How do joint accounts and payments approvals work in digital banking?

Joint accounts

If you want to make digital transfers or payments from a joint account without the other person's approval, each person needs to be set up with their own:

• Westpac One® digital banking profile
• Customer ID and password
• Security challenge questions for Online Guardian (one of the ways we keep your account secure).

You can transfer and make payments from joint accounts in your app or in online banking. 

If I want a second person to approve payments and transfers

If you're involved in a club, charity or business and you want another person to authorise payments or transfers before they are made, use this comparison table to choose the digital banking service that's right for you.

Learn more about our banking services

• Digital banking with Westpac One 
• Ways to business bank