ANZ employs various security measures to ensure that your transactions and personal information are protected. However, you as a customer can also play a big part in protecting your banking and personal information.

To help you, we have developed a number of tips and hints covering the areas of:

ANZ Internet Banking Guarantee

When using ANZ Internet or Mobile Phone Banking, ANZ has security measures in place designed to protect you against any unauthorised transactions. In the unlikely event that you are a victim of fraud, ANZ guarantees that you will be reimbursed for any unauthorised transactions. This is provided that you have complied with the Electronic Banking Conditions of Use (PDF 32kB).

In addition to this, we guarantee that unauthorised transaction claims of up to $10,000 will be reimbursed within five business days of receiving your completed documentation and it is clear you have not contributed to the loss.

It's all part of our commitment to more convenient banking.

This guarantee is made to ANZ customers using ANZ Australia Internet Banking and Mobile Phone Banking. Each year we will report on our adherence to this guarantee on our website.

Online security
ANZ employs a range of security measures to assist in protecting your personal account information. These measures extend from data encryption to firewalls. The firewall, together with encryption technology, helps to provide some of the best security available to keep your password, account details and other sensitive information, including any messages sent via SecureMail protected.
Fraud Detection System

ANZ uses sophisticated technology to monitor Internet Banking transactions and identify suspicious activity. Our Fraud Detection System looks for patterns of transactions and new behaviour which may indicate that a transaction is fraudulent. If ANZ detects fraudulent activity, we will contact you and temporarily freeze your Internet Banking access in order to prevent further fraudulent transactions.

We will continue to enhance our Fraud Detection System and strengthen our monitoring processes.

Encryption

Encryption is turning words and numbers into a coded language. Encryption prevents unauthorised users from being able to change or read your data. ANZ encrypts your personal data using 128-bit SSL (Secure Socket Layer) encryption technology. You can identify whether the Internet Banking session is secure or encrypted when you see https:// in the Address bar and/or when you see a padlock in the bottom right corner of the browser window. You can double click on the padlock to view the Digital Certificate i.e. the electronic signature to view details.

Encryption

Firewalls

ANZ employs a firewall mechanism to prevent unauthorised access to and from the network.

Internet firewall

Automatic time-outs

Within the ANZ Internet Banking system, your banking session can remain unattended for a maximum of 15 minutes. After this time, the system automatically 'logs off' and ends your session.

Remember, if you are not using your computer for a period of time, make sure you 'log out' completely from the ANZ Internet Banking system so that sensitive banking information cannot be viewed by others.

To find out how to optimise your security visit our Software Settings guide to ensure your browser has the appropriate settings selected.

Further information about the security of your account transactions and enquiries is contained within the ANZ's Electronic Banking Security Guidelines (PDF 32kB).

Account aggregation
Unless the account services are provided or referred to you by ANZ, ANZ does not authorise, promote or endorse the use of account services offered by parties other than ANZ to access your ANZ accounts (including account aggregation services, such as may be provided by other financial institutions).

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