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How Mastercard® Identity Check protects your online card payments.

The Mastercard Identity Check one-time passcode adds an extra layer of security for high-value or unusual credit or debit card online transactions.

How it works.

We’ll send a 6-digit passcode to the mobile phone number we have for you.

When you enter the correct passcode during your online purchase, you confirm that you are the authorised cardholder and your purchase continues.

If the incorrect passcode is entered, the purchase is stopped. Mastercard Identity Check automatically applies to all Westpac Mastercard debit and credit cards.

If you don’t get a passcode.

Check or change your personal details in Westpac One® digital banking.

In the app choose More > Profile > Personal Details, in online banking to go Profile > Personal Details. Learn more about changing your details.

Learn more.

CardGuard® security More cards how-to guides When am I going to be asked the security questions I set up?

Things you should know.

Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated.

Conditions of Use for the applicable card apply. Rates, transaction and services fees apply.