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'.

Will I be charged for my SecurID® token?

• No, Westpac Live Online Banking does not charge a fee for either Personal or Business 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.

There are many different types of credit card fraud, but at its simplest, is when someone obtains your card details and make transactions on your card without you knowing
 

You may not be aware that your card has been used fraudulently until:
 

• You receive your statement and find there are transactions that you didn’t make
• Our Fraud Detection Team advises you on unusual activity on your card and asks if the charges are yours
• We send you an SMS (text) to confirm a transaction, and ask you to text back with your confirmation.
   

What does Westpac do when there is suspected fraud on your card?
 

• We’ll stop your card and companion cards (and the card of any additional cardholders) and issue new cards
• We will provide you with a case number and send you a 'Transaction Investigation Request' form which outlines the list of transactions you believe are fraudulent
• You’ll need to confirm the details and sign the form then return it to us within 14 days of receipt
• We’ll complete the investigation and if the decision is in your favour, refund the fraudulent transactions. Cases can take up to 21 working days to be resolved.

Secure Online Shopping

When you're shopping with participating online retailers, Mastercard Identity Check™ and Visa Secure services work with Westpac to authenticate your transaction using a One Time Password to ensure that it is really you making the purchase. This additional layer of security is provided to you free of charge through Westpac's Secure Online Shopping service.

Your One Time Password will be sent to your nominated mobile number or email address that you have provided to Westpac. Once received, you will need to enter that password into the One Time Password field to complete your transaction. 

Corporate Cards: Please contact your account administrator to update your mobile and email details. Alternatively, please call the Commercial Cards Line on 1300 650 107.

More information?

• Check out these Frequently Asked Questions
• View the Terms and Conditions (PDF 42KB)
• Call 132 032, 24 hours a day, 7 days a week. If overseas, call, +61 2 9155 7700
• Find out how to update your details.