We'll be going cheque-free after 25 June 2021

What's happening?

Most of our customers now prefer the speed, safety and convenience of making and receiving payments digitally, and as a result we have seen a large decline in the use of cheques. That’s why we’ve decided to end the use of cheques as a method of payment after 25 June 2021.

We know some customers may be worried about adapting to the new ways to pay. Rest assured, we’ll be here to support you as we make these changes over the next few months. This means you'll have some time to get used to other quicker and more secure ways to pay.

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What's changing?

  • 16 November 2020 - Foreign cheques under $500 no longer accepted.
  • 27 November 2020 - Last day cheque books will be automatically issued. And last day to open new cheque facilities.
  • 26 March 2021 - Last day you'll be able to manually order cheque books or bank cheques.
  • 25 June 2021 - Last day Westpac will accept cheques, and Westpac cheques no longer accepted at other banks.

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Making payments online with Westpac One® online banking

You can make payments online using Westpac One online banking, the easy, fast and safe way to bank whenever, wherever, 24/7. Learn more about getting setup – here.

Help those you care for be confident to bank online by practicing on our demo site using pretend money and accounts.

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wo accounts

Make a one-off payment

An easy and convenient way of making or receiving a payment is electronically via Westpac One online banking.

Check out the handy how-to guides on making payments online rather than by cheque.

wo payment and transfers

Make regular payments

Automatic payments: Simply select who you need to pay, the amount and the frequency of payments. Find out how.

Make a bill payment: It’s never been easier to pay your bills online. Find out how.

set forget payments

Make payments to IRD

IRD has now stopped accepting cheque payments as of March 2020. But it's simple to make a tax payment to the IRD using Westpac One Online Banking. Check out our handy how-to guide to step you through the process.

Westpac Credit Card Insurance

Pay your credit card

Check out our handy how to guide to step you through the process.

international payments

Make an overseas payment

Follow the steps in the handy how to guide.

Other ways to pay

Phone banking
For a wide range of banking services available 24/7 over the phone, you can use our free Phone Banking service. This includes the ability to pay individuals or organisations you have set up as Bill Payees.

Direct Debits
Direct debits are regular payments that are set up with an organisation to take money out of your account for payments such as rates and power. The amounts can vary each payment cycle. To set up or cancel direct debits you will need to contact the organisation directly.

With an everyday card in your pocket, you’re all set to go. We have a range of card options which you can use to make payments:
Debit Mastercard
Prepaid Cards
Credit Cards

Using a Westpac ATM or Smart ATM, you can withdraw or deposit cash, pay bills and transfer funds between accounts. Find your closest ATM.

In branch
We offer a wide range of services in our branches – find your local branch.

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What if I'm a business?

If you use or receive cheques as part of your business and would like help transitioning to online payments solutions here are some alternative options we offer.

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Additional support

We know for some customers this change is going to be an adjustment.  To help you through this change we have some additional resources available.


Our partnership with SeniorNet helps you adapt to new technologies and alternative banking methods. Westpac and SeniorNet offer an array of fun and interactive learning experiences for those who are starting to use new digital technologies, to those looking for some basic tips and tricks. Your learning can be supported through both face-to-face and online workshops.
If you’d like to know more visit www.seniornet.co.nz or call 0800 280 742.

Online workshops

We continue to host free online seminars on a variety of topics including Keeping Safe Online and Confidence with Banking.
Keep an eye out for upcoming sessions and register your interest via our Facebook page.

We're here to help

If you would like help with the discontinuation of cheques, or other payment options available to you, pop into a branch or call us on 0800 808 004 weekdays between 7 am – 8 pm or Saturday & Sunday between 8 am – 5 pm or from overseas +64 9 912 8000 (international toll charges apply).

If you need a hand with our ATMs or with finding your way around Westpac One®, we have Digital Ambassadors in branch who’d love to help.

If you’re a relationship-managed customer, please talk to your Relationship Manager.

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General FAQs

Any Westpac cheques will not be honoured after 25 June 2021, regardless of where they are deposited.

Unfortunately, we will no longer accept any cheque deposits after 25 June 2021. If you receive a cheque, you’ll need to contact the person who gave it to you and ask them to pay you directly into your bank account.

If needed, please call us on 0800 808 004 or come into branch to order a cheque book manually. Or if you have a Relationship Manager please reach out to them.

Otherwise, now is a good time to start transitioning to alternative payment methods.

Cheques are not legal tender in New Zealand, rather they are a method of payment. People and businesses are not required to accept cheques. Cash (notes and coins) are the only legal tender in New Zealand.

