Westpac One NZ Mobile Banking

Westpac New Zealand Limited

About this app

Westpac One® is digital banking that’s easier, faster, smarter and safer than ever before.

It gives you everything you’d expect – open accounts, apply for credit cards and loans, open or renew term deposits, transfer money and pay people – all from your phone or tablet.

But there’s more.
Use your fingerprint or Face ID for fast, secure access.

For loans.
- Fix or re-fix your home loan.
- Adjust your repayments to pay off your home loan sooner.
- Check how much time or interest you could save before you make a change.

Payments.
- Check payments and merchant contact details in real time.
- Copy or share payment receipts.
- Pay someone overseas fee-free.
- Search or filter all your payments across all your accounts and cards in one place.

Cards.
- Set or reset your card PIN.
- Instantly block and unblock your credit or debit cards.
- Shop online safely with a dynamic security code that expires after 24 hours.
- Turn on or off contactless payments, cash withdrawals, online shopping or gambling.
- Tell us you’re travelling.

KiwiSaver.
- Apply to open or transfer online.
- Check your contributions.
- Switch funds.
- Use the toolkit to check you’re on track.

All backed by advanced fraud protection technology including Online Guardian and 24/7 fraud protection teams.

Get started now.
New to Westpac? Download the app, select Join Westpac and follow the steps to open your account.
If you’re already a Westpac customer and you have a digital banking ID, download the app and start banking right away.
If you’re a Westpac customer, but not registered for digital banking, call us on 0800 400 600 (Weekdays 7 am – 8 pm and Saturday & Sunday 8 am – 5 pm) or visit your local branch and we'll get you set up.

The legalese.
By downloading and completing the set up of the Westpac One app you agree to the Westpac One App Terms and Conditions, which incorporate Westpac’s General Terms and Conditions and the Westpac Website Terms of Use (located at https://www.westpac.co.nz/about-us/legal-information-privacy/ )

Other things you should know.
- This app is only available to Westpac New Zealand Limited (“Westpac”) customers who are registered users of Westpac One digital banking and who have downloaded this app.
- We recommend you always adhere to manufacturer's software and support requirements to ensure your devices are covered by the latest software and security updates. If you're connecting with a wifi network, you must always use a trusted network.
- You must set up a PIN or password to lock your mobile phone and always have them activated when the device is left idle or unattended.
- If you lose your device or it is stolen, please contact Westpac immediately on 0800 400 600.
- There are no charges for downloading the Westpac One app but internet data charges may be incurred through your mobile service provider.
- All information submitted by you during the set up and use of the Westpac One app will be retained by Westpac and used in accordance with the privacy provisions in Westpac New Zealand's General Terms and Conditions.
- We reserve the right to modify, suspend or withdraw the operation of Westpac One digital banking services and/or this app at any time. Access is subject to availability and maintenance.
- The information on this page is presented subject to the Westpac One App’s Terms and Conditions, which incorporate Westpac’s General Terms and Conditions and the Westpac Website Terms of Use, any other terms and conditions Westpac New Zealand may impose and is subject to change without notification.

© 2026 Westpac New Zealand Limited

Ratings and reviews

Don't use the widgets! The app itself is maybe 3/5 stars, but I activated one of the widgets that come along with it. Later that day I was told by the main app that I had no valid accounts, and I couldn't make any payments in the online interface. I was panicking on the phone to customer service for ages trying to find out what was wrong, no one worked it out, but while on hold, I deleted the widget. Suddenly everything worked again.

Great but there is one huge annoyance! On the Accounts display that shows your account current balances before logging on, the credit card balance shows the available credit card spend balance including your credit card limit instead of the actual total of outstanding items. Everyone I have spoken to wants the outstanding balance shown, not the amount available that is not yet spent. Please change it Westpac or at least give us the option to select which we want to see!

never had a problem with this app. The security for Westpac mobile app is top notch . I can pay bills, set aps, check planned payments etc with ease. If i need to make a payment thats over a certain amount for a bill etc I receive a msg and get a code to enter to be able to confirm the specified details and the sum is correct in order to make such payments which is really good especially with large sums of outgoing payment. Very satisfied with Westpacs security for this app.

What’s new

We've made some tweaks and improvements in the background to make your Westpac experience even smoother. Message us in the app to tell us what you think. Your feedback helps us make Westpac One even better.