ANZ employs various security measures to ensure that your transactions and personal information are protected. However, you 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:
Phishing is a scam where hackers 'fish' for your personal details by using hoax emails claiming to be from financial institutions. This method continues to be favoured by online thieves.
Emails claiming to be from banks are often generated overseas and are sent in bulk. The email asks the recipient to provide sensitive information such as their User ID, password, Customer Registration Number or PIN by providing a link leading to a legitimate-looking website, enabling thieves to gather the details for later fraudulent use.
An example of a hoax email is shown below:
Dear ANZ BANK customer,
We recently reviewed your account, and suspect that your ANZ BANK account may have been accessed by an unauthorized third party. Protecting the security of your account and of the ANZ BANK network is our primary concern.
Therefore, as a preventative measure, we have temporarily limited access to sensitive ANZ BANK account features.
Click the link below in order to regain access to your account:
For more information about how to protect your account, please visit ANZ BANK Security Center.
We apologize for any inconvenience this may cause, and appreciate your assistance in helping us maintain the integrity of the entire ANZ BANK system.
Thank you for your prompt attention to this matter.
The ANZ BANK Security Department Team
If you receive an email requesting you to re-register or re-enter sensitive details, delete it immediately and notify the ANZ Digital Banking Support Centre.
You can minimise your risk of becoming a Phishing scam victim by:
- Typing www.anz.com/hongkong into your Internet browser to log on to ANZ Digital Banking
- Treating all emails requesting personal log on information such as User ID or password with extreme caution
- Immediately deleting emails of unknown origins, no matter how innocent or provocative the subject headings sound
- Changing your ANZ Digital Banking password on a regular basis
- Keeping your security software up-to-date and performing regular scans of your computer.
Remember that authentic ANZ emails will not request personal details or log on information.
Spyware is a type of software that secretly collects user information while on the Internet.
Adware is a type of spyware used by marketers to track Internet user’s habits and interests for the purpose of customising future advertising material. Adware can monitor information such as the types of sites visited, articles read or the types of pop-ups and banners the user clicks on. The information is then used to customise future advertisements directed to the user, or can be sold to a third party for the same purpose.
There are products available that can help you detect, monitor and remove spyware from your computer. Many security software suites come standard with spyware detection and removal features.
You can minimise your chances of unintentionally downloading spyware onto your computer by:
- Reviewing terms and conditions when you install free programs or subscribe to services from the Internet
- Using up-to-date anti-spyware programs to regularly scan your computer.
A computer virus is software that attaches itself to another program. Similar to a biological virus, it must attach itself to another program to survive and reproduce. Unlike Trojans, which are self-sufficient programs, viruses can only run if the infected program is running. While active, the virus attempts to reproduce and attach itself to other programs. This can tie up resources such as disk space and memory, causing problems on any computer.
An email virus is the latest type of computer virus. It is transported through email messages and usually replicates by automatically distributing itself out to all contacts in the infected email address book.
A worm is similar to a virus. It exploits computers in a network that contain security holes. Once a security hole is found, the worm will attempt to replicate itself from computer to computer. Like viruses, worms can be equally destructive.
You can increase your chances of ensuring your computer is free from worms and viruses by:
- Installing anti-virus software and a personal firewall, keeping them updated
- Regularly checking for and installing security patches for your operating system
- Not accepting email attachments from unknown sources
- Installing software from trusted sources only.
A Trojan is a destructive program that pretends to be a harmless application. Unlike viruses, Trojans do not replicate themselves and do not need a host program to attach to.
Today's computer users often accept Trojan horses onto their computers, believing that the program is harmless or even helpful. Some Trojans will claim to rid the computer of viruses or other harmful applications, but instead introduce viruses and leave it vulnerable to attacks by hackers.
You can minimise your chances of unintentionally downloading Trojans by:
- Not opening emails or accepting attachments from unknown sources
- Installing software from trusted sources only.
- Not clicking on links within emails from unknown sources
- Regularly scanning your computer for Trojans and other malicious programs with up-to-date anti-virus software
- Using a firewall to limit unauthorised traffic to and from your computer while connected to the Internet
- Downloading and installing security patches for your operating system as soon as they are available.
ANZ takes cyber security seriously and operates a number of defences. On Tuesday, October 14, 2014, GOOGLE announced details of a vulnerability that their researchers have found within the implementation of the Secure Sockets Layer (SSL v3) protocol and have dubbed the attack as 'POODLE'. Specifically, the vulnerability allows for an attacker to potentially hijack connections and would have the ability to take over a session to a web server and interact with that web server as if you were communicating with it. In response to this threat, ANZ has conducted extensive assessments across our systems. We are continuing to monitor the situation and will take action as necessary to ensure the services that our customers depend on remain safe. All customers are advised to follow secure cyber practices, regularly changing passwords and not clicking on suspicious emails and links. Customers should also update operating systems, web browsers, and device software when available.
You need Adobe Reader to view PDF files. You can download Adobe Reader free of charge.