What Is A Pending Transaction? - Westpac

Home » What Is A Pending Transaction » What Is A Pending Transaction? - Westpac

Maybe your like

Skip to main content Skip to main navigation Skip to access and inclusion page Skip to search input Close
  • Sign in
  • Personal
  • Business
  • Corporate
  • About us
  • Help
  • Sign in Sign in
    • All Sign in
      • Online Banking - Personal
      • Online Banking - Business
      • Corporate Online
  • Home Home
  • Personal Personal
    • All Personal
      • Bank accounts
      • Home loans
      • Credit cards
      • Personal loans
      • International & Travel
      • Insurance
      • Superannuation
      • Investments
      • Share Trading
      • Margin Lending
      • Westpac Private Bank
      • Services
      • Westpac Online Banking
      • Ways to pay
  • Business Business
    • All Business
      • Bank accounts
      • Savings accounts
      • Credit cards
      • Loans and finance
      • EFTPOS & eCommerce
      • Insurance for Businesses
      • FX & International
      • Commercial & Industry Banking
      • Bank Guarantee
      • Business digital wallets
      • Business setup help
      • Tax Entity Classification Information
      • Online Banking for Business
      • Help for your business
      • Current offers
      • Business Term Deposit
      • Transaction accounts
      • Startup Business Hub
  • Corporate Corporate
    • All Corporate
      • Sustainability for corporate and institutional
      • Westpac IQ
      • Corporate & institutional
      • Transaction banking
      • Financial markets
      • Corporate & structured finance
      • Trade & supply chain finance
      • Corporate Online
  • About us About us
    • All About us
      • Indigenous
      • Westpac Group
      • Investor Centre
      • Media centre
      • Westpac Wire
      • Careers
      • Sustainability
      • Our Foundations
      • Global locations
      • Innovation
      • Diversity, Equity & Inclusion
  • Help Help
    • All Help
      • Financial hardship support
      • Contact us
      • Locate us
      • Ways to bank
      • Lost or stolen cards
      • Frequently asked questions
      • Life moments
      • Community
      • Indigenous & Remote Banking
      • Disaster help
      • Security
      • Master your money
      • Making things right
      • Support with Tough Times
      • Become a customer
      • Telephone Banking
  • FAQs
    • Handycard cardholder losing Business account access
    • Can I email Westpac with a general enquiry?
    • How to submit a payment recall or trace request
    • What is the total point of sale or online purchase limit?
    • How do I amend or cancel a payment sent?
    • My international money transfer hasn’t been received by my beneficiary and 5 business days have passed
    • Does Westpac buy/sell foreign cash or foreign cheques/drafts?
    • How to close my Business Credit Card?
    • What do I do if I make an incorrect PayID® or Osko® payment?
    • What Australian benefit payments make me eligible for a Westpac Concession account?
    • Does Westpac still offer Xylo Foreign Exchange?
    • How do I set up and authorise a PayTo agreement?
    • Where can I find my PayTo agreements?
    • I’ve provided others with access to my account via Third Party. Can they see my PayTo agreements?
    • I have Third Party Access Authority, can I authorise a PayTo agreement on behalf of the account owner?
    • I’ve provided Shared Access to my account/s via a Personal Network. Can these users see my PayTo agreements?
    • How do I give PayTo access to those who I have shared my account with?
    • How do Business Networks use PayTo agreements?
    • What happens if one of my Network Users or Third Parties declines or cancels my PayTo agreement?
    • There are PayTo agreements and PayTo payments on my account I don’t recognise.
    • I am receiving notifications about a PayTo agreement that I didn’t set up.
    • What happens if I decline a PayTo agreement?
    • What happens if I decline an update or amendment to my PayTo agreement?
    • What is ‘restricted payment frequency PayTo agreements’?
    • Are PayTo payments part of my Daily Payment Limit?
    • Who can I contact for help?
    • What if a PayTo payment is taken outside the terms of my PayTo agreement?
    • Why was my PayTo agreement paused or cancelled?
    • Can I change my direct debit to PayTo?
    • Is my carbon footprint calculated based on the merchant type?
    • How do my lifestyle choices affect my estimated carbon footprint?
    • What is a carbon footprint?
    • What is CO₂ equivalent and how does it measure your carbon footprint?
    • Why’s it important to understand my estimated carbon footprint?
