7:27
โ—โ—โ—
Westpac
Digital Banking
๐Ÿ‘ค
๐Ÿ”’
Forgot customer ID or password โ€บ
9:41
โ—โ—โ—
Westpac
Contact usSign out
Good day, there ๐Ÿ‘‹
HOW CAN WE HELP YOU TODAY?
๐Ÿ” Search your banking
Accounts+ New account
2 hidden accountsโš™
Home
Cards
$
Products
Profile
9:41
โ—โ—โ—
โ€น Accounts
XRP Account
100.0000 XRP๐Ÿ”’
โ‰ˆ $342.00 AUD ยท Locked in WestpacEarn
+
Buy
โ€“
Sell
โ†‘
Send
โ†“
Receive
WestpacEarn ยท active
1.60% p.a. net
Paid in
RLUSD
Started 5 Apr 2026Matures 5 May 2026
Accrued this term
+0.1169 RLUSD
View history โ€บ
Live XRP / AUD
โ€”
...
Account typeXRP ยท XRPL Network
NetworkXRPL Network
Custody modelWestpacEarn (title transferred, unsecured)
Wallet addressrEb8Tkus...T4mGJ7
9:41
โ—โ—โ—
โ€น XRP Account
WestpacEarn history
XRP ยท 1.60% p.a. net ยท 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 โ€” principal will roll into a new 30-day term on 5 May 2026
Payments
Current termUpcoming
5 Apr 2026 โ†’ 5 May 2026
18 days until payout ยท 1.60% p.a. net
+0.1169
RLUSD accruing
Interest paymentPaid
6 Mar 2026 โ†’ 5 Apr 2026
Ref: WPE917121
+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.
9:41
โ—โ—โ—
โ€น Back
Buy XRP
From
Westpac Choice
$4,280.00 available
โ€บ
To
XRP Account
Current: 100.0000 XRP
$
1 XRP = $3.4200 AUDLive ยท CoinGecko
You will receive approx 29.2398 XRP
9:41
โ—โ—โ—
Purchase Complete
โœ“
XRP Purchased!
0.0000 XRP
$0.00 deducted from Westpac Choice
Date & Time17 Apr 2026, 12:31 pm
FromWestpac Choice
Rate1 XRP = $3.42
New XRP balance100.0000 XRP
Reference:
9:41
โ—โ—โ—
โ€น Back
Sell XRP
From
XRP Account
Balance: 100.0000 XRP
Deposit net proceeds into
Westpac Choice
Current: $4,280.00
Amount to sell (XRP)
โœ•
Mid-market ยท 1 XRP = $3.4200 AUDLive ยท CoinGecko
Gross proceeds at mid$0.00 AUD
Westpac spread (1.00%)โˆ’ $0.00
You receive$0.00 AUD
9:41
โ—โ—โ—
โ€น Back
Confirm with PIN
Enter your trading PIN to confirm
Selling 0.0000 XRP
Net to Choice: $0.00
9:41
โ—โ—โ—
Sale Complete
โœ“
XRP Sold!
$0.00
Deposited to Westpac Choice
Date & Time17 Apr 2026, 12:31 pm
XRP sold0.0000 XRP
Gross at mid$0.00
Westpac spreadโˆ’ $0.00 (1.00%)
Net to Choice$0.00
New Choice balance$4280.00
Reference:
9:41
โ—โ—โ—
โ€น Accounts
โ‚ฟ
Bitcoin Account
0.00000000 BTC
โ‰ˆ $0.00 AUD
+
Buy
โ€“
Sell
โ†‘
Send
โ†“
Receive
Live BTC / AUD
โ€”
...
Account typeBTC ยท Bitcoin
NetworkBitcoin (native SegWit)
Wallet addressโ€”
CustodySegregated ยท 1:1 reserves
9:41
โ—โ—โ—
โ€น Accounts
ฮž
Ethereum Account
0.000000 ETH
โ‰ˆ $0.00 AUD
+
Buy
โ€“
Sell
โ†‘
Send
โ†“
Receive
Live ETH / AUD
โ€”
...
Account typeETH ยท Ethereum
NetworkEthereum mainnet
Wallet addressโ€”
CustodySegregated ยท 1:1 reserves
9:41
โ—โ—โ—
โ€น Accounts
R$
My RLUSD account
0.1232 RLUSD
โ‰ˆ $0.19 AUD ยท Stablecoin ยท Pegged 1:1 USD
+
Buy
โ€“
Sell
โ†‘
Send
โ†“
Receive
RLUSD / AUD
$1.5200
Pegged 1:1 USD ยท Redeemable on demand
Account typeStablecoin ยท Pegged 1:1 USD
NetworkXRPL
Wallet addressrHb2FkLUSD...ssRAnd
CustodySegregated ยท Backed by reserves held at partner banks
Backed by reserves held at partner banks; redeemable 1:1 on demand. RLUSD reserves are audited monthly and published by Ripple Labs.
