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What is Westpac SaferPay? 

As an Australian banking first, we now do additional screening on every payment with artificial intelligence (AI). 

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 potential red flag 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, it could save you time and money in the long run. 


Let’s stop scams together

In 2023, Australians lost over $476 million* 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. 

Things you should know

* Scamwatch statistics for 2023.

If your Westpac account is compromised as a result of online fraud, we guarantee to repay any missing funds, providing you comply with our Westpac 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. Please refer to the Westpac Online Banking Terms and Conditions (PDF 417KB).