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Banking tips every traveller should know

Planning on taking a trip this holiday season? Here are a few simple things you can do to help safeguard your accounts.

December 2023 - 5 minutes' read

What’s in this article

  • Key things not to do while travelling
  • How to spend your money safely while on holidays
  • Why you should let us know when you’re travelling and how we help keep your accounts safe. 



Whether you’re travelling overseas or around Australia, the last thing you want to worry about is banking problems while you’re in the middle of your holiday.

That’s why it may be a good idea to cover off these tips before you head off, for your own peace of mind and so we can help keep your accounts safe during your travels.

Before you leave:

1. Ensure all your push notifications are switched on

To stay informed of any changes to your contact details or account activity, such as Daily Payment Limits and Account Deposits and Withdrawals, switch on push notifications. If you’re going overseas and don’t have global roaming, make sure you enrol to receive your Security Codes via the App.

2. Enable your app permissions

Allow app permission for your Apple or Android so we can immediately flag and verify transactions or account changes from unexpected places. You can change this by going into your device's Settings, look for the Westpac app in Apps and allow permissions for all. This may be slightly different depending on your phone version. 

3. Verify your contact details

If we detect any suspicious activity, we may need to get in contact with you. By ensuring your contact information such as your mobile phone number and email address are up-to-date we’ll be able to get in touch quicker. 

4. Tell us when/where you’re travelling overseas

We’re constantly monitoring your accounts for suspicious activities, but if you don't notify us of your travel, your international transactions might look like suspicious activity. You can notify us via Online Banking or the Westpac App.

5. Download the latest version of the app

Check that you have the latest version of the Westpac App to ensure your device has all the up-to-date security features.

6. Add your card(s) to your Apple pay, Google Pay™ or Samsung Pay™

Your debit or credit cards offers many ways for you to pay. By adding your card to your digital wallet, it enables biometric authentication (fingerprints and facial recognition) for transactions to ensure only you are accessing your money. You should only add your card to a Digital Wallet on a device that you are in control of.

7. Check your card’s expiry and limits

Make sure you set your daily payment and withdrawal limits to an amount you’re comfortable with and check the expiry dates on your cards before you head off to make sure they don't expire while you're away.


While you’re away:

1. Keep your card(s) and PIN secure

Do not keep these in the same place; and never leave cards unattended in public places or when making purchases.

2. If your card is lost or stolen while you’re travelling

You can easily lock, cancel, or order a new card via Cards Hub in the Westpac App. Cards Hub will also give you access to your digital card, so you're not stuck without your card until your return home.

3. Avoid using public computers and unsecured WIFI connections

Always use a secure internet connection, especially when you have to enter your personal and financial details. You can also follow these tips to help safeguard your Online Banking security.

4. Use a PIN or biometric authentication

Your Westpac credit cards are protected by a Fraud Money Back Guarantee provided you comply with the Terms and Conditions. Where possible, use your PIN or biometric authentication instead of signature to verify credit and debit card purchases. You can change your PIN via Online Banking or the Westpac App.


Before you head off on your next holiday, make sure you’ve ticked off each of these tips so it’s smooth travels and happy holidays. If you come across any troubles trying to access your Online Banking, give us a call on +61 2 9155 7700

Things you should know
Westpac Fraud Money Back Guarantee - Our Westpac Fraud Money Back Guarantee ensures that you will be reimbursed for any unauthorised card transactions provided that you have not contributed to the loss and contacted Westpac promptly. Refer to your card’s conditions of use for full details, including when you will be liable.