Pen or PIN

Do I need to enter a PIN at the EFTPOS terminal for a credit transaction?
No. You can continue to verify your transactions with a signature if you wish. Entering a PIN may be faster.
How will Pen or PIN change the way I make payments at EFTPOS terminal devices?
Depending on whether your card has a PIN, you may have a choice of verifying your credit purchase with either a PIN or a signature at the point of sale. When the EFTPOS terminal asks for a PIN, you can enter your PIN to complete the transaction, or choose to press Enter/OK to proceed to signature verification as you do now. There is no need to sign on a merchant receipt if a PIN has been used and the transaction is already approved.
Will I be charged additional fees to use a PIN to verify my card purchase?
No. You will not be charged additional fees to use a PIN to verify your card purchases.
What if I don't have a PIN on my ANZ credit card?
Simply call ANZ or visit your local branch if you would like a PIN on your ANZ credit card. If you do not have a PIN at present, simply sign for your purchases until we send you a PIN.
What if I have exceeded my PIN tries at a terminal?
ANZ cardholders are allowed three PIN retries at EFTPOS terminals from midnight to midnight Melbourne time. Your PIN retry counter will be reset at midnight Melbourne time each day. However, we recommend that you contact us if you continue to have problems with your PIN.
Will Pen or PIN affect all EFTPOS terminals?
Pen or PIN will apply to credit transactions at all PIN capable EFTPOS terminals. Please note that some unmanned EFTPOS terminals may not have PIN capability.
Will Pen or PIN impact how I use my card/s overseas?
Customers that have a PIN-enabled credit card may be able to use PIN to verify their purchases at the point of sale overseas.
Will Pen or PIN affect how I use ATMs?
There will be no changes to how you currently use an ATM.
If I have exceeded my PIN tries at an EFTPOS terminal and my card is blocked, can I go to an ATM to change my PIN?
The EFTPOS system blocks the card after three incorrect PIN tries, but the card is still usable on the ATM network. If you are an ANZ cardholder and know the original PIN, you can change it at any ANZ ATM. However, changing the PIN at an ATM will not unblock the card from the EFTPOS system until the midnight reset. On the other hand, if you exceed PIN tries at an ATM, your card will be retained by the ATM.
What if I am not prompted for a PIN?
In most cases where you are not prompted for a PIN, the EFTPOS terminal will print a receipt and you'll be asked for a signature. It is possible that some EFTPOS terminals may not be configured to accept a PIN or your card may not have a PIN.

Chip cards

What is a chip credit card?
A chip credit card has an embedded security microchip. A credit card with a security chip is more secure than one with just the magnetic stripe on the back of the card, as the security chip makes it more difficult to fraudulently copy the credit card details.
What does this mean to ANZ customers?
From October 2006, all new and replaced ANZ Visa credit cards will contain a chip. All new and replaced ANZ MasterCard credit cards will contain a chip as of July 2008. ANZ was the first bank in Australia to issue credit cards with a security chip and is one of the leaders in Australia in improving security.
What are the benefits of a chip credit card?

A chip credit card is a credit card with an embedded security microchip. A credit card with a security chip is more secure than one with just the magnetic stripe on the back of the card, as the security chip makes it more difficult to fraudulently copy the credit card details.

Chip technology is fast becoming the global standard for credit card security. In Europe and Asia, it is already being widely used and has proven to be effective in preventing fraud. In Australia, ANZ was the first bank to issue credit cards with a security chip and we are continuing to make changes to bring you the most secure system we can.

How do I use a chip credit card?

As Australia shifts to chip technology, you may see minor differences in how your chip credit card is processed when making purchases. As part of the transition to chip, over the next few years more and more in-store payment terminals will be updated with chip technology.

How your chip credit card is used today

At some merchants your chip credit card will be used the same way as your previous credit card:

  • the card is swiped through the in-store payment terminal
  • you then sign the receipt to authorise the transaction.

How your chip credit card will be used in the future

At some merchants, particularly overseas:

  • the merchant assistant will insert your card into the in-store payment terminal
  • it will remain inserted for the entire transaction
  • you will still be required to sign the receipt to authorise the transaction after your card has been removed.
How does a chip credit card differ from a card with just a magnetic stripe?
A security chip credit card is more secure than one with just a magnetic stripe on the back of the card, because it is more difficult for someone to fraudulently copy your card.
How does the chip provide additional security and help to prevent fraud?
Chip credit cards can store encrypted confidential information, which significantly helps to protect the card against counterfeit fraud. A chip transaction generates a unique transaction and because each transaction generates a different ID, this makes the counterfeit production of the card more difficult. It does not use any additional personal data.
Does the ANZ security chip credit card use RFID (Radio Frequency Identification) technology?
The ANZ security chip credit card does not use RFID Technology. It is not possible for anyone to use a contactless scanner to copy the ANZ security chip credit card.
Could a contactless scanner copy my ANZ security chip credit card?
It is not possible for anyone to use a contactless scanner to copy the ANZ security chip credit card. The ANZ security chip credit card does not use RFID (radio frequency identification) technology.
Are other countries planning to use chip credit cards?
Chip is fast becoming the global standard for credit card security. Chip cards are now the dominant card type for transactions throughout Europe and increasingly in Asia. Many countries are in the process of changing over to chip card technology.
I am travelling overseas, how will this affect me?

If you are travelling overseas, we strongly recommend that you have a personal identification number (PIN) on your chip credit card.

