Westpac
Refunds

Westpac
refund policy – how to claim your money back

Edited by:
Ajust Content Team
Last updated
May 12, 2025
Our AI curates essential insights from across the web, while expert human writers craft content that's clear and easy to understand.

Can you get a refund from
Westpac
? Check eligibility first

You’re eligible for a refund from Westpac if:

  • You were charged fraudulently or without authorisation (covered under their Fraud Money Back Guarantee)

  • You were charged incorrectly, double-charged, or didn’t receive what you paid for

  • A Westpac fee or interest was applied in error

  • You made a mistaken payment (e.g. wrong PayID or BSB/account)

Not eligible? Westpac won’t refund for:

  • Buyer’s remorse or quality dissatisfaction

  • Charges you authorised, even if scammed

  • Disputes raised after time limits (usually ~120 days)

  • Fraud where you contributed to the loss (e.g. shared your PIN/password)

  • Non-refundable add-on fees (like Qantas Rewards program charges)

Always ask if unsure. Westpac sometimes grants goodwill refunds for loyal customers.

How to get a refund from
Westpac

1. Contact the merchant first (if relevant): Try to resolve directly, this is quicker and often effective.

2. Report to Westpac:

  • Via app/online banking: Tap the transaction and “Report this transaction”

  • By phone: Call 1300 651 089 (for disputes) or 1300 364 294 (for fraud)

  • In branch: Bring ID and documentation

  • Online message/chat also available once logged in

3. Submit evidence if requested:
Receipts, emails, or confirmation of cancellation help build your case.

4. Track investigation:
Westpac will confirm your dispute is lodged and may offer a conditional refund while investigating.

5. Get your outcome:
Approved = permanent refund. Denied = you’ll be told why and can escalate.

‍

Westpac
’s refund timeframe - how long it takes

  • Merchant refund (e.g. online shop): 1–5 business days

  • Simple card disputes: A few days to 3 weeks

  • Complex chargebacks: Up to 45 days
    ‍
  • Fraud refunds: Typically within 21 business days
    ‍
  • Direct debit errors: Often within a few days
    ‍
  • Mistaken payments: 2–4 weeks (depends on other bank’s response)

  • Fee refunds or internal corrections: Same or next business day

Tip: Respond quickly if Westpac requests info. It speeds things up.

‍

Westpac
’s refund methods - how you'll get your money back

Refunds are credited to the original:

  • Card (for card purchases)

  • Bank account (for direct debits or mistaken transfers)

  • Loan account (for overpayments)

  • Service account (for insurance, etc.)

If your account is closed, Westpac may contact you for another account or issue a bank cheque. You’ll receive notification via email, app or post.

No cash refunds in-branch for disputed transactions.

Common refund issues with
Westpac

  • Disputing legit charges: Check the merchant name (many disputes come from confusion).

  • Missed deadlines: Always lodge disputes within ~60–120 days.

  • Ignored documentation requests: Respond within 14 days to avoid your case closing.

  • Merchant pushback: If they prove delivery, you may need strong counter-evidence.

  • Scam payments you authorised: Sadly, these aren’t covered under fraud policy.

  • Refund delays: Always follow up politely if the timeframe passes.

  • Reversal of conditional refunds: Avoid spending it until confirmed. It could be reclaimed.

  • Overdrawn from reversed refunds: Westpac may waive overdraft fees if asked.

Need a refund from
Westpac
?
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Real
Westpac
 refund cases – what worked for other customers

$4,000 fraud fully refunded under the Money Back Guarantee. The key was fast reporting.

Overdrawn fees waived after a customer explained timing errors in deposits. Westpac showed goodwill.

Chargeback on undelivered concert tickets approved after 6-week dispute. Patience and documentation paid off.

How
Westpac
 Refund Policy Compares to Competitors

  • CommBank: Often faster with initial dispute resolution (some within 3 days); app-based messaging is more flexible. Slight edge in UX speed.

  • ANZ: Disputes resolved in ~35 days; newer “ANZ Plus” app makes dispute reporting smoother. Slightly stricter on time limits.

  • Westpac: Strong on fraud refunds, thorough investigations, and proactive goodwill. Refund times slightly longer, but highly customer-first in complex cases.

Bottom line: All Big 4 banks follow similar rules. Westpac holds its own and often excels with fairness and follow-through.

Need your
Westpac
refund processed faster?

Submit your refund request with

Westpac

instantly.