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Daily Limit SMS Code Frequently Asked Questions

What is a Daily Limit?

Your Daily Limit affects the amount you can transfer from your combined accounts per day. It applies to Pay Anyone, Overseas Payments, Bank Cheques and Periodic Payments. For unregistered Westpac Protect SMS Code users, it also includes payments to restricted BPAY Billers.

What are my Daily Limit options if I register for Westpac Protect SMS Code?

Your Daily Limit options are $0, $500, $1,500, $5,000 and $10,000.

What are my Daily Limit options if I don't register for Westpac Protect SMS Code?

Your Daily Limit options are $0, $500 and $1,500.

How do I know if my BPAY payment is going to be included in my Daily Limit?

If you are registered for Westpac Protect SMS Code, BPAY payments will not affect your Daily Limit. However, if you are not registered for Westpac Protect SMS Code you will notice your remaining daily limit will decrease while making a payment to a Restricted BPAY Biller.

How can I change my Daily Limit if I am registered for Westpac Protect SMS Code?

By going to 'Manage your Daily Limit' in the banking menu, following the prompts and selecting the limit you require.

I want a higher Daily Limit than what is available online.

The maximum Daily Limit available is $10,000 if registered for Westpac Protect SMS Code. Please contact the Westpac Protect SMS Code Help Desk, on 1300 655 505 Option 2 to discuss your options.

I have been asked for an activation code when trying to increase my daily limit.

We recommend that you register for SMS Code by selecting the link on the daily limit page, to be able to instantly increase your daily limit.  Alternatively you can call the Online banking helpdesk on 1300 655 505 to request an activation code which will be sent to you within 5 working days.

Do I need an SMS Code to increase my Daily Limit?

If you are registered for SMS Code you will need an SMS Code to increase your daily limit up to a maximum of $10000. If you are not registered for SMS Code you can request an activation code to be mailed to you within 5 working days to increase to a maximum of $1500. Alternatively you can register for Westpac Protect SMS Code to be able to instantly increase your daily limit online.