Smart money tools.

See all tools and resources

Track your spending

CashNav® is our free money management app that automatically tracks how much money you spend and then categorises what you spend it on.

Discover CashNav

Set up alerts

You can set up alerts on any Westpac account, to help you stay on top of what's happening with your money.

Set up alerts

Split your salary

Automatically move your regular income into multiple accounts with Salary Splitter.

Find out more


An overdraft can help to cover unexpected expenses or gaps between pay days, by providing extra funds within your approved limit when needed.

Why join Westpac?


Bank your way

Whether you prefer to visit us in branch, bank using your mobile when you're on the move, or simply sort your finances online while sitting at home; there's plenty of ways to bank with us.
Ways to bank

Pay with your mobile

Use your smartphone for secure, fast and easy contactless payments with Apple Pay or Google Payᵀᴹ¹.
Find out how

24/7 fraud protection

CardGuard® protects your cards and mobile payments, which means you can enjoy round-the-clock protection from fraudulent activity and unauthorised transactions at no extra cost.
How CardGuard protects you

New Zealand's first carbonzero certified bank

We've actively reduced our emissions in line with the Paris agreement, and offset the remainder by purchasing forestry carbon credits, to support the regeneration of native bush across New Zealand.
Learn more

Our commitments to New Zealand

We're proud sponsors and supporters of a range of important Kiwi institutions including the Rescue Helicopter Service, the Halberg Trust, the Sir Peter Blake Trust plus many more.
Learn more
Couple with suitcases preparing for travel

Things you should know.

Apple Pay and Google Pay are available to eligible Westpac debit and credit Mastercard customers. Customers also need a compatible Apple or Android device.

2 You must be a member of Air New Zealand’s Airpoints™ programme to earn Airpoints Dollarsᵀᴹ. Airpoints terms and conditions apply. Eligible purchases exclude cash withdrawals, payments for cash equivalents (e.g. travellers' cheques, money orders and gambling chips) and business-related purchases - see the Debit Card Conditions of Use for full details. Airpoints Dollars will be earned on the first $60,000 of eligible spend in each relevant month only. The relevant month is the statement period set out in your statement. Any spend over $60,000 on eligible purchases in each relevant month will not earn Airpoints Dollars.

Apple and Apple Pay are trademarks of Apple Inc., registered in the U.S. and other countries.

Google Pay is a trademark of Google LLC.

Mastercard® is a registered trademark and the circles design is a trademark of Mastercard International Incorporated.

Airpoints™ and Airpoints Dollars™ are registered trademarks of Air New Zealand Limited