Westpac Protect SMS Code FAQs

Westpac Protect SMS Code is a free service for personal customers, to further safeguard Internet Banking when signed in to Westpac Online.

Recently paid BPAY Billers and payees will not require Westpac Protect SMS Code confirmation.

The Biller you are paying may be issuing a different Customer Reference Number for each bill, and as a result, you will need a SMS code for each payment.

Yes. If you are registered for Westpac Protect SMS Code you will be sent an SMS code to confirm set up of your new payee. Once the payee has been confirmed with the SMS code, payments to that payee will not require an SMS code.

If you do not receive a Westpac Protect SMS code, check your mobile phone reception. If your network has coverage, click the "Send me a new Westpac Protect SMS code" link to receive a replacement code. If you experience further problems, simply call Westpac Protect SMS Code Help Desk, on 1300 655 505.

You need to re-enter your Westpac Online Banking password to return to the transaction. You will then need to proceed as normal and a new SMS code will be required to complete the transaction.

You may have entered an incorrect SMS code. We suggest you re-enter the 6-digit code. However, if you have deleted the SMS code you will need to cancel this transaction and begin again.

For security reasons, for payments to credit cards, part of the account number within the text message has been hidden. It is displayed identically on the online confirmation to ensure it matches the text message. Payments to a BSB and account will display the entire BSB and account number.

If you delete an SMS code by accident you can simply click the "Send me a new SMS code" link to receive a replacement SMS code.

Your SMS code will show the sender as 0448 222 001.

Please call our Westpac Protect SMS Code Help Desk, on 1300 655 505 to discuss your options.

As you have registered for Westpac Protect SMS Code your PIN Mailer is no longer required, which can now be destroyed. You can now change your Daily Limit instantly and at anytime within Westpac Online.

If you are registered for Westpac Protect SMS Code, payments to other Westpac account holders will be processed the same day. If you are not registered for Westpac Protect SMS Code and you are making a payment to a new payee or an existing payee that has not received a payment from your account within the last 12 months, the 24 to 48 hour hold period will apply.

When you set up a periodic payment, enter the payee details which will be automatically added to your payee details list located under Pay Anyone. Alternatively you can set up a new payee in the payee details tab within Pay Anyone. Then when you set up a periodic payment, simply select the payee from the pay to list.

We will never request such information from a customer via SMS Code. Should this occur, please contact the Westpac Protect SMS Code Help Desk, on 1300 655 505.

We are unable to receive an SMS from you. If you have a question, please contact our Westpac Protect SMS Code Help Desk, on 1300 655 505.

Ensure your mobile phone is on and you have network coverage. Go into your Messages and access the inbox. If you’re unsure of how to access the SMS functionality, please check with your mobile phone service provider.

SMS stands for 'short message service'.

Your SMS code will be a 6-digit number with no spaces.

If you're registered for security device, instantly reset your password online. You'll then be able to sign in using your new password.

If you're still experiencing issues, please call us anytime on 132 032 from within Australia, or (+61 2) 9293 9270 from overseas.

No, a Westpac Protect SMS Code is not required for transfers between your own Westpac accounts.

We opted for the Westpac Protect SMS Code solution as it is a proven security measure for Westpac Online Banking. It is regarded as second-factor authentication. First factor refers to 'something you know’ (i.e. your password) and second factor is ‘something you have’ (like your mobile phone). Both are used to verify your identity and thus make your transactions more secure.

Personal customers, please call us on 1300 655 505 to register. Administrators of Business networks can register their users for SecurID® tokens.

If you are registered for SMS Code all payments to overseas payees will require an SMS Code.