Westpac Protect™
Westpac’s Fraud Money Back Guarantee
We can assist in getting back any missing funds from your card lost to fraudulent transactions
Westpac’s Online Banking Security Guarantee
Helping to protect your transactions from online fraud
Digital Card
Security
A digital version of your card with a dynamic security number that changes every 24 hours.
Find out more
Keep your details
up-to-date
If we detect suspicious activity on your account, its important your contact details are up to date.
Find out more
Westpac’s Fraud Money Back Guarantee
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 Visa Secure and Mastercard® Identity Check
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
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 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 (PDF 417KB) 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
Westpac Protect™ SMS Code helps protect you by using your mobile phone to confirm certain transactions and features 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)
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.
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 or feature.
More information
Registration is quick and easy
Change or update your Westpac Protect SMS Code from Westpac online banking or your app. Click here for more detailed steps.
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'.
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 or feature.
Report
Please report any suspicious activity immediately by calling 132 032 or +61 2 9155 7700 if overseas (available 24 hours a day, 7 days a week)