    • How does my estimated carbon footprint compare to others?
    • How is my estimated carbon footprint calculated?
    • How will Westpac use my carbon footprint data? 
    • How accurate is the carbon footprint calculation?
    • How are foreign currency transactions and from my eligible accounts treated for the purpose of Carbon Footprint Tracker calculation?
    • Which products are eligible for Carbon Footprint Tracker insights?
    • Can I hide the Carbon Footprint Tracker feature from my home screen?
    • How can I exclude an account from my Carbon Footprint Tracker view?
    • Why do I see my closed accounts in the Carbon Footprint Tracker insights?
    • Do all transaction categories have a carbon footprint?
    • How are Mortgages and Loan repayments treated?
    • What’s a positive expense? Does it reduce my estimated carbon emissions for a transaction?
    • Why are my recent transactions not included in my Carbon Footprint Tracker insights?
    • How can I change a transaction category?
    • Can I filter the Categories views using my tags?
    • How does Westpac help with the cancellation of my direct debit?
    • What is a 3-year block of direct debit?
    • How do I change my Debit Mastercard daily limit?
    • What is Savings Finder?
    • How do I delete my Online Banking access?
    • I've just reported my credit card lost/stolen. Why is my PartPay Card re-issued?
    • If I have no available limit on my linked credit card, can I still use PartPay to make purchases?
    • What transaction accounts are eligible to send money overseas?
    • Change the access type of a Business Debit Mastercard holder?
    • What if I need assistance with my Worldwide Wallet?
    • How are foreign currency transactions for non AUD accounts treated for the purpose of Cash flow and spend insights?
    • How are Credit Card Payments categorised?
    • How does home loan categorisation work?
    • Why are my recent transactions not included in my Cash flow and Top Categories insights?
    • Can I make or receive international money transfers with Osko® or PayID®?
    • Reason for payment
    • How do I send foreign currency to another Australian bank?
    • Why did the beneficiary not receive the full amount I sent to them?
    • What happens after I make an international money transfer online?
    • Who are Westpac’s Correspondent Banks?
    • What happens if the international money transfer is returned?
    • Can I negotiate a better exchange rate?
    • Using Samsung Pay with your Westpac Mastercard Debit card
    • How do I change my payment network to Mastercard or eftpos?
    • What is the difference between selecting eftpos rather than the Mastercard payment option for my Mastercard debit card?
    • What are the typical bank details required to initiate an international money transfer?
    • What is Westpac's SWIFT Code/BIC?
    • How much money can I send overseas from Australia?
    • Why did I not receive the full amount the payer has sent to me?
    • How can I stop an intermediary bank from converting my funds into AUD before the international money transfer arrives at Westpac?
    • What is the exchange rate for international money transfers that are set up as recurring?
    • What’s a transaction tag?
    • How do I add a tag to a transaction?
    • Can I filter the Categories and Cash flow views using my tags?
    • Can anyone else see my transaction tags?
    • Are tags customisable?
    • How do I delete a tag?
    • Can I see my spend per subcategory?
    • Forgotten Login
    • What do I do if my Worldwide Wallet is lost or stolen?
    • How much does it cost to transfer money overseas?
    • Why do I need to give you access to my contacts list to use Pay to Mobile?
    • My Merchants FAQ's
    • What cards are eligible for My Merchants?
    • Will my digital token with a merchant be cancelled if my credit or debit card account is closed?
    • If my card is lost, stolen or expires, will my digital token remain valid with the merchant?
    • Can I remove my digital token from a merchant?
    • Can I connect with the same merchant more than once?
    • If a merchant already has my physical card details, and I then connect to them via My Merchants in the Westpac App, will the merchant remove my physical card details?
    • Which merchants can I connect with using My Merchants?
    • Can a secondary card holder also use My Merchants?
    • How often will new merchants be added to My Merchants?
    • Can I tell which merchants on the My Merchants list have a digital token and which have my card details stored?
    • Which versions of the Westpac App do I need to use My Merchants?
    • I removed my card details and/or digital token from a merchant. Why are they still showing in My Merchants?
    • Why are some transactions with linked merchants not displaying in My Merchants?
    • How do I cancel a direct debit on a joint account?  
    • Pending refund
    • Pending balance
    • Personalise App
    • When is my annual Card Fee date?
    • Spend insights and budgeting tools FAQs
    • How are transactions categorised?
