Making things simpler for you.

1. Why are you closing my EFTPOS card? 

As you haven’t used your EFTPOS card in the last 12 months, it will be closed from the date shown in the communications we recently sent to you.

2. Do I need to cancel my EFTPOS card myself?

No, there’s nothing you need to do. Your EFTPOS card will be automatically closed from the date shown in the communications we recently sent to you.

3. Will my bank account also be closed?

No, there will be no changes to any of your bank accounts. Only your EFTPOS card will be closed.

4. Will I lose access to my account?

Access to your account through Westpac One® digital banking will not be affected. You’ll be able to  make transactions, such as transfers and bill payments, even without an EFTPOS card.

If you would like a card to access your account, you can apply for a Debit Mastercard through Westpac One. A Debit Mastercard can be used for everyday purchases wherever Mastercard is accepted, including online and contactless payments.

5. Will this affect my direct debits or automatic payments?

No, your direct debits and automatic payments won’t be affected. These are linked to your account, so they’ll continue as usual even after your EFTPOS card is closed.

6. What should I do if I want to keep card access to my account?

If you don’t already have one, you can apply for a Debit Mastercard through Westpac One. A Debit card is a secure way to pay with your own money, just like an EFTPOS card. Plus, you can use Westpac One to turn on and off contactless, online and phone payments, temporarily block your card and change your PIN.

If you don’t want your EFTPOS card closed, simply use it to make a payment or withdraw cash before the date shown in the communications we sent to you recently.

7. How can I avoid card payment surcharges when paying with a debit card?

Some retailers may add a card payment surcharge on top of the purchase price when customers make a contactless payment with a debit card. To avoid paying a card payment surcharge, make sure you insert your debit card into the payment terminal when paying in-store.

You can also choose to permanently turn off contactless payments on your card. Just go to the Cards section in Westpac One, choose your card, and toggle the Contactless payments button to off.

8. How do I keep my EFTPOS card if it’s past the closure date?

If your EFTPOS card has been closed, and you need a card to access your account, you can apply for a Debit Mastercard through Westpac One. A Debit card is a secure way to pay with your own money, just like an EFTPOS card. Plus, you can use Westpac One to turn on and off contactless, online and phone payments, temporarily block your card and change your PIN.

If you would prefer an EFTPOS card, please visit your nearest branch.

9. How do I get a Debit Mastercard?

Log in to Westpac One digital banking and order a Debit Mastercard in three easy steps:

1. Navigate to the Accounts section and click Open/Apply.
2. Click Apply in the Cards section.
3. Click Apply in the Debit cards section and follow the steps.

10. How do I get a replacement Debit Mastercard if mine is lost, stolen or damaged?

You can order a replacement card in three easy steps:

If you use the Westpac One app:

1. Log in to the Westpac One app and head to the Cards tab in the bottom menu.
2. Choose your Debit Mastercard.
3. Select Lost or stolen card or Damaged card and follow the steps.

If you use Westpac One digital banking:

1. Log in to Westpac One digital banking and select Manage Cards from the side menu.
2. Choose your Debit Mastercard.
3. Select Lost or stolen card or Damaged card and follow the steps

A $10 card replacement fee applies if your card has been lost or damaged. If you order your replacement card before your EFTPOS card is closed, we will refund the $10 fee to your account. Refunds will be applied within 30 business days after the date your EFTPOS card is scheduled for closure. You can find your EFTPOS card closure date in the communications we recently sent to you.

11. Why was I charged a $10 fee when I ordered a replacement Debit Mastercard?

A $10 card replacement fee applies when you order a replacement Debit Mastercard and select either the Lost card or Damaged card option. If you order your replacement card before your EFTPOS card closure date specified in the communications we recently sent to you, we will refund the $10 fee to your account. Refunds will be applied within 30 business days after the EFTPOS card closure date. If you haven’t received your $10 fee refund within this timeframe, please contact us on 0800 400 600.

12. What’s the difference between a Debit Mastercard and an EFTPOS card?

A Debit Mastercard uses the money in your account when you want to make payments or withdraw cash, with no annual card fee, just like an EFTPOS card. Plus, you can:

13. Does a Debit Mastercard have an annual card fee?

No, there is no annual card fee for a Debit Mastercard. There is a $15 annual card fee for an Airpoints^TM Debit Mastercard.

14. Is a Debit Mastercard protected against fraud?

Westpac’s Zero Liability Protection means you won’t be held responsible for fraudulent transactions, if you report them promptly and haven’t contributed to the loss and have complied with the card’s Conditions of Use. For more information, see CardGuard® security.

15. How can I dispose of my EFTPOS card securely?

To securely dispose of your EFTPOS card, cut it up into small pieces through the magnetic strip, before throwing it away.