Daily limits in Westpac

If you're a Westpac customer and want to see how to change your daily limits, here's an updated guide with current default thresholds and how to adjust them.

Default Westpac Daily Limits

Westpac sets the following default limits for its banking operations:

• ✔ Westpac debit Mastercard cash withdrawal limit – 1,000 AUD per day; weekly spend limit also manageable via the app
• ✔ Westpac transfer limit (Online Banking/App) – 750 AUD per day
• ✔ Westpac daily ATM withdrawal limit – 3,000 AUD domestically; 2,000 AUD overseas
• ✔ Westpac daily EFTPOS limit – 10,000 AUD per day
• ✔ Westpac BPAY limit – 10,000 AUD per day

How to Change Your Limits

A client can change the banking limits in several ways:

• ✔ In Online Banking: go to Service → Preferences → Daily Payment Limit, select "Update my Daily Payment Limit", adjust via slider or entry, then Save
• ✔ In Westpac App: search “Daily payment limit” via Smart Search, enter desired new limit, then Save
• ✔ By phone: call Westpac on 132 032
• ✔ Alternatively, visit a Westpac branch to request changes in person

How to Change Debit Mastercard Limits

To update card-specific limits:

• ✔ In Westpac App: search “Change Debit Mastercard limit”, select the card, update the transaction and cash withdrawal limits, then submit 
• ✔ In Online Banking: Service → Change Debit Mastercard limit, choose card, adjust limits, then Submit

Why and When to Adjust Limits

• ✔ To support larger transfers or ATM withdrawals when needed
• ✔ To reduce fraud risk, by lowering limits when high limits not required
• ✔ To coordinate with joint account holders – any daily payment limit is shared with all authorised users 

Final Thoughts

You have full control over your Westpac daily limits: default settings are tailored for everyday banking, but you can easily adjust them via Online Banking, the App, phone or in-branch. Whether you're planning a large transaction or managing security, updating your limits is quick and secure.

Note: All limits and procedures are accurate as of July 2025. For the latest updates, always check Westpac’s official site or contact customer support.