    • Which products are eligible for Categories and Cash flow insights?
    • Where can I find Westpac’s budgeting tools and spend insights?
    • How can I change the category for a transaction?
    • Why are some transactions uncategorised?
    • What is the Transfers category?
    • Are categories applied to joint and third-party accounts?
    • How will Westpac use my transaction categories data and will it have any impact on my credit application?
    • What information is provided by the Cash flow module?
    • What historical period is covered by the reports?
    • Why can’t I see an account I have, or previously had, in the Cash flow and Categories?
    • How can I exclude an account from Cash flow and Categories view?
    • I can’t see my income or expense in the Cash flow and Categories. How can I fix this?
    • Why do I see closed accounts in Cash flow and Top categories insight?
    • What is a positive expense? Shouldn’t that be income?
    • Westpac online banking updates
    • What can I do if I’m receiving an income support or pension payment and my account is overdrawn?
    • Cut-off times
    • What is the difference between adding my eligible card from the Westpac App and adding it via the Apple Wallet app?
    • Fileshare
    • I can see my card in Google Pay but I cannot make a transaction. Why?
    • Carbon Footprint Tracker FAQs
    • How can I lower my footprint?
    • Why should I choose a Westpac Worldwide Wallet for overseas travel?
    • Why should I choose a Westpac Worldwide Wallet for shopping online in foreign currencies?
    • Can anyone apply for a Westpac Worldwide Wallet?
    • Is the Worldwide Wallet a credit card?
    • How can I load or reload money onto my Worldwide Wallet?
    • Can I directly transfer foreign currencies onto my Worldwide Wallet?
    • Do I need to download the Westpac App to use my Worldwide Wallet?
    • Can I use my Worldwide Wallet at overseas ATMs?
    • Will I be charged if I use an ATM with my Worldwide Wallet?
    • What if I want to spend in a currency that is not loaded on my Worldwide Wallet account?
    • Can more than one person receive complimentary lounge access with Mastercard Flight Delay Pass?
    • Can I use tap and go with my Worldwide Wallet?
    • Can I add my Worldwide Wallet to my Apple Pay?
    • What is a Mastercard Flight Delay Pass and how does it work?
    • How do I dispute a transaction made using my Worldwide Wallet?
    • My Worldwide Wallet cards are due to expire. How do I renew them?
    • Will I receive statements for my Worldwide Wallet?
    • What happens if I have money left on my Worldwide Wallet card when I get back from overseas?
    • How do I close my Worldwide Wallet account?
    • What time zone are my Worldwide Wallet transactions displayed in?
    • I am trying to convert foreign currencies in my Worldwide Wallet account. Why have I received the error message “We cannot retrieve the current exchange rates at this time. Please try again later.”?
    • How do I activate my Worldwide Wallet?
    • When will my new Autopay start?
    • If I change my Autopay options, when will they take effect?
    • If I cancel my Autopay, when will that take effect?
    • What happens if I make extra repayments in addition to my Autopay?
    • If I don’t have enough funds in my Autopay account
    • Autopay overdue
    • Fixed Autopay amount is higher than the Closing Balance
    • How does a SmartPlan impact my Autopay arrangement?
    • How does a Balance Transfer impact my Autopay arrangement?
    • What if I want to spend in a currency that isn't offered on Worldwide Wallet?
    • What are pending transactions on my Worldwide Wallet?
    • What is emergency cash?
    • How do I set or change my Worldwide Wallet card PIN?
    • Do I need to do anything to get ready to use PayTo?
    • Which accounts are eligible for PayTo?
    • How do I start making PayTo payments?
    • How is PayTo different from Direct Debit?
    • Where can I see all my upcoming PayTo payments?
    • What happens if a PayTo payment is unsuccessful?
    • How do I pause or cancel my PayTo agreement?
    • Can I make changes to a PayTo agreement after I’ve authorised it?
    • Can I link my PayID to a PayTo agreement?
    • I set up a PayTo agreement but I can’t see it in Westpac Online Banking or the Westpac App. Why isn’t it there?
    • Is there a transaction limit for a PayTo Agreement?
    • Do I need to use Westpac Online Banking or the Westpac App to use PayTo?
    • I’m a signatory for a family member’s bank account. Can I authorise a PayTo agreement on their account?
