From 19 May 2025, we’re making some changes to how cheque books are provided:
- For existing accounts: Replacement cheque books will no longer be sent automatically, but you can still order one when you need it. To order a replacement cheque book:
- Call 132 032
- Relationship Managed customers, please call 132 142 or reach out to your Relationship Manager directly
- For new accounts opened on or after this date: Cheque books will no longer be available as an option.
From 21 October 2025, cardless cheque deposit will no longer be available at any ATM within the Westpac network. If you need to deposit a cheque, you can continue to do so using your debit card at selected Westpac Group ATMs.
Why are we making these changes?
Australia’s payments system is evolving. As part of the national roadmap, cheques will be phased out no later than 2029. We're committed to supporting you through this transition with timely updates and information about alternative payment options.
Cheque usage in Australia has declined significantly in recent years, as faster, safer, and more convenient digital and real-time payment methods have become widely available.
Over the coming years, our priority is to make this change as smooth as possible for you helping you explore other payment options that meet your needs.
Choosing the right payment method for you
To ensure that you’re ready for the change, now is a good time to start using alternative digital methods for making payments. Here are some common payment scenarios where digital options can be used:
| I want to: |
Via Online Banking or the Mobile Banking App |
|---|---|
| Make a purchase |
|
| Pay a bill |
|
| Pay a home loan, personal loan or credit card |
|
| Send money to family or friends |
|
| Send money overseas |
|
Registered to BPAY Pty Ltd ABN 69 079 137 518.
PayID® & PayTo® are registered trademarks of NPP Australia Limited.
Learn more about a specific method below.
Digital Wallet Add a digital version of your eligible credit or debit card to your eligible device to make payments without your physical card. |
Electronic Funds Transfer You can make a payment to any account using a BSB, Account Number and Name via Westpac Online Banking or Mobile App. |
PayTo Securely set up recurring bills, memberships, subscriptions or one-off payments with your PayID or BSB and Account Number. |
PayID Register your mobile number as a PayID to an eligible bank account to send and receive funds in real-time. |
Payment Solutions for Businesses
If you have a business, you can also accept in-person or online payments, rather than cheque.
Learn more about our range of EFTPOS terminals and eCommerce solutions.
No longer using your Cheque Book?
Switching from cheques to electronic payments, helps reduce fraud by providing a full audit trail, as well as reducing the risk of incorrect or lost payments. If your account has a cheque book feature that you are no longer using, call us or visit a branch to cancel this feature on your account.
To safely destroy your cheque book, you can drop it into your local branch.