9:41
โ—โ—โ—
โ€น Accounts
U$
USD Coin
0.0000 USDC
โ‰ˆ $0.00 AUD ยท Stablecoin ยท Pegged 1:1 USD
+
Buy
โ€“
Sell
โ†‘
Send
โ†“
Receive
USDC / AUD
$1.5200
Pegged 1:1 USD ยท Issued by Circle
Account typeStablecoin ยท Pegged 1:1 USD
NetworkEthereum
Wallet addressโ€”
CustodySegregated ยท Backed by Circle reserves
USDC is issued by Circle Internet Financial. Reserves are held 1:1 in cash and short-duration US Treasuries, attested monthly.
9:41
โ—โ—โ—
โ€น Accounts
e$
eAUD Account
0.00 eAUD
โ‰ˆ $0.00 AUD ยท CBDC ยท Issued by the RBA
+
Buy
โ€“
Sell
โ†‘
Send
โ†“
Receive
Central Bank Digital Currency
Issued 1:1 by Reserve Bank of Australia
Westpac is an authorised RBA Pilot participant
Account typeCBDC ยท Sovereign digital cash
NetworkRBA Pilot
Wallet addressโ€”
CustodyWestpac Banking Corporation (authorised pilot participant)
Yield productNot available โ€” 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.
9:41
โ—โ—โ—
โ€น Accounts
W
Westpac Shares
0 shares
โ‰ˆ $0.00 AUD ยท @ $32.45/share
+
Buy
โ€“
Sell
ASX ยท WBC
$32.45
Last close ยท ASX delayed 20 min
Account typeASX-listed equity ยท CHESS-sponsored
CHESS HINโ€”
SponsorWestpac Share Trading
Last dividend / shareโ€”
Next ex-div dateโ€”
Frankingโ€”
Est. dividend yieldโ€”% p.a.
Brokerage per trade$14.95 flat
SettlementT+2 ยท 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.
9:41
โ—โ—โ—
โ€น Cancel
โš ๏ธ
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.
9:41
โ—โ—โ—
โ€น Cancel
โš ๏ธ
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.
9:41
โ—โ—โ—
โ€น Back
Send XRP
Wallet Address
Network
Selected network
XRPL Network
XRP
Memo Tag
Amount (XRP)
โœ•
โ‰ˆ $0.00 AUDNetwork fee applies
9:41
โ—โ—โ—
โ€น Back
Confirm with PIN
Enter your trading PIN to confirm
Sending โ€” XRP
To: โ€”
9:41
โ—โ—โ—
Transaction Submitted
โœ“
XRP Sent!
0 XRP
Submitted to the XRPL Network
Date & Time17 Apr 2026, 12:31 pm
To Addressโ€”
Memo Tagโ€”
NetworkXRPL Network
Remaining100.0000 XRP
TXID:
9:41
โ—โ—โ—
โ€น Back
Receive XRP
โš ๏ธBoth the address AND memo tag are required. Deposits without a memo tag may be lost.
For XRP deposits on XRPL Network
โœ•
Scan to deposit XRP
Address
rEb8TkusMCJchLR7QCJDf2thmGJTcT4mGJ7
Memo Tag
1867804532
Network: XRPL Network
9:41
โ—โ—โ—
โ€น Cancel
Open Digital Asset Account
Choose your assets
Each asset opens a dedicated account. Crypto and stablecoin accounts use real on-chain addresses; equity accounts settle through CHESS.
Crypto
Volatile crypto assets ยท self-custody option
โ‚ฟ
Bitcoin
BTC ยท Bitcoin network
โœ“
ฮž
Ethereum
ETH ยท Ethereum mainnet
โœ“
โœ•
XRP
XRP ยท XRPL Networkยท 1 existing account
Stablecoins & CBDC
Pegged to USD or AUD ยท backed by reserves or sovereign issuance
R$
Ripple USD
RLUSD ยท XRPL Network
Active
U$
USD Coin
USDC ยท Ethereum
e$
eAUD
eAUD ยท RBA Pilot
Australian Securities
ASX-listed equity ยท CHESS-settled
W
Westpac
WBC ยท ASX ยท 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.
9:41
โ—โ—โ—
โ€น 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 โ€” 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

9:41
โ—โ—โ—
โ€น 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 โ€” see the PDS. This information is general only and does not take into account your objectives, financial situation or needs.
9:41
โ—โ—โ—
Accounts ready
โœ“
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