    • PartPay FAQs
    • How does PartPay affect my Autopay?
    • Can an additional cardholder get a PartPay Card?
    • Does my PartPay Card have a PIN, as I’m sometimes asked for one?
    • Can I change or defer my PartPay payments?
    • Can I transfer a purchase from my linked card to my PartPay Card?
    • Can using PartPay impact my credit report?
    • What happens when I get a refund on a PartPay purchase?
    • What happens if my PartPay Autopay is dishonoured or there are insufficient funds in my linked Autopay account?
    • Does my PartPay Card have the same expiry date as my linked credit card?
    • Where can I see my upcoming PartPay Payments and previously made payments?
    • Where can I view the foreign exchange rate fee?
    • Handycard to Westpac Debit Mastercard Transition
    • Handycard to Westpac Debit Mastercard Prepare for the Transition
    • Handycard to Westpac Debit Mastercard Supporting Your Child
    • Handycard to Westpac Debit Mastercard Financial Manager Support
    • Handycard Business Debit Mastercard closure existing card
    • Handycard to Westpac Debit Mastercard Card Features
    • Handycard to Westpac Debit Mastercard Activate & Set PIN
    • Handycard Business Debit Mastercard
    • Handycard Debit Mastercard
    • Handycard to Westpac Debit Mastercard Add Your Card to Digital Wallet
    • Handycard to Westpac Debit Mastercard Card Not Yet Received
    • Handycard to Westpac Debit Mastercard Card Not Working
    • Handycard to Westpac Debit Mastercard Daily Limits
    • Handycard to Westpac Debit Mastercard Manage Recurring Payments
    • Handycard to Westpac Debit Mastercard Lost or Stolen Card
    • Handycard to Westpac Debit Mastercard Opt Out of the Transition
    • Handycard to Westpac Debit Mastercard Existing Debit Mastercard
    • Handycard to Westpac Debit Mastercard Closure Inactive Handycard
    • Handycard to Westpac Debit Mastercard Order Your Debit Mastercard
    • When will I receive my Worldwide Wallet cards?
    • Why can’t I sign in to my Mobile Banking?
    • Worldwide Wallet
    • Which Westpac business accounts are eligible for linking to an ABN PayID® under a Business profile?
    • How can I export a detailed transaction history?
    • Spend&Save Youth MFI
    • Apple Pay FAQ's
    • Which Westpac cards are eligible to be added to Apple Pay?
    • What is Apple Pay, where can I find more information on Apple Pay?
    • How secure is an Apple Pay transaction?
    • How will my personal information be shared with Apple?
    • Which devices can I use Apple Pay with?
    • How do I add my card to Apple Pay?
    • What is a Device Account Number and how is it different to my physical card number?
    • Why am I asked to complete verification when I add my card to Apple Pay?
    • Why am I seeing a message to contact my bank?
    • How do I set my default card in Apple Pay?
    • Can my additional card holder add their card to Apple Pay?
    • Can I add multiple cards to Apple Pay on my device? / Can I add my card on multiple devices?
    • How do I make a payment with Apple Pay?
    • Can I use Apple Pay to tap on / off on Opal in NSW?
    • Where can I pay with Apple Pay?
    • Why doesn’t the card number on the merchant’s receipt match my physical card number?
    • Do I still get reward points when I use Apple Pay?
    • Do I need to use my card PIN with Apple Pay?
    • Are the Apple Pay transaction limits and PIN the same as the physical card?
    • Can I use Apple Pay to get cash out at a merchant / retailer?
    • Can business cards be added to Apple Pay?
    • Using Apple Pay with a Handycard
    • Using Apple Pay with your Westpac Mastercard Debit card
    • How do I change my payment network?
    • What is the difference between selecting CHQ or SAV rather than the Mastercard payment option for my Mastercard Debit card?
    • I can see my card in Apple Wallet but my transaction is declining, why?
    • Apple Pay card reenrol
    • Are there any additional fees and charges for adding my card to Apple Pay?
    • Apple Pay lost/stolen card
    • My device has been lost or stolen. How can I keep my card safe in Apple Pay?
    • Can I use Apple Pay while I’m overseas in the same way I do in Australia?
    • How do I remove a card from Apple Pay?
    • I want to sell my device and get a new one, how do I make sure no-one can use my cards?
    • Can I add my loyalty or gift cards to my Apple Wallet?
