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Protecting You Every Day

Fraud, Scams and Identity Theft are an everyday risk, but we’re here to help. We use technology around-the-clock to constantly monitor transactions and identify risks, so you can feel confident your accounts are secure.

Real Time Checks

Our technology constantly learns from your transaction activity and normal banking behaviour. Getting to know your digital identity allows us to instantly alert on suspicious activity.

Safer Shopping

Added security for online payments with our accredited Westpac Internet Payment System. Find out more.

Digital Card Security

It’s a digital version of your card available 24/7 in the Westpac App. The 3-digit CVC security number changes daily to ensure your details are kept safe. Find out more.

24/7 Watch

We work around-the-clock to find, detect and take down scam websites (and other security threats) that target our customers.

Our security features

A SecurID® token is a small, portable device that generates a single use digital security code to securely authorise online transactions. It’s ideal if you’re travelling or in a low mobile service reception area.

With a SecurID® token, you can:

  • Access a higher Daily Payment Limited (compared to SMS Code)
  • Update your contact details online
  • Reset your Westpac Online Banking password
Keep your token secure. If you lose your token, contact us immediately on 132 032.


If you’re an administrator of a Business Network, you can register users for SecurID® Code in Online Banking. Go to Services and preferences > User administration. Select the person you want to add, tick the SecurID® token option and follow the prompts. If a user is already registered for a token, go to more features > security device


Trusted Wi-Fi (also known as certificate pinning or public key pinning)

The Westpac iPhone Mobile Banking app version 10.2.0 and above checks the security of your Wi-Fi network connection when attempting to sign in. To help protect you and your banking, the app may prompt you regarding the Wi-Fi network that you are using as it may be monitored or pose a possible security risk to you and your banking.


We use the latest technology to keep your Westpac credit card secure. If we notice unusual activity on your card:

  • Our Fraud Detection Team will contact you, or
  • Send a text to confirm the transaction

If you notice a charge on your statement that isn’t yours, you should report it immediately.


  • We stop your card and companion cards (and the card of any additional cardholders) and issue new cards
  • Investigate the charges. This can take up to 21 days.
  • Provide you with a case number.
  • We may send you a Transaction Investigation Report with a list of the suspected fraud transactions. When this happens, you need to sign and return the report to us within 14 days of its receipt.
  • We then investigate the charges and refund any monies deemed as fraud.

View the Terms and Conditions (PDF 74KB)

Your Online Banking with us, is protected by our market-leading technology Westpac Protect™ Adaptive Authentication – a comprehensive, real-time, authentication and fraud detection platform that monitors your banking behaviour.

This allows us to get to know your digital identity, making it easier for us to detect unusual activity and alert you to it. It also makes your online banking easier and more streamlined, by minimising the need for security codes to be entered, when we are confident it’s you performing the activity. We may still ask you for a code if we think something isn't quite right.

SecurID Tokens® and Westpac Protect™ SMS Code are part of our Adaptive Authentication technology and are measures we use to keep you safe.


Want to know more?


To know more about Westpac’s security devices click here

To know more about card protection click here

Qualifying for Westpac’s security guarantees

Your Online Banking and Credit Card transactions have unique security guarantees, helping to protect you from fraud. Fraud is when someone gains access to your accounts or details for the purpose of making illegal transactions.

Online Banking Security Guarantee*
  • Have not shared your sign in details or security codes
  • Have not voluntarily participated in the transaction
  • Immediately informed us of any unauthorised activity
Fraud Money Back Guarantee
  • Unauthorised transaction made without your knowledge
  • Reported promptly within your billing cycle
  • Have not voluntarily agreed to the transaction

Supporting your recovery

Scams happen

Scams are when you are tricked into sending money or information to someone who you think is offering a genuine product. 40% of Australians have reported being scammed at least once. Reporting a scam quickly gives us the best chance of disputing the transaction. This also allows us to update our staff and customers so that we can minimise the chance the scammer can deceive other

Report a scam
  • Report suspicious activity now to 132 032 (or +61 2 9155 7700 if overseas).
  • Report suspicious emails or scam details to
  • Report suspicious SMS messages by forwarding the hoax SMS message to 0497 132 032 and then delete the message.
  • If you clicked on a link provided in hoax email or SMS, it's possible your security could've been compromised. In that case, contact us immediately on 132 032.

Protect yourself and your business

Complete our security checklists to lower the chance of you or your business becoming a target.

Security Wellbeing Check

To help keep you up to date with the latest security features, we’ve introduced the Security Wellbeing Check. Found in the Westpac App, it checks your Westpac settings and suggests how you can improve the security of your banking facilities.

Report a scam

If you receive any suspicious calls, emails or SMS messages, or notice unusual activity on your account, it’s important that you let us know.

Things you should know

*Our Online Banking Security Guarantee is not applicable to Corporate Online Banking.