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Virtual cards.

Using only temporary card details, virtual cards are the safe and smart way to spend no matter where you are – set it up in the app and choose from either single-use or multi-use virtual cards.†††
Get started

Your go-to card for more secure spending.

  • Protect your regular card details.
  • Set your own spending limit and card end date.
  • Use it online, in-store and overseas.*
  • Connect it to any Bankwest transaction account or credit card.†††

Choose your virtual card.

Single-use​.

Protect your card details to help you shop worry-free

Use for one-time purchases, like shopping somewhere new online. For added security, your single-use card expires after one purchase or within 24 hours if unused.

Multi-use.

Easily manage multiple payments

Customise your card by setting up your own spend and time limit. Use it for multiple purchases, like a holiday or recurring subscriptions.

Get started.

Before setting up a virtual card, open an account or credit card with us to start spending digitally.

Easy Transaction Account.

Straightforward, no-fee account for everyday spending.

  • No fees
  • No minimum deposit
  • Earn interest on a linked Easy Saver Account#
Learn more

Credit cards.

Credit cards that suit your lifestyle.

  • Low fee card options
  • Earn reward points
  • Travel benefits
  • Enjoy interest free days^
Learn more

Set up virtual cards with ease.

Common questions.

Log into the app and go to ‘Cards’ to create your virtual card. Go to the ‘Money’ tab and select + to choose from either a single-use or multi-use virtual card. Once you're all set up, add your virtual card to your digital wallet or copy your details to start making purchases.

You can use an eligible transaction or credit card account.

You can use it for online, in-store (where digital wallet payments are accepted), and over-the-phone purchases.

​If it’s multi-use, you can also use it for subscriptions. To keep your subscription, you’ll need to update your card details as soon as your card stops working. ​​

You can’t use it to Pay AnyBody or set up direct debits. You also can’t use it at ATMs or to deposit funds.​

Yes. If your request is successful, your refund will be paid to the account linked to your virtual card.

If your joint account is one to sign, you can create a card. Keep in mind, both people on the account can see any transactions made on the card.​

You can have three virtual cards linked to an eligible account at a time. If you’ve reached this limit, you can delete a card or select a different account to create a new one.​

Your transactions will appear in the transaction listing or eStatements of the account you’ve linked to your card. If you add your card to your digital wallet, you can also view your most recent transactions there.​

An expiry date is automatically generated when you create a virtual card, and you can find it by tapping on ‘Card details’. Most businesses will ask for an expiry date when you make a purchase. When creating a multi-use virtual card, you must choose a virtual card end date. The virtual card end date is the date that your multi-use virtual card will stop working.​

If the card end date comes before you use your full spend limit, you’ll still have the remaining money in your account, as long as you haven’t spent it. Keep in mind, you can no longer make purchases using your virtual card once you’ve spent your account balance, or reached your credit limit.​

It’ll be automatically removed from the app. If you’ve added your card to your digital wallet, you’ll need to remove it.​​

You can remove your single-use virtual card once you’ve used it, or after 24 hours. Your multi-use virtual card can be removed once your card end date has passed.​

No, and we’ll never send any communications requiring you to create a virtual card.​

Things to consider.

  • Apple, the Apple logo and Apple Pay are trademarks of Apple Inc. App Store is a service mark of Apple Inc. Bankwest Apple Pay Terms of Use apply.
  • Android, Google Play and the Google Play logo are trademarks of Google LLC. Bankwest Google Pay Terms of Use apply. Google Pay and Google Wallet are trademarks of Google LLC.
  • Bankwest Samsung Wallet Terms of Use apply. Samsung and Samsung Wallet are trademarks of Samsung Electronics Co Ltd.

* Foreign transaction fees

Foreign transactions are all transactions effected in foreign currency or occurring outside of Australia whether in foreign currency or Australian dollars including if you are in Australia (for example, online) where the merchant or the financial institution or entity processing the transaction is located overseas. Other fees and charges may apply, including when using overseas ATMs.

†††​ Virtual cards

Eligibility criteria apply. Virtual cards are available, subject to your account meeting the requirements, for Easy Transaction Accounts, Offset Accounts, Qantas Transactions Accounts, Retirement Advantage Accounts and all retail credit cards (where lending criteria apply).

# Easy Saver

Rates are variable and subject to changes. Interest is calculated daily on a tiered basis depending on your account balance and paid into your account on the first business day of the following month. T&Cs subject to change.

^ Interest free days

You qualify for interest free days on purchases if you pay the closing balance owing (excluding any promotional or introductory balance transfer amount) on your current statement in full by the due date. Section 24 of our Credit Cards Conditions of Use (PDF) further outlines how this interest free period is calculated.