    • What T&Cs Apply to Apple Pay?
    • Can I see my transactions in Apple Wallet?
    • How do I dispute a transaction made using Apple Pay?
    • What is a Westpac Handycard?
    • My Westpac Handycard does not have a CVC, what can I do?
    • What should I do if I have issues setting up a PayID® or making or receiving PayID payments?
    • Is there a minimum age to use Apple Pay?
    • Do I need to use my card PIN with Google Pay?
    • Do I need to use my card PIN with Samsung Pay?
    • How do I upload a file payment from MYOB?
    • I’ve added my Westpac Mastercard debit card but can’t see CHQ/SAV. How do I access the CHQ/SAV options?
    • What are my transfer limits for business accounts and how do I change them?
    • What is a SecurID token? 
    • What if I don’t respond to a request for information about the tax residency of my business? 
    • How do I change a user’s Daily Payment Limit in Westpac?
    • Joint Accounts
    • How many joint accounts can I open?
    • Am I protected if someone attempts to open a joint account without my consent?
    • I need help opening a joint account. Where can I find out more?
    • I sent an invitation to my joint applicant, but the account isn’t open yet. Why is this?
    • I started opening a joint account but no longer want to proceed. What do I do?
    • How can I close a joint account?
    • I received an invitation to open a joint account with someone I don’t know. What should I do?
    • Can a joint account have more than two account holders?
    • Can I open a joint account with a minor?
    • Do both account holders have the same level of authority?
    • Push Notifications
    • Which Westpac corporate accounts are eligible for Osko® Payments?
    • Digital Card
    • Mobile Cheque Deposit
    • What happens if the cheque is dishonoured or declined?
    • I entered the incorrect amount of the cheque when I scanned it, what do I do?
    • How long does it take for the cheques to clear?
    • I scanned a cheque yesterday but it’s still not showing in my account today. Who can I talk to?
    • What kind of cheques can I deposit?
    • Why can't I deposit into my credit card account like I am used to doing via the branch or ATM?
    • I deposited a cheque using my mobile but it was rejected, why?
    • How can I identify on my bank statement that my cheque was deposited via the app?
    • Will my PayID® be created automatically?
    • What can I use as my PayID®?
    • Do I need to have Westpac Protect™ SMS Code to set up my PayID®?
    • Are there any transaction limits with Osko® payments and payments to a PayID®?
    • Does it cost anything to use Osko® or PayID®?
    • How do I move my PayID® to another bank?
    • What happens if my mobile number changes or I need to change my PayID®?
    • How do I change the account my PayID® pays into?
    • How do I stop payments to my PayID® or de-activate my PayID?
    • How do I know that a PayID® belongs to the correct person?
    • What's displayed to people paying to my PayID®?
    • How do I know if a payment is received to my PayID?
    • Samsung Pay reissued card
    • Which financial institutions offer NPP services?
    • What is a PayID?
    • If I set up a PayID®, can people still pay to my BSB and account number?
    • How do I use my PayID® to receive payments?
    • How do I make a payment to a PayID®?
    • Can I have more than 1 PayID® or link to more than 1 account?
    • How do I set up a PayID®?
    • What is Osko®?
    • Can I only make an Osko® payment to a PayID®?
    • Are Osko® and PayID® payments secure?
    • PayID and Osko
    • How will I know who I can pay with Osko® and PayID®?
    • What happens if an account I’m paying into cannot accept Osko® payments?
    • Garmin Pay
    • What is Garmin Pay and how does it work?
    • Which phones and smart watches can I use Garmin Pay with?
    • Where can I find out more information about Garmin Pay?
    • How will my personal information be shared with Garmin?
    • How secure is a Garmin Pay transaction?
    • What do I require to successfully add a Card to Garmin Pay?
    • How do I install Garmin Pay?
    • What is the Garmin Pay Wallet?
    • How do I add my cards to Garmin Pay?
    • I've received a message to call Westpac on the ‘Verification Needed’ screen, why?
    • Can I add multiple cards to my Garmin smart watch?
    • Can I add my card to multiple smart devices and wallets?
    • What terms apply to using Garmin Pay?
    • How do I make a payment with my Garmin smart watch?
    • Do I need a PIN to use Garmin Pay?
    • I can see my card in my Garmin but the transaction is declining. Why?
