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Security

We're committed to working with you to ensure the money you spend or keep in an account is safe and secure.

Take time to learn how to protect yourself, by looking at the information we've created on security and financial crimes.

General Security

Always keep your contact details up to date and ensure any personal information that you print out is either shredded or securely destroyed.

We understand how important security and confidentiality are to our customers which is why we take internet security very seriously. We have strict measures in place to help ensure your private information is protected at all times when accessing Online Banking.

We also aim to protect you against the threats associated with Internet fraud, however it is very important that you take care to guard your own information.

If you believe your Online Banking account, Password, or Personal Identification Number (PIN) has been compromised in any way please contact us immediately on 1300 135 481.

Our security system closely monitors all telephone banking transactions to help detect any fraudulent activity.

Always remember, we will never ask you for your Password.

  • Protect your computer by installing the latest security software and ‘patches’ (fix it software) for your operating system.
  • Ensure you have up to date anti-virus/spyware software installed along with a secure firewall.
  • Always keep a backup of your current computer files/important information.
  • Delete all spam email and never open email attachments or click on links from people you don’t know.
  • Never respond to unsolicited emails asking you to divulge your personal information or financial details.
  • Stay alert and be wary of email, internet and telephone hoaxes and scams: if something appears too good to be true it usually is.
  • If possible, avoid using shared computers (internet cafes, hotels and airports).

It is important that you are aware of potential fraud attempts you may come across. Some common threats are:

  • Phishing
  • Trojan horse
  • Spyware
  • Viruses
  • Online job scams
  • Card skimming
  • Identity theft
  • Investment scams

For more information on known threats and their descriptions refer to www.scamwatch.gov.au.

Card security

We have systems in place that closely monitor card transactions in order to identify suspicious activity and minimise fraud losses.

If we view suspicious transactions on your account we will verify with you either by phone or SMS that they are yours.

In the event that we are unable to contact you we may place a temporary stop on your account to prevent further fraud spend.

We issue Chip cards to prevent counterfeit cards being produced by fraudsters.

Ensure you are the only person that knows your Customer Number and PIN.

Never write down or share your PIN.

Stay alert when using ATMs and EFTPOS, always keeping the pin pad hidden when entering your PIN.

Watch carefully if a store or venue clerk offers to swipe your card for you. Never allow them to enter your PIN.

Following some basic safety rules with your card can help keep you protected.

  • Register with Verified by VISA for added security shopping online.
  • Sign your cards as soon as you receive them.
  • Check your statements and call us immediately if you identify any unauthorised transactions.
  • Do not allow someone else, regardless how well you know them, to perform transactions with your card.
  • Always remember to retrieve your card after making purchases.
  • Cut up any expired cards and dispose of securely.

Online security

  • Ensure you are the only person who knows your Customer Number and Online Banking Password.
  • Never follow an email link that takes you directly to a login screen - fraudsters are clever and will try and replicate your bank’s login screen.
  • Do not use a device that you do not trust to login to Online Banking, for example a friend’s computer or mobile phone.
  • When logged on to Online Banking, never leave your device unattended for any period of time.
  • Always logout of Online Banking when you are finished.
  • Always look for the padlock symbol in your web browser when connected to Online Banking – clicking on it verifies that you are using the correct webpage and your connection is encrypted with SSL.

To ensure your account information is only accessible by you, our Online Banking service employs a secure login process, known as SSL (Secure Socket Layer). SSL is utilised every time data is transferred between yourself and the bank. It protects you in the following ways:

  • Authentication – it prevents another computer impersonating the bank
  • Encryption – it scrambles data over the Internet
  • Data integrity – it verifies and determines that any information sent to us has not been altered in transmission

We have put in place a security system that monitors Online Banking transactions to help detect any fraudulent activity. It’s important to note that we will never ask you for your Online Banking Password (in person, online, over the phone or by mail).

Before certain functions can be completed in Online Banking, we will text a unique security code to your mobile. You then enter this code to complete your operation.

Our anti-virus protection stops threats before they reach our computer network and established Firewalls prevent unauthorised access to our network.

Automatic time-out

Although we recommend you don’t leave your account unattended while performing your banking online, to help safeguard your security we will automatically log you out if your Online Banking activity remains inactive for a period of time.

Lockout

If your Customer Number and Password are entered incorrectly too many times Online Banking will assume an unauthorised person is trying to access your account and will block your logon until you notify us and confirm your correct details.

Previous session

Each time you logon, Online Banking will display at the top of your screen the date and time you last logged on.

Additional assistance with scams and threats

Further information on how to stay safe and secure online can be found on these websites:

You must be familiar with the Terms and Conditions of Online Banking relevant to your account prior to using this service.

If you are unclear about any term or conditions, please call the phone number on your statement for assistance.

© Bendigo and Adelaide Bank Limited ABN 11 068 049 178 AFSL/Australian Credit Licence 237879.

Online Banking is provided by Adelaide Bank, a division of Bendigo and Adelaide Bank Limited. The products and services on this website are only available to Australian residents and are subject to Australian law. To the extent permitted by law, the Bank does not accept liability for loss or damage to any person using or relying on information on this website or accessed through this website. If the Bank is liable despite this exclusion, the Bank limits its liability (to the extent permitted by law) to the resupply of such information. The Bank does not accept any liability for information on third-party websites linked to this website. You access and use those websites at your own risk.

Online Banking is provided by Adelaide Bank a division of Bendigo and Adelaide Bank Limited ABN 11 068 049 178. AFSL/Australian Credit Licence 237879.