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Why Pay to Mobile?

  • Pay someone on the go: All you need is their Australian Mobile Number and for them to have an Australian bank account to receive the funds.
  • Get paid direct: If you’re a Westpac customer, you can use Pay to Mobile to receive payments which are paid straight into your nominated Westpac account. All you need to do is activate Pay to Mobile.

Getting started with Pay to Mobile

  • First time users need to activate Pay to Mobile. You’ll be prompted to do this when creating your first Pay to Mobile payment.
  • You can also activate by tapping Pay to Mobile settings under Account services in the left hand menu in the mobile banking app or go to Services & preferences > Services in Online Banking.

How to activate Pay to Mobile

  1. Confirm the mobile number that you have previously registered for Westpac SMS Protect.
  2. Using the SMS code, confirm your mobile number.
  3. Choose an account to receive Pay to Mobile payments (sent to your SMS Protect mobile number) directly from other Westpac, BankSA, St.George and Bank of Melbourne Pay to Mobile customers.

How do I make a Pay to Mobile payment?

Making a Pay to Mobile payment is similar to making a Pay Anyone payment.

Pay to Mobile using Online Banking.

Step 1:

From the Payments menu, select Make a payment



Step 2:

Either create a new Mobile payee or select an existing Mobile payee from the Mobile tab



Step 3:

Choose your From account



Step 4:

In the Payment details section, complete the Amount and select Continue



Step 5:

Review the payment details and Confirm. You'll receive confirmation of your payment and the funds will be withdrawn from your account



Step 6:

If the payee has activated Pay to Mobile, the funds will appear directly in their account



Step 7:

If they have not activated Pay to Mobile or if they are not a Westpac customer, you’ll receive a payment code and details to share with the payee. Do not share these details with anyone else.

Collecting Pay to Mobile payments

Collecting your mobile payment is simple and secure. All you need is an Australian bank account - you don’t need to be a Westpac customer.

To be able to collect a payment you’ll need:

  • The payment code and collection details (sent by the person who paid you)
  • Your Australian mobile number the payment was made to
  • The BSB and account number of your Australian bank account.


Collect your payment now


You have until midnight (Sydney time) 3 days after the date the payment was created to collect the payment from payment.


If your claim of the payment is successful, the payment will generally be credited to your account within 3 business days. If you are not a Westpac customer, processing of the receipt by your financial institution may be different.


If the payment is unsuccessful, or if you wish to dispute the amount, you’ll need to contact the payer.

Things you should know

By setting up Pay to Mobile, you are agreeing to the Pay to Mobile - Collection Terms and Conditions

Westpac Mobile Banking applications are only available for use by Westpac Australia customers.
Internet connection is needed to access Westpac Mobile Banking app. Normal mobile data charges apply. Westpac branch and banker locations are available within Australia only. Westpac, St.George, Bank of Melbourne and BankSA ATM locations are available within Australia, and Global Alliance ATMs are available worldwide.

Westpac's security guarantee
To enjoy the benefit of our security guarantee, you need to comply with Westpac's Online Banking Terms and Conditions. Read the detail about your access codes, passwords and SecurID tokens. Always adhere to manufacturers’ software and support to ensure your mobile devices are covered by the latest software and security updates.

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