How it works.

Mastercard® Identity Check works to keep you safer while you’re shopping online and helps ensure the only person making purchases with your credit or debit card is you¹.

Watch how it works:

Stay safe in three simple steps.


Making an unusual purchase

When you make a purchase at some online retailers with your Mastercard you may see an extra screen pop up while your payment is being processed. This could be because it’s a high-value purchase or one we think is unusual for you.


Receive a security text

We’ll instantly send you a passcode via text message to your phone. (That’s why it’s important we have your mobile number). 

Respond with passcode and complete transaction

Enter this passcode and we can then complete your transaction. It’s quick, easy and it won’t slow you down. It just keeps you safe. If you’re the main cardholder and you have additional cardholders on your account, please let them know we will be sending the Passcode to you – even if they are making the purchase.

Are your details up to date?

It’s important that we have your latest contact details including your mobile phone number and email address.

If we are unable to send the passcode to you, your transaction will not be approved.

You can update your details in Westpac One (or, here’s a helpful guide if you’re unsure how) or by calling us on 0800 400 600 (Weekdays 7am – 8pm and Saturday & Sunday 8am – 5pm).


Online safety with Westpac.

How to keep your information safe

Follow these simple steps to help ensure that you and your money are protected when you are banking online.

Learn more

Security features and Online Banking Guarantee

Learn about our online security features, Fraud team and how our Online Banking guarantee gives you peace of mind.

Learn more

How to spot a scam

Be aware of phishing emails, latest scams and security alerts, and what to do next.

Learn more

Next steps.

View more security features

Read more about how we keep you safe.

Learn more

Talk to us

Need further help?

Call 0800 400 600

Quick help.

Things you should know.

1 Mastercard Identity Check Terms of Service apply.

Eligibility criteria, lending criteria, terms and conditions apply. for the applicable card apply. Conditions of Use for the applicable card apply. Rates, transaction and services fees apply. 

Mastercard® is a registered trade mark and the circles design is a trade mark of Mastercard International Incorporated.