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Our 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 Westpac Live 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 potential fraud on your accounts.

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

Westpac Protect

A SecurID® token is a small, portable device that generates a digital security code, which you use to securely authorise certain online transactions and features. Tokens are ideal if you are travelling or in a low mobile service/reception area.

It also offers:

Increased security (free of charge)

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.

Security tips for using your token

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

How 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?

  • The following token fees may apply for Business networks:
  • 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.

Westpac Online Banking is protected by our market-leading technology Westpac Protect™ Adaptive Authentication – a comprehensive, real-time, authentication and fraud detection platform that monitors your banking behaviour.

SecurID Tokens and Westpac Protect SMS are part of our Adaptive Authentication technology, allowing us to request that you enter a code to authenticate a transaction or access a feature.  This verifies that a genuine action is being performed by you, the authorised person.  

Adaptive Authentication allows us to get to know your digital identity, making it easier for us to detect unusual activity and alert you to it.  It also makes your online banking experience easier by minimising the need for security codes to be entered when we are confident you are performing the activity.

Our Card Fraud Guarantee

We have a number of processes and best practice solutions in place to help protect and reduce incidents of fraud. These include:


Online Transaction Security Guarantee - means you will not be liable for the amount of any online transaction made without your knowledge or consent providing we're notified of that transaction before the due date shown on the card account statement.

24/7 Fraud Protection - monitoring every transaction for irregular or suspicious activity. If a suspicious transaction is detected, our fraud specialists will call you to verify the transaction.

CHIP technology - uses a microchip embedded in your credit card to securely store personal data (e.g. your name, card number and expiry date) rather than storing it on the magnetic stripe on the back of the card. CHIP is a more effective counter-measure against counterfeit and skimming fraud

Safer online shopping with Visa and Mastercard® when you shop at participating online retailers registered with Verified by Visa and Mastercard® SecureCode™

Secure Payments - this unique mark is your assurance that the merchant is processing your credit card details securely over the Internet using a Westpac-accredited Internet payment security system.

Pin – using a Pin for your purchases will help ensure that no one is able to make transactions over $100 if your card is lost or stolen 



Please report any suspicious activity immediately by calling 132 032 or (+612) 9293 9270 if overseas (available 24 hours a day, 7 days a week)