Help with Business Online Banking

You can find all of our fees, charges and processing times here. Remember, if you need any help with anything just give us a call.


If you have any questions or just need a hand using Business Online Banking, give our helpdesk a call on 

0800 337 522 (Monday to Friday, 8am to 8pm)

or +64 4 499 0410  if you are calling from overseas (international toll charges will apply).

You can also download our Business Online User Guide a handy reference guide for making the most of Business Online Banking.

Use the 'Ask Westpac' function on this page to answer your Business Online questions, just enter 'Business Online ' to bring up all the answers.

Fees and charges

Business Online Banking - Fees & charges
All fees will be charged to your nominated billing account. You can view a breakdown of your monthly charges by using the Business Online Bank 'reports' function (click on the 'Balances and Reporting' option on your main menu). Find more information on business account fees, here.
DescriptionTypeFee amount
Monthly subscription fee
Self service administration
Administrator only (e.g. Add/amend users; reset login and password details); set up account/function entitlements; create/amend transaction and/or daily limits
Automatic payments
to set up Free
to amend Free
Bulk payments and transfers
19c per item
Bulk direct debits
19c per item
International Payments
Note: Transfers from and between your CFCA accounts are free of charge.
$10 per item

Other electronic transaction fees that may apply include:
  · transfers
  · single payments—including tax
  · direct credits/debits
  · automatic payments

Processing times

You can create and authorise transactions any time of the day or night, but applicable cut-off times will affect the transaction processing date.

Current cut-off times from Monday to Friday, excluding public holidays, are:

FunctionProcessing cut-off time
Transfers between your Westpac accounts 11:30pm
Payments - single and bulk 11:30pm
Automatic payment - new/amends 10:00pm
Direct debits 10:00pm


Before overnight processing, all transactions:

  • must be fully authorised by the required number of authorisers

If a transaction is not fully authorised before the cut-off time it will:

  • not be processed
  • remain either ‘ready to authorise’ or ‘partially authorised’ until either deleted or fully authorised

Once the transaction is fully authorised, it will be processed:

  • either on the next available processing date
  • or on the due date specified for a future-dated transaction