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Payment and Transfer options

So many secure payment methods with Online Banking and the Westpac App. From shopping splurges to paying bills we’ve got you covered.
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Secure ways to pay online

BSB and Account

To make a Funds Transfer using this method, you'll need the payee's 6-digit BSB and their account number.

Learn about Funds Transfers

PayID®

With PayID®, you pay using the payee's mobile number, which is preregistered with their account details.

Learn more about PayID®

BPAY®

Pay bills to over 45,000 businesses in Australia using the Biller code and Reference number they supply.1

Learn more about BPAY®

PayTo®

Useful alternative to Direct Debit. Set up recurring bills, memberships, subscriptions or one-off payments.

Learn more about PayTo®

Payments on the go with the Westpac App Payments $ menu

The Payments $ menu at the bottom of the App home screen takes you to a payments hub where you can:

  • Transfer between your accounts
  • Make payments using PayID®, BPAY® and PayTo®
  • Organise Cardless Cash
  • Set up a digital gift or donation
  • Deposit a cheque
  • Split group expenses
  • Request a payment

Signed, sealed, and delivered

Never miss a birthday or special event. Send a Digital Gift with your choice of digital card design or animated message.

Find out how

Access payments, cash and more online

Account transfer

Securely transfer unlimited funds between Westpac accounts online, set up recurring payments or schedule a transfer up to 24 months in advance.

Cardless Cash

Get cash out from an ATM without a credit or debit card. Ideal if you’ve left your card at home, locked it or are waiting on a new or replacement card.

Cheque deposit

Deposit cheques under $20,000 by taking a picture of the front and back of your cheque with your mobile before uploading to the Westpac App.

Recurring payments

Make repeat payments regularly for the same amount and a specific number of times, creating them for BPAY® and Funds Transfers. 

Send money overseas

Make secure international money transfers from your Westpac account into a designated overseas account,2 usually within 1-3 business days.

Split group expenses

Take the inconvenience out of shared payments and use Expense Splitter. From dinners out to shared bills you can organise your cash in a flash.

Discover all the ways to pay

Now you know about payment methods you can explore the ways to pay. There are lots of options. Perhaps you like to use a card, or maybe your phone or watch? Check out your secure payment options.

Learn more about mobile wallet

Westpac Protect™ Online Banking Security Guarantee

If your Westpac account is compromised due to Online Banking fraud, we guarantee to repay any missing funds, provided you complied with our Online Banking Terms and Conditions.
 


 

Westpac Protect Security Guarantee

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Contact us securely

Call us from the Westpac App to skip the security questions and talk to the right person.

Contact us in the Westpac App

Any questions?

Find your answers faster in our popular FAQ topics.

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Things you should know

Read the Westpac Online Banking Terms and Conditions (PDF 555KB) at westpac.com.au before making a decision and consider whether the product is right for you.

1. Account holders under 14 years old cannot make BPAY Payments in Online Banking. They can make BPAY payments through Telephone Banking.

2. Account holders under 14 years old cannot make International Payments in Online Banking. They can make International Payments in branch.

Westpac’s Online Banking Security Guarantee - If your Westpac account is compromised due to Online fraud, we guarantee to repay any missing funds, provided you complied with our Online Banking Terms and Conditions. This includes keeping your sign-in details (including passwords, Westpac Protect™ Security codes) private, not participating in the unauthorised transaction, and immediately notifying us when you suspect an unauthorised transaction or potential fraud on your accounts.

Registered to BPAY Pty Ltd ABN 69 079 137 518.

PayID® & PayTo® are registered trademarks of NPP Australia Limited.

Android, Google Play and the Google Play logo are trademarks of Google LLC.

Apple, the Apple logo and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.