CardGuard® security.

Your debit and credit card transactions are screened using sophisticated monitoring software that alerts us to anything suspicious. We can block your card if needed, and contact you about any suspected fraud, anywhere in the world¹.

You won’t be held responsible for any fraudulent transactions on your card if it’s lost or stolen, or you think someone may know the PIN¹, provided you notify us as soon as possible and have not acted fraudulently or negligently. You must also have complied with the card’s Conditions of Use.

You can set up alerts for all kinds of banking activity such as when your account balance dips below a certain level, when your latest statement is ready to view online, if your online banking password is changed and more.

All Westpac credit cards (including reissued and replacement cards) come with an embedded microchip, for your added security.
The microchip sits within the plastic of the card and stores your card account information in a coded format, rather than on the magnetic stripe on the back of the card.
This makes it more difficult for someone to fraudulently copy your card details (often referred to as ‘skimming’).

We monitor your online banking activity, watching out for anything that could be fraudulent behaviour. If something suspicious like a login from a foreign country occurs, Online Guardian will alert our Online Trust and Security team, and you may be asked to authenticate your identity through a security question or verification code.

Mastercard Identity Check is an extra layer of security when you’re shopping online².

How to stay safe while you’re using your card online and in-store.

Tips and information to keep you informed about your credit card.