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Westpac
Digital Banking
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Westpac
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Accounts+ New account
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XRP-settled · ~4 sec
International transfer
Send to 18 currencies — from $0.50 per transfer when you fund with your own XRP
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2 hidden accounts⚙
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‹ Accounts
XRP Account
100.0000 XRP🔒
≈ $342.00 AUD · Locked in WestpacEarn
+
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–
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↑
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WestpacEarn · active
1.60% p.a. net
Paid in
RLUSD
Started 7 Apr 2026Matures 7 May 2026
Accrued this term
+0.1169 RLUSD
View history ›
Live XRP / AUD
—
...
Account typeXRP · XRPL Network
NetworkXRPL Network
Custody modelWestpacEarn (title transferred, unsecured)
Wallet addressrEb8Tkus...T4mGJ7
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‹ XRP Account
WestpacEarn history
XRP · 1.60% p.a. net · paid in RLUSD
Lifetime earnings
Paid to date+0.1232 RLUSD
Accruing this term+0.1169 RLUSD
Total0.2401 RLUSD
Auto-roll at maturity
On — principal will roll into a new 30-day term on 7 May 2026
Payments
Current termUpcoming
7 Apr 2026 → 7 May 2026
18 days until payout · 1.60% p.a. net
+0.1169
RLUSD accruing
Interest paymentPaid
8 Mar 2026 → 7 Apr 2026
Ref: WPE114513
+0.1232
RLUSD
Interest is calculated daily on your principal balance and paid at the end of each 30-day term. Westpac retains 25% of gross yield as a service fee. Balances held under WestpacEarn are not deposits for the purposes of the Banking Act 1959 and are not covered by the Financial Claims Scheme.
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‹ Back
Buy XRP
From
Westpac Choice
$4,280.00 available
›
To
XRP Account
Current: 100.0000 XRP
$
1 XRP = $3.4200 AUDLive · CoinGecko
You will receive approx 29.2398 XRP
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Purchase Complete
✓
XRP Purchased!
0.0000 XRP
$0.00 deducted from Westpac Choice
Date & Time19 Apr 2026, 8:41 am
FromWestpac Choice
Rate1 XRP = $3.42
New XRP balance100.0000 XRP
Reference:
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‹ Back
Sell XRP
From
XRP Account
Balance: 100.0000 XRP
Deposit net proceeds into
Westpac Choice
Current: $4,280.00
Amount to sell (XRP)
✕
Mid-market · 1 XRP = $3.4200 AUDLive · CoinGecko
Gross proceeds at mid$0.00 AUD
Westpac spread (1.00%)− $0.00
You receive$0.00 AUD
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‹ Back
Confirm with PIN
Enter your trading PIN to confirm
Selling 0.0000 XRP
Net to Choice: $0.00
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Sale Complete
✓
XRP Sold!
$0.00
Deposited to Westpac Choice
Date & Time19 Apr 2026, 8:41 am
XRP sold0.0000 XRP
Gross at mid$0.00
Westpac spread− $0.00 (1.00%)
Net to Choice$0.00
New Choice balance$4280.00
Reference:
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‹ Accounts
₿
Bitcoin Account
0.00000000 BTC
≈ $0.00 AUD
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Live BTC / AUD
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...
Account typeBTC · Bitcoin
NetworkBitcoin (native SegWit)
Wallet address—
CustodySegregated · 1:1 reserves
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‹ Accounts
Ξ
Ethereum Account
0.000000 ETH
≈ $0.00 AUD
+
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Live ETH / AUD
—
...
Account typeETH · Ethereum
NetworkEthereum mainnet
Wallet address—
CustodySegregated · 1:1 reserves
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‹ Accounts
R$
My RLUSD account
0.1232 RLUSD
≈ $0.19 AUD · Stablecoin · Pegged 1:1 USD
+
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RLUSD / AUD
$1.5200
Pegged 1:1 USD · Redeemable on demand
Account typeStablecoin · Pegged 1:1 USD
NetworkXRPL
Wallet addressrHb2FkLUSD...ssRAnd
CustodySegregated · Backed by reserves held at partner banks
XRPL reserve1.2 XRP (1.0 base + 0.2 trust line)
Backed by reserves held at partner banks; redeemable 1:1 on demand. RLUSD reserves are audited monthly and published by Ripple Labs.
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‹ Accounts
U$
USD Coin
0.0000 USDC
≈ $0.00 AUD · Stablecoin · Pegged 1:1 USD
+
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USDC / AUD
$1.5200
Pegged 1:1 USD · Issued by Circle
Account typeStablecoin · Pegged 1:1 USD
NetworkEthereum
Wallet address—
CustodySegregated · Backed by Circle reserves
USDC is issued by Circle Internet Financial. Reserves are held 1:1 in cash and short-duration US Treasuries, attested monthly.
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‹ Accounts
e$
eAUD Account
0.00 eAUD
≈ $0.00 AUD · CBDC · Issued by the RBA
+
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Central Bank Digital Currency
Issued 1:1 by Reserve Bank of Australia
Westpac is an authorised RBA Pilot participant
Account typeCBDC · Sovereign digital cash
NetworkRBA Pilot
Wallet address—
CustodyWestpac Banking Corporation (authorised pilot participant)
Yield productNot available — CBDC cannot be lent by commercial banks
eAUD is a Central Bank Digital Currency issued directly by the Reserve Bank of Australia under the RBA/DFCRC Project Acacia framework. Held by Westpac Banking Corporation as an authorised pilot participant. CBDC balances cannot be lent or rehypothecated by commercial banks.
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‹ Accounts
W
Westpac Shares
0 shares
≈ $0.00 AUD · @ $32.45/share
+
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ASX · WBC
$32.45
Last close · ASX delayed 20 min
Account typeASX-listed equity · CHESS-sponsored
CHESS HIN—
SponsorWestpac Share Trading
Last dividend / share—
Next ex-div date—
Franking—
Est. dividend yield—% p.a.
Brokerage per trade$14.95 flat
SettlementT+2 · CHESS
Shares are CHESS-sponsored by Westpac Share Trading. You are the legal owner; Westpac acts as sponsor only. A SRN (Shareholder Reference Number) is issued to your registered email after first settlement. Trades settle T+2 on the ASX.
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‹ Cancel
⚠️
Important Warning
Please read carefully before proceeding
You are now sending XRP on the XRPL Network directly.