There are alternative methods that don’t involve using cheques – however, the best solution for you depends on your specific needs. If you have a Relationship Manager feel free to reach out to them, otherwise give us a call on 0800 808 004 or visit your nearest branch for help on this change.

Other ways to pay or get paid

Online banking remains the quickest and safest means of paying people and organisations in New Zealand on any smartphone, tablet or computer. If you don’t have Westpac One access, visit our website to learn more or call us on 0800 808 004.

For regular payments of a fixed amount, you can set up an automatic payment to a regular payee in Westpac One. See here for a handy guide on setting this up.

If the amount you pay can vary each time, or you don’t wish to set up an Automatic Payment, setting up a bill payment or a direct debit may be a more suitable option. To set up a new Direct Debit arrangement with a particular company, please ask them for a copy of their Direct Debit form.

To receive a payment as an individual the easiest option is usually to provide your account number to the payer so they can pay you via internet banking.

We understand that charities in New Zealand still receive a significant number of cheques from donors. With the banking and payments industries moving away from cheques, we want to make sure you are as prepared as possible and ready to take alternative sources of donations.

Accepting card payments online allows recurring payments from a card to guarantee regular donations while improving cash flow, with same-day credit into your organisation’s Westpac account.

For a tailored solution, you can also talk to your Relationship Manager at Westpac or give us a call on 0800 177 188.

Online Banking

Learn more about getting setup for Westpac One online banking here.

If you don’t have access to the internet you can still pay bills and set up automatic payments via Phone Banking on 0800 172 172 or by talking to someone in our contact centre on 0800 808 004.

Alternatively, all of our Westpac branches have free WiFi and our friendly branch staff will be able to assist you.

At Westpac we’re committed to protecting you from online fraud and making your online experience as safe as possible with the help of security features and a dedicated online banking fraud team. We are so confident in our systems that we even offer an Online Banking guarantee – find out more here.

To keep yourself safe online, please remember the following:

  • Never give your card PIN number or online banking username and password to anyone
  • Don’t let anyone else use your card 
  • Don’t write down your PIN number
  • Check your account balances regularly
  • Notify your bank immediately if you have lost your card or disclosed your PIN number

You can find some more helpful tips here.

Business FAQs

We’ve set up a 5-step plan that may be helpful for your business to move to better ways to pay:

  1. Stop issuing cheques. Start thinking about your outgoing cheques since you have complete control over that. For example, if you’re paying your suppliers, you can ask for their bank account details so that you can pay them that way next time.
  2. Start telling your customers you’re stopping cheques. Start communicating to your customers early the date you are stopping the acceptance of cheques. Depending on the volume and your preferred payment option, it is important to give your customers at least 1-2 months to setup and make sure they can pay you using your preferred payment method.
  3. Remove any mention of ‘cheque’ in your communications. Have a think on where you mention cheques like website, invoices, marketing materials and revise them to exclude cheques.
  4. Use a targeted approach. After about 2-3 months from your communication to stop cheques, take a more targeted approach to those still paying you by cheques. You can remind them by saying “Thanks for your payment, we noticed it’s by cheque. Are you aware that banks are getting out of cheques? Here are some of our alternative payment methods available for you next time you make payment.”
  5. Make it clear that you are no longer accepting cheques. The last step is to take a firmer approach. When you receive payment by cheque from your customer, you should inform them that you won’t be able to accept cheques on their next payment and that the next payment should be done through any of your alternative payment methods.

For further information, watch our video.

There are alternative methods that don’t involve using cheques – however, the best solution for you depends on your specific needs. Talk to your Relationship Manager for help on this change.

  • Westpac One: is best for individuals and sole traders
  • Business Online: is best for small to medium businesses

Visit Compare online solutions and use our handy comparison table to find the online service that’s right for your business.

Foreign cheques and bank drafts

International Bank Drafts will no longer be issued from 16 November 2020. Find more information here. If you wish to send a payment to an overseas beneficiary after 16 November you can either remit funds by telegraphic transfer (more information) to the beneficiary’s account or see if they can accept a debit/credit card payment.

Effective 16 November 2020, we’re making changes to the way we handle the deposit of foreign cheques and bank drafts into Westpac accounts. We will only handle foreign cheques where the deposit is over NZ$500 for certain currencies and this will be on a collection basis only after this date. Find more information here.

Internet or phone banking transactions can be processed within the same business day, offering a quicker and cheaper alternative to Bank Cheques. For large payments you may need to lift your daily internet banking limit by giving us a call.