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Westpac
? We’ll help you do it properly.

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Westpac
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Edited by:
Ajust Content Team
Last updated:
July 23, 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

Real
Westpac
 cases submitted through Ajust

Real customer 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

Tried to cancel but
Westpac
made it difficult?

We’ll help you submit a formal cancellation they can’t ignore.