You hereby accept the risks of sending it to the wrong address and having your funds UNRECOVERABLE.

By clicking ACCEPT AND CONTINUE you do not hold Westpac responsible for any transfers you make from this account.

Always double-check the destination address and memo tag. On-chain transactions are irreversible.
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‹ Cancel
⚠️
Important Warning
Please read carefully before proceeding
You are about to receive XRP directly on the XRPL Network.

Always verify your address AND memo tag are correct before sharing them with any sender.

Funds sent to the wrong address or without the correct memo tag are UNRECOVERABLE.

Westpac is not responsible for incorrectly shared deposit details. Always double-check before sharing.
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‹ Back
Send XRP
Wallet Address
Network
Selected network
XRPL Network
XRP
Memo Tag
Amount (XRP)
✕
≈ $0.00 AUDNetwork fee applies
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‹ Back
Confirm with PIN
Enter your trading PIN to confirm
Sending — XRP
To: —
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Transaction Submitted
✓
XRP Sent!
0 XRP
Submitted to the XRPL Network
Date & Time19 Apr 2026, 8:41 am
To Address—
Memo Tag—
NetworkXRPL Network
Remaining100.0000 XRP
TXID:
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‹ Back
Receive XRP
⚠️Both the address AND memo tag are required. Deposits without a memo tag may be lost.
For XRP deposits on XRPL Network
✕
Scan to deposit XRP
Address
rEb8TkusMCJchLR7QCJDf2thmGJTcT4mGJ7
Memo Tag
1867804532
Network: XRPL Network
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‹ Cancel
Open Digital Asset Account
Choose your assets
Each asset opens a dedicated account. Crypto and stablecoin accounts use real on-chain addresses; equity accounts settle through CHESS.
Crypto
Volatile crypto assets · self-custody option
₿
Bitcoin
BTC · Bitcoin network
✓
Ξ
Ethereum
ETH · Ethereum mainnet
✓
✕
XRP
XRP · XRPL Network· 1 existing account
Stablecoins & CBDC
Pegged to USD or AUD · backed by reserves or sovereign issuance
R$
Ripple USD
RLUSD · XRPL Network· 1 existing account
U$
USD Coin
USDC · Ethereum
e$
eAUD
eAUD · RBA Pilot
Australian Securities
ASX-listed equity · CHESS-settled
W
Westpac
WBC · ASX · CHESS
Each account is managed via multi-party computation (MPC) custody infrastructure. Withdrawals to external wallets are subject to AML/CTF and Travel Rule checks. Equity accounts settle T+2 through CHESS and require a Shareholder Reference Number.
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‹ Back
Custody & yield
How your crypto is held
Your assets are held in segregated custody by default. You can optionally enable a yield product on a per-asset basis.
Default
Segregated custody
Westpac Digital Asset Custody Pty Ltd holds your crypto 1:1 on the relevant blockchain. Assets are bankruptcy-remote, not commingled with Westpac's balance sheet, and cannot be lent or rehypothecated.
Yield paid to you0.00% p.a.
Opt-in
WestpacEarn
Transfer balances into a deposit product where Westpac takes title and may lend against holdings on a fractional-reserve basis, alongside its banking book. You become an unsecured creditor of Westpac for the balance.
Indicative yield (BTC / ETH)2.40% p.a.
One model applies to your account. You can switch between them at any time.
Important — Custody disclosure

Segregated custody. Crypto held under the default option is held on trust for you by Westpac Digital Asset Custody Pty Ltd, operating under AFSL conditions set by the Corporations Amendment (Digital Assets Framework) Act 2026. Client assets are segregated from Westpac Banking Corporation's balance sheet and are not available to Westpac's creditors in an insolvency.