Many countries have recently migrated to chip and PIN technology. You can still use your card wherever Visa and MasterCard are accepted and most countries will require that you sign for verification of the transaction, as you normally do in Australia.

However some countries may require transactions to be completed with a PIN instead of a signature. This why we strongly recommend you have a PIN on your chip credit card. If you do not already have a PIN on your card, you will need to visit your local ANZ branch.

Are chip credit cards the way of the future?
Yes. Chip credit cards are fast becoming the global standard for credit card security. Visa and MasterCard issuers worldwide have issued more than 400 million chip cards.
Does the chip store additional information regarding my transactions and personal information?
No, the chip cannot obtain any additional personal information. The chip holds the same personal data as that on the magnetic stripe (eg cardholder name, card number and expiry date), and the chip also provides additional security features to safeguard against counterfeiting.
Do chip credit cards work in the ATM?
Yes, you will be able to continue your ATM banking requirements as normal without any change.
Do I have to use a PIN to make chip credit card purchases or can I still sign for authorisation?

Within Australia there will be no requirement to use a PIN in the foreseeable future. ANZ will advise you of any changes if required. Please continue to sign for verification of your transactions.

If you are travelling overseas, we strongly recommend that you have a PIN on your credit card. Many countries have recently migrated to chip and PIN technology, which means that those countries may require transactions to be completed with a PIN instead of a signature. If you do not already have a PIN on your card you will need to visit your local ANZ branch.

Can I download a brochure regarding chip credit cards?

Yes, you can download this brochure regarding the chip card:

Verified by Visa

What is Verified by Visa?
Verified by Visa is a free service that provides extra protection when you shop online at Verified by Visa merchants using your ANZ Visa Card. It lets you use a personal password while making purchases online via an SMS, giving you the added assurance that only you can use your ANZ Visa Card.
How does Verified by Visa provide me with more protection?

Verified by Visa activates a two-way confirmation between yourself and Visa:

You will be required to enter the One Time Password that you will receive via SMS.

What is a personal SMS used for?
When you are authenticated while shopping online using your Visa Card a SMS will be sent to the mobile phone number recorded on ANZ’s systems.
How much does it cost to enrol with Verified by Visa?
Nothing. VerfiedbyVisa is a free service, which is offered for added online shopping security.
What happens if I don't want to enrol?
All customers are auto enrolled into the Verified by Visa service which provides all customers with added security when shopping online.
Can additional cardholders shop with Verified by Visa once I enrol?
If there are multiple cardholders, each cardholder will be enrolled with the VerifiedbyVisa protection at participating merchants.
Where can I shop with Verified by Visa protection?
You will be able to shop online with Verified by Visa protection at participating Verified by Visa merchants.
How do I unlock my card if it has been locked?
Contact ANZ on 13 33 50 for assistance, 24 hours a day, 7 days a week.

MasterCard® SecureCode™

What is MasterCard SecureCode?

MasterCard SecureCode is an online security service provided at no additional cost that protects your card against unauthorised use when you shop online.

When you shop at participating online stores, you will enter your MasterCard SecureCode One Time Password sent by SMS. It means that only you can use your MasterCard online, giving you the same assurances you have when you use your card in a physical store.

How does MasterCard SecureCode work?

Once you have enrolled in MasterCard SecureCode, your MasterCard will be recognised as being SecureCode enabled. This will activate a two-way confirmation.

Enter your MasterCard SecureCode One Time Password to confirm your identity.When the correct password has been entered this will confirm your identity and the purchase will be completed.

You will only have three attempts to correctly enter the MasterCard SecureCode One Time Password before your MasterCard becomes locked. To unlock your account, you will need to contact ANZ on 13 33 50 and confirm your MasterCard account details.

What is personal message?

Your personal message is the message that you create when you enrol for MasterCard SecureCode.

Your personal message will be displayed whenever you make an online purchase with your ANZ MasterCard at participating merchants. This message provides you with the assurance that you are dealing with a MasterCard SecureCode merchant.

What are the benefits of MasterCard SecureCode?

The MasterCard SecureCode provides extra security for your card. When you shop at participating online stores, you will enter your MasterCard SecureCode One Time Password.

If an unauthorised individual attempted to make an online purchase on your card, ANZ would reject the online purchase when an incorrect SecureCode was given.

Although you are still able to dispute unauthorised transactions, SecureCode help save the time involved in disputing them.

When do I use MasterCard SecureCode?
MasterCard SecureCode can only be used when the merchant is participating in the MasterCard SecureCode service. A merchant participating in the MasterCard SecureCode service will usually display the SecureCode logo on their site and you will be asked to provide your MasterCard SecureCode One Time Password to complete the online purchase.
Will my Additional Cardholders need to enrol?
No, all cardholders are auto enrolled for MasterCard SecureCode. Additional cardholders will also receive a One Time Password sent via SMS to the number listed on ANZ systems.
What if the online shop is not a participant in the MasterCard SecureCode service?

If the merchant is not a participant in the MasterCard SecureCode service then the normal process for making online purchases will apply. You can take precautions to protect your card by checking that the page is secure before entering your payment details. To ensure the page is secure, check for the following:

  • Website URL will change from http to https (where the 's' indicates that it is a secure site).
  • Either a padlock symbol lock symbol or a key symbol key symbol is in the bottom left hand corner. This can indicate that the page is secure.
Do I need a new card to enrol?
No you will not need a new card to enrol for this service.
How do I unlock my card when shopping online?
You can call ANZ on 13 33 50 for assistance unlocking your card, 24 hours a day, 7 days a week.

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