Making yourself more aware of different types of online fraud is the first step in protecting yourself online. However, you also need to take preventative steps to keep your personal information safe. To help you do this, we have developed the following online security tips and hints:
Online shopping is hugely convenient, offers an unmatched range of products to choose from and is quite safe, as long as you play it safe. Here’s how:
Only use secure websites
When purchasing something online, make sure that when you input your credit card details they’re being processed using a secure connection. The most common form of secure connection is known as a Secure Sockets Layer (SSL). SSL encrypts data by breaking it down into small pieces that cannot be read by anyone attempting to intercept it.
Depending on your browser settings you may receive a message stating that you are about to enter a secure area. This usually occurs on the first page you are asked to enter personal details.
You should also look for a padlock symbol in the lower right hand corner of your browser. And most often, the website address in your browser address bar will also change from staring with ‘http’ to ‘https’.
Never send your credit card details through non-secure methods such as email.
Never buy anything from spam emails
Junk mail offers that seem too good to be true, usually are. They’re scams designed to steal your personal details, infect your computer and take your money. If you have any doubts about a website, spend your money elsewhere.
Shop online from reputable, well-known companies
Well-known companies are more likely to use the latest online security measures and handle large numbers of transactions.
Investigate company reputation with first time purchases
When making a first time purchase, make sure the company has a good reputation. As well as word of mouth from friends and family, you should also search consumer websites where companies and their products are discussed.
Check seller contact details
Keep transaction records
Never throw away electronic receipts or email confirmations for your online purchases. Not only are these are a convenient way to track shipping dates and other details, but they’re also a key piece of evidence should a dispute arise regarding an online purchase.
Remember the six golden rules of passwords
1. Do not choose a password that is easily identified with you (for example, your date of birth, telephone number or your name or any part of it)
2. A password should have a minimum of eight characters and be as meaningless as possible - use upper and lower case, numbers and symbols e.g. xk28LP97
3. Change passwords regularly, at least every 30 days
4. Do not give out your password to anyone! Be wary of unsolicited calls or emails requesting personal information or card numbers. Neither ANZ nor the police would ask you to disclose PIN’s or password information.
5. Do not write your password down even if it is disguised.
6. Don’t use the same password in more than one place. If you suspect that your password has become known to a third party, contact the ANZ Internet Banking Help Desk immediately on 13 33 50 to have your password reset.
Ensure your virus protection software is always up-to-date
Viruses range from harmless pranks that merely show an annoying message, to programs that can destroy or disable a computer altogether.
Anti-virus software is designed to better protect you and your computer against known viruses, worms and Trojan Horses.
Being protected means three things:
1. Having protection on your computer in the first place.
2. Checking for new Internet security protection software updates daily.
3. Scanning all the files on your computer periodically including incoming and outgoing emails.
Two leading security software providers (AVG and Symantec) are offering ANZ customers a 90 day free trial of their market leading software. After the trial there is an option to purchase this software at a discounted rate. Read more about this great security software offer.
Use a firewall
A firewall is a piece of software or hardware that filters all Internet traffic between your computer and the outside world. You can use the Firewall to better protect your home or business computer and any personal information it holds from offensive websites, spam and unauthenticated logins from potential hackers. For more information see Security software.
Always log on the correct way
Enter the website address www.anz.com directly into the address bar.
Never access ANZ Internet Banking from a link in an email and enter personal details. If in doubt, contact the ANZ Internet Banking team on 13 33 50.
Look out for website security features
There are two ways that you can generally verify that you are logging onto a secure web page:
1. The website address changes from http:// to https://.
2. A 'padlock' symbol appears at the bottom of your web browser. The 'padlock' symbol indicates that the page you are on has additional security.
You can verify the authenticity of the 'padlock'.
Double click on the 'padlock' symbol and ensure that the certificate:
- is issued to www.anz.com
- is issued by VeriSign
- has a valid start and expiry date.
Authentic certificate example:
If you receive a warning message (for example name mismatch, invalid date, untrusted certifying authority or failed to retrieve revocation list), please terminate the Internet session immediately and contact the ANZ Internet Banking Help Desk on 13 33 50.
Email is one of the prime movers for malicious viruses as well as being one of the main tools criminals use to solicit information from you. Therefore,
• Be cautious of emails from unknown sources
• Turn off the preview window in your email program
• Don’t click on attachments or links in suspicious emails, especially if the attached file ends in ‘.exe’
Delete the email
If you receive a hoax email, delete the email immediately. Do not click on any links in the hoax email and; do not open any attachments. ANZ will not send you an email asking for your Account Details, Financial Details, or login details for ANZ Phone Banking, ANZ Mobile Banking and ANZ Internet Banking.
All hoax email incidents should be reported to ANZ's Internet Banking team on 13 33 50 (International +61 3 9683 8833). Please refer to the Helpdesk for any further questions.