What if I don't have enough money in my account on a planned payment date?

If you don't have enough money in your account the payment won't be processed overnight.

If it's an Automatic Payment

• We will automatically retry the payment in the evening and if necessary the next day, following the planned payment date; unless you cancel or suspend the payment (see instructions below)
• If the payment fails the second and third times it will show as a "Failed transaction" on your list
• Westpac no longer charges Dishonour fees.

If it's a Bill Payment

• We will automatically retry the payment in the evening and if necessary the next day, following the planned payment date; unless you cancel or amend the payment (see instructions below)
• If the payment fails the second and third times it will show as a "Failed transaction" on your list.

When you login to Online Banking you will

• See a note on your welcome screen that will inform you that one or some of your payments have failed, but will be retried
• Have the option to amend or cancel these payments by selecting 'View/amend planned transactions and APs'.

Get more information on payment retry.