SaferPay
We may ask questions if a payment looks like a scam.
What is Westpac SaferPay?
Westpac SaferPay is designed to help detect a potential scam payment.
If we suspect you’re making a payment to a potential scammer, we’ll prompt you with a few quick questions to get more information, allowing us to help pinpoint and block a potential scam transaction.
How it works
1. While making your payment
If we spot a warning sign on your payment, we’ll ask you about it. The extra questions will only appear when we detect a potential scam.
2. Stopping scammers in their tracks
If your answers raise concerns, we’ll prevent the money from leaving your account. We’ll be sure to give you information along the way.
3. Extra protection in less than 1 minute
If you’ve been targeted by scammers, answering these questions could save you time and money in the long run.
Let's stop scams together
In 2025, Australians lost over $2.18 billion* to scams.
This feature adds an extra layer of protection to your payments.
Frequently Asked Questions
There’s no need to activate this feature. If we suspect your payment is a higher risk of being a scam, we will prompt you automatically.
If we’ve categorised your payment as consistent with scam activity, the payment won’t be processed.
We are asking you these questions because a payment you’re making has been flagged as being at a higher risk of being a scam. Westpac SaferPay is designed to protect you from experiencing financial loss to scammers. Scammers use various techniques to trick you into performing transactions to steal your money.
Westpac SaferPay was introduced to the Westpac App in mid 2024 and will gradually be introduced to all digital ways of banking by 2025.
Help when you need it
Explore security features
Learn how each works so you can act quickly and confidently if something doesn't feel right.
Things you should know
* Report of the National Anti-Scam Centre on scam activity 2025 - https://www.nasc.gov.au/system/files/targeting-scams-report-2025.pdf
Westpac’s Online Banking Security Guarantee: 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. You must inform us immediately if you suspect the security of your access details has been compromised, or you suspect an unauthorised transaction or potential fraud on your accounts.