WestpacEarn (opt-in only). If you enable WestpacEarn, you transfer legal title of the specified balance to Westpac Banking Corporation. Those balances are not held on trust, are not covered by the Financial Claims Scheme, and may be lent, pledged, or otherwise used by Westpac on a fractional-reserve basis. You rank as an unsecured creditor for the return of an equivalent quantity of the relevant crypto asset plus accrued yield.

Read the full Product Disclosure Statement

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‹ Back
Confirm consent
Confirm and consent
Please confirm you've read and understood the key terms before we provision your addresses.

Enable WestpacEarn now

You can turn this on or off anytime per asset.

Westpac Banking Corporation ABN 33 007 457 141 AFSL 233714. Westpac Digital Asset Custody Pty Ltd is a wholly-owned subsidiary operating under separate licence. Trading and custody fees apply — see the PDS. This information is general only and does not take into account your objectives, financial situation or needs.
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Accounts ready
✓
Accounts provisioned
1 native blockchain address created. You can receive deposits immediately, or buy directly in-app.
XRPL Network
R$ Ripple USD account
rHb2FkLUSDxRppLeExmpLeWaL1etAddr3ssRAnd
Custody modelSegregated custody
WestpacEarnDisabled
Daily buy limit$25,000 AUD
External withdrawalEnabled
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‹ Cancel
International transfer
Who are you sending to?
Recipient name
Destination currency
🇺🇸
USD · US dollar
United States · 1 AUD ≈ 0.6579 USD
✓
🇪🇺
EUR · Euro
Eurozone · 1 AUD ≈ 0.6124 EUR
🇬🇧
GBP · Pound sterling
United Kingdom · 1 AUD ≈ 0.5213 GBP
🇯🇵
JPY · Japanese yen
Japan · 1 AUD ≈ 99.85 JPY
🇨🇳
CNY · Chinese yuan
China · 1 AUD ≈ 4.79 CNY
🇮🇳
INR · Indian rupee
India · 1 AUD ≈ 55.30 INR
🇳🇿
NZD · NZ dollar
New Zealand · 1 AUD ≈ 1.09 NZD
🇨🇦
CAD · Canadian dollar
Canada · 1 AUD ≈ 0.9084 CAD
🇨🇭
CHF · Swiss franc
Switzerland · 1 AUD ≈ 0.5814 CHF
🇭🇰
HKD · Hong Kong dollar
Hong Kong · 1 AUD ≈ 5.14 HKD
🇸🇬
SGD · Singapore dollar
Singapore · 1 AUD ≈ 0.8825 SGD
🇦🇪
AED · UAE dirham
United Arab Emirates · 1 AUD ≈ 2.42 AED
🇿🇦
ZAR · South African rand
South Africa · 1 AUD ≈ 12.03 ZAR
🇲🇽
MXN · Mexican peso
Mexico · 1 AUD ≈ 12.78 MXN
🇹🇭
THB · Thai baht
Thailand · 1 AUD ≈ 22.40 THB
🇵🇭
PHP · Philippine peso
Philippines · 1 AUD ≈ 37.85 PHP
🇮🇩
IDR · Indonesian rupiah
Indonesia · 1 AUD ≈ 10580.00 IDR
🇻🇳
VND · Vietnamese dong
Vietnam · 1 AUD ≈ 16420.00 VND
Bank name (optional)
Account / IBAN (optional)
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How much?
To recipient in United States
$
Live rate: 1 AUD = 0.6579 USD · Settled via XRP bridge
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Pay from
Cheaper fees when you use your own XRP
AUD accounts · aud bank funding tier
$
Westpac Choice
0.80% all-in (min $1.00) · Buy-and-send via XRP
$4,280.00 available
✓
$
Westpac Life
0.80% all-in (min $1.00) · Buy-and-send via XRP
$15,780.40 available
XRP wallets · best rateCHEAPEST
✕
XRP Account
0.25% all-in (min $1.00) · Direct XRP bridge
100.0000 XRP ≈ $342.00 AUD
RLUSD wallets · mid tier
R$
My RLUSD account
0.40% all-in (min $1.00) · Stablecoin bridge
0.1232 RLUSD · insufficient
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‹ Back
Confirm transfer
🇺🇸
receives
$0.00 USD
You pay $1.00 AUD · settles in ~4 sec
XRP bridge path
$0.00
AUD
→
0.0000
XRP (ledger)
→
$0.00
USD
✓ Direct XRPL settlement
Bank of America (pilot) (United States) is an XRPL coalition member since 2025.
Bank-to-bank settlement in ~4 seconds
Fee breakdown
Send amount$0.00 AUD
Westpac fee (0.80% all-in, min)$1.00
Total$1.00 AUD
Settlement via Bank of America (pilot). Fees are all-in — no hidden spread, no network markup. The XRP bridge itself costs fractions of a cent on the ledger.
💰 You save vs. traditional SWIFT wire
SWIFT cost (est)$30.00
XRP-settled cost$1.00
You save$29.00
Traditional SWIFT: ~$30 flat + 2.5% spread · 1–3 business days. Westpac on XRP: ~4 seconds.
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‹ Back
Confirm with PIN
Enter your PIN to send
$0.00 USD to
9:41
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Transfer complete
✓