Skip to main content Skip to main navigation Skip to accessibility page Skip to search input

Our security guarantee

Westpac protect

If your Westpac account is compromised as a result of Internet fraud, we guarantee to repay any missing funds, providing you comply with our Online Banking Terms and Conditions.


This includes keeping your sign-in details (including passwords, Westpac Protect™ SMS codes and SecurID® Token codes) private.


The Terms and Conditions explain the features, benefits, risks, fees and charges for Online Banking and BPAY®.


You must inform us immediately if you suspect the security of your access details has been compromised or you suspect an unauthorised transaction or potentially fraud on your accounts.

How to report suspicious activity

Please report any suspicious activity immediately by calling 132 032 or (+612) 9293 9270 from overseas anytime.


Like to know more?

Contact us on 1300 655 505 (8am - 8pm, 7 days a week).

Please note our security guarantee is not applicable to Corporate Online Banking.


Westpac Protect SMS code

Westpac Protect™ SMS Code helps protect you by using your mobile phone to confirm certain transactions via text message when you bank online.

It's quick, simple, doesn't interfere with the majority of your day to day banking. It also offers:

  • Increased security (free of charge)
  • A higher daily limit
  • The ability to instantly reset your Westpac Live password online if you've forgotten it
  • Flexibility to instantly increase your limit online
  • Same day 'Pay Anyone' payments to other Westpac accounts
  • Alerts to unauthorised activity
  • Access to additional payment types
  • Access to User administration functions for Administrators.

Registration is quick and easy

Take just 2 minutes to register. Personal customers, sign in to Westpac Live, select 'Preferences' from the 'Services and preferences' tab, then ‘Security’ and follow the simple step by step instructions. If you don't have a mobile number on file, you'll need to call us to register.

Administrators of Business networks can register their users for SMS Code by selecting the 'User administration' from the 'Services and preferences' tab once signed in, then click the arrow button next to the user's name and select the SMS Code option. Then follow the simple step-by-step instructions. If the user is already registered for a device, click more features link then 'security device'.
 

Diagram with 3 step explanation of how Westpac Protect SMS code works.

We'll send a new SMS code via text message to your mobile phone each time you need one. You will enter this code into Online Banking to confirm your transaction.

More information


SecurID® tokens

A SecurID® token is a small, portable device that generates a digital security code, which you use to securely authorise certain online transactions.

  • Increased security (free of charge for personal customers)
  • The ability to instantly reset your Westpac Live password online
  • Access to a higher daily payment limit
  • Same day 'Pay Anyone' payments to other Westpac accounts
  • The ability to update your personal details online
  • Access to additional payment types
  • Access to User administration functions for Administrators.

How to register? 

Personal customers, please call us on 1300 655 505 to register.

Administrators of Business networks can register their users for SecurID® Code by selecting 'User administration', from the 'Services and preferences' tab once signed in, then click the arrow button next to the user's name and select the SecurID® token option. Then follow the simple step-by-step instructions. If the user is already registered for a device, click more features link then 'security device'.

How much does it cost?

  • First 3 tokens - free
  • Additional tokens - $5.50 per month

  • Replacing lost or stolen tokens - $25.00 each

  • There are no fees for personal customers.

Security tips for using your token

  • Keep your token secure - it fits easily into a key ring or neck chain
  • If you lose your token, contact us immediately to cancel it or stop it being used
  • Treat your token with care - don't expose it to extreme temperatures.

Where to go for help


Security certificates

We've made it even easier for you to protect yourself online with Extended Validation Certificates, which add an added layer of security. Just look for the green address bar when using compatible browsers so you can be sure you're on a legitimate secure Westpac site.

Internet Explorer
Internet Explorer
 
 
Firefox
Firefox
 
 
Chrome
Chrome
 
 
Safari
Safari
 
 
Things you should know

BPAY® is a registered trademark of BPAY Pty Ltd ABN 69 079 137 518.

To view PDF files you need Adobe Acrobat Reader. Use Adobe's online PDF conversion tools to convert to another format.

SecurID is a registered trademark of EMC Corporation.