We take the security of your personal and account information seriously. Whether you’re using ANZ Internet Banking, ANZ goMoney® or our Grow by ANZ app, you can bank online with confidence knowing that your transactions and personal information are protected with:
|Our fraud detection system|
We use sophisticated technology to monitor your transactions and identify suspicious activity whether you’re using ANZ Internet Banking, ANZ goMoney® or our Grow by ANZ app. Our Fraud Detection System looks for patterns of transactions and new behaviour which may indicate that a transaction is fraudulent. If we detect fraudulent activity, we'll attempt to contact you and temporarily freeze your ANZ Internet Banking, ANZ goMoney® or Grow by ANZ app access in order to prevent further fraudulent transactions.
We will continue to enhance our Fraud Detection System and strengthen our monitoring processes.
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 - TLS v1.0 (Transport Layer Security) encryption technology.
|Automatic time outs|
If you have not logged out or exited your banking session, we will automatically time-out your session to protect your sensitive banking information.
Remember to make sure you exit your banking session before leaving your device unattended.
SMS notifications are sent to your registered mobile number to notify you that certain high risk transactions have been performed via your ANZ Internet Banking, ANZ goMoney® or Grow by ANZ app. If you or a linked customer did not perform the transaction, immediately notify us on 13 33 50.
Why is ANZ sending customers a SMS notification?
ANZ is taking various measures to make online and banking via an app more secure for its customers. Sending SMS notifications for certain high risk transactions is one such measure to ensure you have a safer, more secure banking experience with ANZ.
What information will the SMS provide?
The SMS will provide you with the transaction amount, the last four digits of the payee account number and the channel (ANZ Internet banking, ANZ goMoney® or Grow by ANZ).
I received a SMS Notification from ANZ but do not recall performing the transaction. What should I do?
Please check your account first to verify the transaction. If you or an authorised customer linked to the account did not perform the transaction, please call 13 33 50 immediately.
How often will I receive this SMS?
The SMS is triggered only when certain high risk transactions are performed and it will depend how often these transactions are made by you. SMS Notifications are an important way that ANZ is making sure your banking is safe and secure.
If more than one person is linked to a personal or business account, who will receive the SMS Notification?
The SMS will be sent to the saved mobile number of the primary customer linked to the account.
|Our ANZ Internet Banking guarantee|
When using ANZ Internet Banking, ANZ goMoney® or our Grow by ANZ app, we've got security measures in place designed to protect you against any unauthorised transactions. In the unlikely event that you are a victim of fraud, we guarantee that you'll be reimbursed for any unauthorised transactions1. This is provided you didn’t contribute to the loss, and let us know as soon as you find out.
This guarantee is made to ANZ customers using ANZ Australia Internet Banking, ANZ goMoney® or our Grow by ANZ app. Each year we will report on our adherence to this guarantee on our website.
1Provided you have complied with the Electronic Banking Conditions of Use.
We also have extra levels of protection for your ANZ Internet Banking:
ANZ Shield is our newest security measure to help verify your ANZ Internet Banking activity. We're committed to helping you bank simply and safely. That's why with our ANZ Shield security app, you now have extra security to unlock extra ANZ Internet Banking features.
ANZ Shield is a free security app for compatible Android™ and iPhone® devices. It allows you to generate a one-time passcode - known as a Shield Code - to authenticate certain ANZ Internet Banking payments and activities as an alternative to answering your Challenge Questions.
Generate a one-time ANZ Shield code to:
What if you haven't registered for ANZ Shield yet?
Don't worry, your ANZ Internet Banking is still protected by our other security measures but you can verify your activity and bank more conveniently by registering for ANZ Shield.
What you need to do
Who can use ANZ Shield?
You're eligible to register for ANZ Shield if you:
If you're a business customer using ANZ Internet Banking for Business, you will continue to use your existing ANZ Security Device which already provides you with an additional layer of security. ANZ Shield is available for use with ANZ Internet Banking only.
For more information visit ANZ Shield.
When you first register for ANZ Internet Banking, you will need to establish your Challenge Questions and answers. Challenge questions are a security feature that adds an extra level of protection. They're three questions from a predefined list that you set up with your own personal answers. If you are not registered for our security app ANZ Shield , you'll be prompted with your challenge questions when performing certain "risky" activities within ANZ Internet Banking, such as adding a new biller to your address book, or updating your mobile number.
What if you haven't set up your challenge questions yet?
Don't worry, your ANZ Internet Banking is still protected by our other security measures but you can make it even more secure by setting up your challenge questions.
What you need to do
As a customer you can also play a big part in protecting your details and making sure you're safe online, not just while you’re banking. Find out more about our tips for protecting yourself online.
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