    • Can I use Garmin Pay if I am overseas in the same way as I would in Australia?
    • Do I need an internet connection to make Garmin Pay payments?
    • Do I still get reward points when I use Garmin Pay?
    • Can I use gift cards with Garmin Pay?
    • Are the Garmin Pay transaction limits the same as my physical Card?
    • My physical card has expired. Do I need to re-enrol it?
    • Can I view transactions in Garmin Pay?
    • What happens if my Garmin smart watch is lost or stolen?
    • Do I need to have my phone nearby to use Garmin Pay?
    • What do I do if I sell my smart watch or get a new device?
    • If I restore the default settings on my Garmin smart watch or delete my cards from Garmin Pay, does this impact my physical cards?
    • I've lost my physical card; can I still use Garmin Pay on my Garmin smart watch?
    • How do I remove a card from Garmin Pay?
    • I’ve received a reissued or replacement Westpac card; do I need to update my card information in Garmin Pay?
    • What cards are eligible for Garmin Pay?
    • What is a Device Account Number and how is it different from my Card Account Number?
    • How do I download the Westpac App?
    • Can I use my Online Banking details to sign in to the Westpac App?
    • Beem
    • What is Beem?
    • How do I get the Beem app?
    • What info do I need to share to sign up?
    • What do I do if I have issues with the Beem app?
    • How do I view eStatements for an account that has been closed?
    • How do I close my everyday or savings accounts (including DIY Super Working accounts and DIY Super Savings accounts)?
    • How do I close my term deposit?
    • How do I pay out and close my Personal Loan?
    • How do I change my current Westpac credit card to a different Westpac card?
    • Which Westpac personal banking accounts are eligible for Osko® payments and linking to a PayID®?
    • Which Westpac business accounts are eligible for Osko® payments and linking to a PayID®?
    • Mobile Wallets
    • Google Pay
    • Can I set or change my card PIN online?
    • What do I need to set or change my PIN online?
    • How do I close my credit card?
    • Which phones or devices can I use Google Pay with?
    • Which cards are eligible to be added to Google Pay?
    • Where can I find out more information about Google Pay?
    • How will my personal information be shared with Google?
    • What is a virtual account number and how is it different from my Card account number?
    • How secure is a Google Pay transaction?
    • Are there any fees or charges for adding my card to Google Pay?
    • I can see my card in Google Pay but my transaction is declining. Why?
    • What do I need to do to successfully add a card to Google Pay?
    • Do I need an internet connection to make payments through Google Pay?
    • What happens if my Android phone is lost or stolen?
    • My card details have been removed from the Google Pay app. Why?
    • Android Pay backup
    • My physical card has expired. Do I need to re-enrol?
    • Why don’t the card details on the merchant’s receipt match my physical card number?
    • Android Pay remove or suspend a card
    • Android Pay reissued card
    • What if I want to sell my mobile device and get a new one?
    • I've deleted the Google Pay app but can still make payments. Why?
    • What is Google Pay and how does it work?
    • Why do I need to complete verification when adding my card to Google Pay?
    • Samsung Pay FAQs
    • What is Samsung Pay?
    • Which phones or devices can I use Samsung Pay with?
    • Where can I find out more information about Samsung Pay?
    • How will my personal information be shared with Samsung?
    • How secure is Samsung Pay?
    • What is a Digital Card Number and how is it different from my Card Account Number?
    • What is required to successfully add a Card to Samsung Pay?
    • Why do I need to verify my card when adding it to Samsung Pay?
    • I can see my Card in Samsung Pay but my transaction is declined. Why?
    • Do I need an internet connection to make payments through Samsung Pay?
    • What happens if my Samsung device is lost or stolen?
    • Are the Samsung Pay transaction limits and PIN the same as the physical card?
    • Samsung Pay lost/stolen card
    • My physical card has expired. Do I need to re-enrol?
    • How do I remove or suspend a card or what should I do if I want to sell my phone?
    • What if I get a new phone?
    • How can I set up Samsung Pay on my Samsung Gear device?
    • How do I use Samsung Pay on my Samsung Gear watch?
    • How do I remove my Westpac card from my Samsung Gear device?
    • What cards are eligible for Samsung Pay?
    • What is the credit card repayment reminder?
    • Are there any additional fees for using credit card repayment reminder?
    • Will I still receive the credit card repayment reminder if I make an out of cycle repayment?
