatories must be a Westpac customer
- After adding someone, check your account rules to understand how approvals and transactions work
- For joint accounts, other account holders need to approve the request.
What are the different operating rules?
Frequently asked questions
Some accounts are view only and don’t support online changes.
Approvals help protect everyone on the account and make sure changes are agreed.
Some products like insurance, trading and car finance accounts, don’t appear.
Some features depend on the product and who is authorised on the account.
Some rules add extra controls and require approval to protect everyone on the account.
A signatory will operate your account, subject to your account’s operating rules and the account terms. A signatory may:
- Draw or stop payment of a cheque or other instruments drawn on the account
- Make, accept, endorse or discount cheques or other instruments payable to you
- Overdraw the account, up to any approved limit and as allowed by Westpac
- Set up, change or cancel Periodical Payments and Direct Debits (includes debiting the account for any related charges or costs)
- Use the account and make transactions in any way Westpac allows, including online and other available methods
- Move an account between branches (this may not be allowed in Victoria)
- Close the account
- Ask questions, give instructions, and get account information
- Give instructions about payments into the account, including setting up a PayID
- Sign any documents given by Westpac, including guarantees and indemnities relating to:
1. Missing documents
2. Guarantees or similar commitments Westpac provides for you, or on your behalf. - Make arrangements with Westpac about any property Westpac holds for you, including using it as security, and to receive that property.
- Meet any other terms and conditions agreed by you.
For Westpac Term Deposit or Farm Management Deposit accounts, a signatory may be able to:
- Add money to the account
- Receive deposits and interest
- Give instructions for payment or renewal at maturity or otherwise.
Read Westpac’s Notice of Authority form (PDF 788KB) to understand the full scope of a signatory’s authority and what these terms mean.
This depends on the operating rule you have set.
Granting third party access means you give someone permission to access your account through Online Banking. They’ll see the account in their own Online Banking. Depending on the access you choose, they can:
- View the account only
OR - View and make transactions.
For more information go to Share Account Access.
Things you should know
Read the Westpac Online Banking Terms and Conditions (PDF 814KB) at westpac.com.au before making a decision and consider whether the product is right for you.
Westpac’s Online Banking Security Guarantee: If your Westpac account is compromised as a result of Internet fraud, we guarantee to repay any missing funds, providing you comply with our Online Banking Terms and Conditions. This includes keeping your sign-in details (including passwords, Westpac Protect™ SMS codes and SecurID® Token codes) private. You must inform us immediately if you suspect the security of your access details has been compromised, or you suspect an unauthorised transaction or potential fraud on your accounts.
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