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

The app is ok but could do with some improvements. It's impossible to export your payee list for some reason. Also now, suddenly, when you make any payments - even to Payees who have been on your Payee list for many years - you have a lot of pop-up questions about why, and who you are paying to. This is to check you're not being scammed. BUT why have this when you are paying to a payee who has been on your list of saved payees for YEARS? It's really poorly designed and seriously annoying.

Fine. It's a banking app for a particular bank so it's not like you can shop around app-wise. I find it easy enough to use. My only real issue is that I have to delete & replace the homepage widget every week, as it breaks weekly for some reason (most text disappears off the widget & it stops being clickable). A nuisance, but easily fixable with a weekly routine. I would like to be able to access *all* my accounts in the app, but that may be coming with Business One?

Horrible app, can't switch between accounts, have to completely close the app and log back in to be able to switch between accounts. Then sometimes app won't logging, will keep giving you error (something went wrong while trying to login). These issues have been around for last 4 or 5 years, tried reporting them directly to Westpac staff at bank counter and CS on phone, still now improvement. I have missed my mortgage payments on couple of instances because of these issues.

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.