    • How do I set up a credit card repayment reminder in the Westpac App?
    • How do I delete or change my credit card repayment reminder preferences in the Westpac App?
    • How do I set up a credit card repayment reminder in Westpac Online Banking?
    • How do I change my credit card repayment reminder preferences in Westpac Online Banking?
    • What is a SmartPlan?
    • What are the benefits of SmartPlan?
    • What amounts are eligible for SmartPlan (“Eligible Amounts”)?
    • Who can set up a SmartPlan?
    • How long does it take to activate a SmartPlan?
    • How many SmartPlans can I have on my account?
    • Can I cancel a SmartPlan once I have set it up?
    • Does SmartPlan change my credit card limit?
    • Are there any credit checks done as part of activating a SmartPlan?
    • What is the ‘Estimated Total Repayment’ of SmartPlan?
    • What is my ‘Main Account Balance' and how is that different to my ‘Closing Balance’ in SmartPlan?
    • What is the ‘Monthly Payment Due’ and how is that different from my ‘Minimum Payment Due’ in SmartPlan?
    • What is the ‘Monthly Payment Balance’ and how is that different from my normal statement Closing Balance in SmartPlan?
    • Can I continue to get the benefit of my interest free days on new purchases while I have a SmartPlan on my account?
    • Are there any changes to my statement when I have a SmartPlan?
    • How do I calculate what I need to pay each month for SmartPlan?
    • How does SmartPlan affect my credit card payments?
    • How do I view my SmartPlan Repayments?
    • What happens if I miss a SmartPlan Repayment?
    • What happens if I make extra repayments to my SmartPlan?
    • What happens if I have Card Autopay on my account?
    • How to put a SmartPlan on a balance transfer
    • How to put a SmartPlan on a cash advance
    • How to put a SmartPlan on a purchase balance
    • Can I activate my card on mobile if I don’t have the app?
    • Is it secure?
    • What about additional cardholders?
    • What else do I need to know?
    • What do I do if I don't get my credit?
    • What if there are no participating Hey You cafes/businesses in your area?
    • Do the Westpac Group and Hey You share any customer details?
    • What are the permissions I’ll see on my phone and why are they requested by the Westpac Android Mobile Banking App?
    • What are the permissions I’ll see on my phone and why are they requested by the Westpac iPhone Mobile Banking App?
    • How do I complete an identity check?
    • What is the New Payments Platform (NPP)?
    • What is Osko?
    • Pending transactions
    • What is a pending transaction?
    • How do pending transactions affect my balance?
    • I don’t recognise a pending transaction.
    • Can I cancel or dispute a pending transaction?
    • Declined transactions
    • Why was my card transaction declined?
    • What is a direct debit?
    • I don't recognise a direct debit transaction
    • Can a direct debit transaction overdraw my account?
    • How can I cancel a direct debit?
    • I need to make a change to my direct debit repayments?
    • What is Digital Mail?
    • What are the benefits of Digital Mail?
    • Is Digital Mail secure?
    • Where do I find my Digital Mail in Online and Mobile Banking?
    • How will I know if I have Digital Mail available?
    • What happens if I don’t receive an email notification?
    • How do I update my email address?
    • How do I switch to receiving Digital Mail?
    • Can I go back to receiving paper mail?
    • What if I require another copy of the letter posted to me?
    • Can mail preferences be selected for individual accounts?
    • Are all letters going to be sent digitally?
    • Will the Digital Mail be the same as paper mail?
    • I have a joint account – can I receive Digital Mail?
    • Can I save and print my letters from my digital mailbox?
    • Digital Mail
    • Financial hardship
    • General
    • Make a transfer or payment
    • Make an international money transfer
    • Credit cards frequently asked questions
    • New to Australia
    • Mobile Banking
    • Online Banking
    • Travelling overseas
    • FAQ search results
    • How do I transfer between my accounts using Online Banking?
    • Am I eligible for a bank account in Australia?
    • Are running balances available on Westpac Online Banking?
    • Are there any fees and charges associated with Online Banking?
    • Can I access my account while overseas?
    • Can I add a new biller or payee?
    • Can I change a recurring payment?
    • Can I filter my search by transactions?
    • Can I report a lost or stolen card from Online Banking?
    • Can I set up recurring payments?
    • Can someone else negotiate on my behalf?
