Card Security

Suspect you are the victim of fraud?

Card-not-present is the unauthorised use of a customer’s card details to purchase products or services in a non-face-to-face setting, for example shopping online, by mail, or by phone. Criminals typically try to capture card details by targeting the computer systems belonging to merchants or service providers where payments data might be stored (e.g. purchase online). Criminals also target individual consumers by phishing for card information or by inserting malware onto their computers or mobile devices.

Counterfeit cards and skimming devices

Card skimming is the term used for the unauthorised copy of card details (including the PIN) at an ATM or EFTPOS terminal. The cards details are transferred over to a counterfeit card and used to access your account without your knowledge. Skimming devices can be fitted to ATMs or used by retail staff who hide them and use them without your knowledge.

Protection tips

Never use an ATM which looks unusual and that you think has been tampered with;
Make sure there is not a ‘card reader’ or skimming device fitted to the front of the ATM;
Keep your card in sight at all times when making EFTPOS or Visa transactions - treat your card like cash;
Always protect your PIN - cover your hand when entering your PIN so no-one else can see it;
Only enter your PIN in devices that look like genuine payment terminals; and
Check your bank statements regularly to ensure you recognise all of the transactions.

Using your card online

The convenience of online shopping has made buying and selling on the internet increasingly appealing. It is important to exercise caution when sharing personal and financial information online.

Protection tips

Make sure the websites you are shopping from are secure and have "https" in the URL when you are in their checkout/purchase process. Look for the "s" for security in the URL of the page;
When you are in the secure section of a web site, you will also see an icon for a locked padlock on your browser, either on the address bar or on the bottom right corner;
Continuously update your virus protection software from your security software provider;
Employ a URL scanning tool to ensure you will be warned if you click on links that lead to infected web pages;
Keep your private information private by creating a separate email account that is just for shopping. Use a different password from your other accounts and do not affiliate it with your personal, everyday email account;
Keep unique and different passwords for each shopping account, bank account, card account, and email account. Unique passwords for each account make it tougher for a thief to steal your personal information;
Stay alert, if an offer seems too good to be true, it probably is. Be cautious of fake/spoof website especially if the online retailer doesn't provide a physical address, or contact phone numbers; and
Be cautious of sites that offer free trials where personal information and payment details (such as card information) must be provided to participate in the trial.

If you suspect your card details have been stolen, contact us immediately on 1300 802 222 so we can help to protect you. Alternatively you can report your card as being lost or stolen using your Internet Banking by selecting the ‘Updated Card Status’ option under ‘Services’.