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Westpac
? Avoid the runaround.

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Westpac
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Edited by:
Ajust Content Team
Last updated:
August 22, 2025
AI-sourced. Human-edited. Made clear for you.

Can you cancel your
Westpac
 subscription? Check eligibility and conditions

Westpac lets you cancel most products at any time, but here’s what you need to know:

  • Everyday & savings accounts: Can be closed once balance is $0 and no pending items remain. Joint accounts need all parties’ approval.

  • Credit cards: Must be paid in full before closure. Annual fees are not refunded. Reward points are lost if not redeemed before cancelling.

  • Personal loans: Can be closed by paying in full. A $175 fee applies if a >2-year term is closed within 2 years.

  • Home loans: Can be closed after submitting a Discharge Authority. $350 discharge fee applies. Fixed-rate loans may trigger break costs.

  • Insurance: Can be cancelled anytime. Full refund during cooling-off (14 days), pro-rata refund minus ~$30 admin fee after that.

How to cancel a
Westpac
 subscription, service or order

Here’s how to contact Westpac cancel, listed by service:

  • Accounts:
    • Call 13 20 32

    • Visit a branch

    • Use Online Banking → Services → Account Services → Close Account

  • Credit Cards:
    • Call 1300 651 089

    • Use Online Banking or app (“Close card” search)

  • Personal Loans:
    • Call 13 22 66 for a payout quote

    • Pay via transfer/BPAY

    • Confirm closure with Westpac

  • Home Loans:
    • Submit a Discharge Authority form via the Settlements and Discharges hub
    • Coordinate with Westpac or your settlement agent

  • Insurance:
    • Call the relevant insurer (e.g. 1300 650 255 for home/car insurance)

    • Request written confirmation

    • Travel/Life insurance follow similar process

How long does a
Westpac
 cancellation take?

  • Accounts: Close same day (if no pending cheques/debits)

  • Credit cards: Immediate stop, but wait for final statement

  • Loans: Usually closed 1–3 days after final payment and confirmation

  • Home loans: Discharge process takes 10–15 business days
  • Insurance: Cancels on requested date; refunds processed in 1–2 weeks

Key tip: Cancel before renewal dates or fee cycles to avoid charges.

Westpac
 cancellation fees and final charges – what to expect

  • Accounts: No closure fee

  • Credit cards: No fee to cancel, but annual fees not refunded
  • Personal loans:
    • $175 fee if >2-year term closed within 2 years

    • No fee if variable or short-term

  • Home loans:
    • $350 discharge fee

    • Possible break cost if fixed-rate

    • No refund on package fee if closed mid-year

  • Insurance:
    • ~$30 admin fee for mid-term cancellations

    • No fee during cooling-off period

Westpac
 cases submitted through Ajust

After 20 years of loyal banking, I was suddenly locked out of my Westpac account. Despite proving my identity and waiting in branch for hours, I still had no access to my funds and no clear answer when it would be resolved. - Nicholas

Despite a court order allowing me to withdraw $1000 weekly, Westpac froze my accounts and refused to honour it. I’ve been left without access to living expenses, even though the judge’s decision was shown in writing. - Trevor

My tax refund was confirmed as legitimate by the ATO, but Westpac refused to release the funds. Even with official letters proving it was mine, I’ve been locked out of money I urgently need. - Caycee

After years of hardship, Westpac froze my accounts and even redirected my last funds into one of them. I was left penniless, told it was my own fault, and pushed to the brink. - Nicholas

Consumer experiences with
Westpac
cancellations

✅ Smooth via online banking: “Closed my card through the app – easy as.”

❌ No refund on annual fee: “Cancelled mid-year and still had to pay full fee.”

✅ Retention offers available: “They offered me bonus points to stay when I called to cancel.”

Westpac
Cancellation FAQs

Can I cancel a Westpac account online?

Yes, you can close a Westpac everyday or savings account online once your balance is $0 and no payments are pending. Joint accounts require all account holders’ approval. If you want a faster process, cancel before scheduled fees or payments to avoid extra charges and delays.

What fees apply when cancelling a Westpac loan or credit card?

Westpac credit cards have no closure fee, but annual fees aren’t refunded and unused reward points are lost. Personal loans closed within two years of a longer term incur a $175 fee, while home loans attract a $350 discharge fee plus possible break costs for fixed-rate loans. Always confirm fees before cancelling.

How long does a Westpac cancellation take?

Most Westpac accounts and credit cards can close the same day if conditions are met, while personal and home loans may take 1 to 15 business days. Insurance cancellations depend on the product but usually process within 1-2 weeks. Acting early helps you avoid extra charges.

Can I get a refund after cancelling Westpac insurance?

Yes, Westpac insurance offers a full refund if cancelled within the 14-day cooling-off period. After that, you may get a pro-rata refund minus a $30 administration fee. Cancelling before renewal ensures you don’t pay for unwanted cover.

Tried to cancel but
Westpac
made it difficult?

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