    • Do I get signed out of Online Banking automatically when I close the browser?
    • Has Westpac registered for FATCA?
    • How can I access my money in Australia?
    • How can I close an account?
    • How can I earn and redeem Altitude Rewards?
    • How can I find the interest earned on my account in the last financial year?
    • How can I find the interest rate on my home loan?
    • How can I open an account online?
    • How do I notify Westpac if I’m going overseas?
    • How do I change my SMS Code mobile number?
    • How do I change my daily payment limit?
    • How do I locate a branch or an ATM?
    • How do I pay by BPAY®
    • How do I register for Westpac Protect™ Security Code?
    • How do I set up a new bank account in Australia?
    • How to transfer money overseas?
    • How do I transfer my funds to Australia?
    • How does the Westpac Group intend to meet legal obligations under FATCA?
    • How long am I able to receive assistance for?
    • How many ways can I pay my credit card?
    • I need a new PIN for my credit card or Handycard while I’m overseas.
    • How do I view old statements?
    • Is it possible to change a scheduled payment?
    • Is it possible to change the ATM / EFTPOS limits on my Handycard?
    • What are the interest rates on your credit cards?
    • What are the interest rates on your home loans?
    • Lost or stolen card?
    • What do I need to do if I am a US citizen or tax resident?
    • What happens if I am not happy with your response?
    • What happens if my application for financial hardship is declined?
    • What happens when I submit the online form?
    • What information is available for interest rates and tax?
    • What is IBAN?
    • What is BPAY View® and how do I register for it?
    • What is the account overview in Westpac Online Banking and Mobile Banking?
    • What is the Foreign Accounts Tax Compliance Act (FATCA)?
    • What payment options do I have?
    • What should I do if I have experienced fraud on my credit card?
    • What supporting documents do I need?
    • What type of assistance is available?
    • What will happen when my card expires? Can I get a replacement card online?
    • What will my upcoming payments show?
    • What is a SWIFT code/BIC?
    • Where do I find my messages and alerts on Westpac Online Banking?
    • Why do I need to provide my email address?
    • Will I still receive calls letters SMS etc whilst assistance is in place?
    • Manage Term Deposit online - can I give third party account access to a person/organisation and how do I set it up?
    • When can I use Online Banking to manage my Term Deposit?
    • Manage Term Deposit online - what is the Six Business Day Variation Period?
    • What is the minimum amount that a Term Deposit can be managed using Online Banking?
    • What happens if a Term Deposit is held as a security or has a restricted status?
    • What if I make a mistake with my Term Deposit in Online Banking?
    • What if I don’t want to use Online Banking to manage my Term Deposit?
    • Where can I find the option to approve a Term Deposit renewal?
    • Manage Term Deposit online - what if more than one person needs to authorise changes?
    • Manage Term Deposit online - are there any restrictions for making changes to my Account within Online Banking?
    • What happens if I want to break a Term Deposit contract before maturity? Can I manage this online?
    • Manage Term Deposit online - if a Third Party has access to my Term Deposit, what can or can’t they do?
    • Financial Claims Scheme
    • When will Business customers be able to send and receive Osko® payments and register for a PayID?
    • How will I know I've received a near-instant Osko® payment?
    • How do I make an Osko® payment to a BSB and account number?
    • How will I know that I’m making an Osko® payment?
    • As a business customer, how will Osko® and PayID® payments affect my bank statements and exports?
    • What's the purpose of the ‘Reference’ field when sending an Osko® payment?
    • Online business banking
    • How can I order a bank cheque online?
    • How can I import a payment file?
    • How can I import payment details?
    • How do I add my eligible card to Apple Pay from the Westpac App?
    • How can I manage the signatories for my business account?
  • FAQs
  • What is a pending transaction?
FAQs How can we help you? Go Searching...

What is a pending transaction?

When you make a purchase using a credit or debit card (selecting credit, contactless payment or online/phone purchase) the bank will authorise the payment and immediately deduct that amount from your available funds. This authorised amount is held and appears as a “pending” transaction for up to 5 days. During this time, the merchant finalises the payment, and the transaction will be fully processed (settled), with the funds being sent to the merchant.

Online enquiries

  • Report scams
  • Feedback and complaints
Find a branch

Visit your local branch

Suburb / postcode

Tag » What Is A Pending Transaction