Westpac, Australia's first bank, was the first of the Australian banks to launch internet banking in 1995. Since then, the days of queuing up at a bank, or even lining up at an ATM have largely become a thing of the past for most banks and many people. In fact, banking has become less about somewhere you go, and more about something you do on the go.
If you choose to open a Westpac Choice everyday bank account (also known as a transaction account), you’ll also get a linked Debit Mastercard® to access your money. Your Debit Mastercard has all the benefits of a Mastercard credit card, but you’ll be accessing your own money, instead of money you’ll have to pay back.
You can use your debit card to shop online, in stores, or to make cash withdrawals at ATMs, and you can use it anywhere around the world where Mastercard® is accepted.
In case you lose your card, you can temporarily lock it with the Card on Hold security feature in the Westpac App or via Online Banking. Digital cards, mobile wallets and wearables are also locked. You can unlock your card anytime you find it (24/7).
If a physical card isn’t for you, or you leave your wallet at home, you can access the digital version of your card via the Westpac App. It has all the features of your physical card to shop online, pay bills, and make in-app purchases. Add it to your smartphone or watch’s digital wallet to shop in-store.
You can access your digital card before your Debit Mastercard arrives in the mail, so you can start using it immediately.
Withdrawing cash at ATMs (Automated Teller Machines) in Australia is generally a straightforward and accessible process. As a Westpac customer, you’ll pay no ATM withdrawal fees at Westpac Group ATMs in Australia and overseas through our Global ATM Alliance.
You can search for a Westpac ATM or branch online or via the Westpac App.
Westpac customers have a default daily withdrawal limit of $1,000 cash at ATMs. You can change your daily withdrawal limit securely from Online Banking or the Westpac App.
Whether you’re going for a walk, stopping for a coffee, or heading out hands-free for the day, you can carry your eligible Westpac cards on your smartphone or payment wearables such as Fitbit Pay™ and Garmin Pay™.
You can travel light and still make on-the-go payments.
EFTPOS (Electronic Funds Transfer at Point of Sale) is a form of payment at any card machine that accepts debit and credit card payments, including mobile phones, smart watches and other wearable payment methods. At many EFTPOS terminals, you can pay or withdraw cash by simply tapping your card to the terminal, with no PIN required for transactions under $100.
One way to manage your banking on the go is through the Westpac App and Online Banking. Some of the most common services you can access online include:
The Westpac Mobile Banking App also has some handy budgeting tools for you to track your spending each month, compare your spending across categories, and follow your ins and outs.
We’ve come a long way since internet banking was launched in 1995. Whether it’s using a debit card, withdrawing cash at an ATM, using wearable ways to pay, or a combination of these, Westpac offers a range of options and conveniences to suit you, no matter how you choose to access your money.
For Westpac issued products, conditions, fees and charges apply. These may change or we may introduce new ones in the future. Full details are available on request. This information does not take your personal objectives, circumstances or needs into account. Consider its appropriateness to these factors before acing on it. Read the disclosure documents for your selected product or service, including the Terms and Conditions, before deciding. Target Market Determinations for the products are available.
Fees and charges may apply for international money transfers.
The information in this article is general in nature (including any tax information provided) and does not take your objectives, financial situation or needs into account and does not constitute tax advice. Consider its appropriateness to these factors; and we recommend you seek independent professional legal and/or financial advice about your specific circumstances before making any decisions.