• Shop online without a card.
  • Payments are made instantly.
  • There's no need to have a debit or credit card to purchase online.

Shop without your card.

Use Online EFTPOS to pay for things directly from your Westpac One online banking app. You don’t need your bank card, just a registered mobile number or customer ID.

How to get started.


You need

Westpac One and a Westpac Everyday account, Simple Saver or Choices Everyday account. Also ensure your mobile number is registered and authenticated.

Choose payment method

At the checkout select online EFTPOS.


Enter your registered mobile number or customer ID and select 'send payment request'.


Log in to Westpac One, choose your account and authorise your payment. Easy.

Next steps.

Register for Westpac One

Call us any time from 8am – 6pm weekdays, 9am – 3pm weekends. Or visit your local branch.

Call 0800 400 600

Using Westpac One

We have a range of How to guides to help with using Westpac One.

Learn more

Open an account

If you're new to Westpac, you can apply online in minutes for a transaction account and debit card. Have your NZ passport or driver licence on hand for verification.

Apply online