If you want to cash or deposit a Westpac cheque, here’s a complete guide on how to do it through a branch or mobile app, including fees, overdraft options, and chequebook ordering.
Cashing and Depositing Westpac Cheques
A client can make cashing cheques of Westpac at the bank’s branch; just take your identity document (such as a passport or driver's licence).
You can also make a Westpac cheque deposit via the Westpac mobile application. To do so, follow these steps:
- Enter the app
- Click “Self serve” > “Account services” > “Cheque deposit”
- Input the cheque sum and choose the deposited account
- Photograph the front and back of the cheque and submit
Deposits via the app are subject to a daily and weekly limit (usually $20,000 over 7 days) and typically clear within 3 business days.
Westpac Bank Cheque Fee
The cost of issuing a bank cheque at Westpac is currently 10 AUD. A dishonour fee of 20 AUD may apply if a cheque does not clear.
Overdraft Option on Cheque Accounts
A client can overdraw his Westpac cheque account if an overdraft option is added. This allows the account to go below zero up to a pre-approved limit.
How to Order a Chequebook
To order a Westpac chequebook, a client should:
- Phone 132-142 for business accounts
- Phone 132-032 for personal accounts
- Or visit the nearest Westpac branch
Additional Options
Clients may also deposit cheques using Westpac ATMs (up to 40 cheques per transaction), or through cardless deposit in some branches. Cheques are processed according to standard clearing times.
Note: All information is current as of July 2025. For specific account conditions or the latest updates, visit the official Westpac website or use the Westpac mobile app.
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Depositing a Cheque with Westpac
You can generally deposit a bank cheque into your Westpac account without needing to visit a branch. Most customers have the option to use the mobile banking app for smaller amounts, or access a Smart ATM and participating Australia Post outlets for larger deposits.
Understanding the processing times and limits for each method helps you decide the most efficient way to access your funds. This guide details how to deposit a cheque securely and what to do if you encounter common system errors.
Key Deposit Information
| Category | Details |
|---|---|
| Deposit Methods | Mobile banking app, Westpac Smart ATM, Bank@Post, or in-branch. |
| Processing Time | Typically 3 business days for App, ATM, and Branch. Bank@Post may take up to 7 business days. |
| Eligibility | Mobile deposits require an eligible Westpac transaction or savings account and a compatible smartphone. |
| Key Requirements | Cheques must be in Australian dollars. Mobile deposits are limited to $5,000 per 7-day period. Keep the physical cheque for 14 days. |
Cashing and Depositing Westpac Cheques
A client can make cashing cheques of Westpac at the bank’s branch; just take your identity document (such as a passport or driver's licence).
You can also make a Westpac cheque deposit via the Westpac mobile application. To do so, follow these steps:
- Enter the app
- Click “Self serve” > “Account services” > “Cheque deposit”
- Input the cheque sum and choose the deposited account
- Photograph the front and back of the cheque and submit
Deposits via the app are subject to a daily and weekly limit (usually $20,000 over 7 days) and typically clear within 3 business days.
Troubleshooting Common Issues
Depending on the situation, you might encounter technical issues when depositing. Here is how to resolve them.
- MFA / Login Issues:
Cause: A biometric mismatch or a delayed SMS one-time passcode can stop you from logging into the app.
Fix: Cancel the FaceID or fingerprint prompt and manually enter your Customer ID and password.
Fallback: Contact Westpac telephone banking to reset your secure access. - Browser or App Errors:
Cause: The app may reject the cheque image if the lighting creates glare or if the edges are cropped, preventing the system from reading the MICR code.
Fix: Move to an area with natural light, place the cheque on a contrasting surface, and hold the phone directly parallel to the paper.
Fallback: Take the physical cheque to a Westpac Smart ATM to complete the deposit automatically. - Locked Account / ID / Access Issues:
Cause: Submitting the same cheque twice or exceeding the $5,000 mobile deposit limit triggers a fraud prevention lock on the deposit feature.
Fix: Wait to see if the system clears the timeout, and verify your 7-day deposit history to ensure you haven't exceeded the rolling limit.
Fallback: Call Westpac support or visit a branch with your physical ID and the cheque to clear the security flag.
Pro-Tip: After successfully submitting a cheque through the app, write "Deposited electronically" and the date on the back. This typically prevents you from accidentally scanning it again, which triggers security flags and delays your funds.
Frequently Asked Questions
Why are my deposited funds not available yet?
When you deposit a cheque via the app or ATM, the money usually appears in your account balance but remains uncleared. The banking network requires 3 business days to verify the funds with the issuing bank. If you scan the cheque after 9:00 PM AEST or on a weekend, the processing cycle does not start until the next business day. If 4 full business days have passed without clearance, check your app notifications for a dishonour notice or contact Westpac with your deposit receipt.
What should I do if my cheque exceeds the mobile deposit limit?
A customer attempting to deposit a $7,000 insurance payout via the app will find the transaction blocked. Westpac restricts mobile cheque
