There are steps you can take to protect yourself and make sure you don’t fall prey to attempts to take your money.
In this section we give you helpful hints and tips to protect yourself online.
- Hoax emails
- Protecting your identity
- Protecting your computer
- Using Internet Banking
- Shopping online
- Account aggregation
- Check for malicious software
Top five tips
- Keep passwords, PINs and any other security information secret including covering your card PIN when using ATMs, or Internet Banking in a public place. ANZ will never ask you to provide your PIN to an ANZ staff member.
- Protect all your other personal information, including destroying your bank statements securely, collecting your mail promptly and not providing your details to anyone you do not trust.
- Keep your computer safe by having up to date security software, checking you are only using trusted sites for purchasing items and not opening emails you’re not sure about.
- Keep your computer browser (e.g. Internet Explorer, Firefox), and product software (Microsoft Office/Adobe flash, etc) up to date. Software providers frequently develop updates and patches to address new and developing security threats.
- Report anything you are suspicious of immediately, especially if you think your card has been stolen, a suspicious transaction is on your bank statement, or your mail has been accessed by someone.
When using the Internet, including Internet Banking, always try to use hard-to-guess passwords.
Passwords will only keep outsiders out if they are difficult to guess! Don't share your password, and don't use the same password in more than one place. If someone should happen to guess one of your passwords, you don't want them to be able to use it in a number of places.
Remember the five golden rules of passwords.
Let us know immediately if you believe your password has become known or used by someone else. Call us on 13 33 50 to have your password reset.
What should I do if I receive a hoax email?
ANZ will not send you an email or SMS asking you to verify or provide Account Details, Financial Details, or login details for ANZ Phone Banking, ANZ Internet Banking or ANZ Mobile Banking.
We send emails, and these often contain hyperlinks. However, if we send you an email with a hyperlink, the link will take you to a page on our website, where you can find out more before logging in, applying or downloading.
For more information see Guidelines to Email and SMS Communications (PDF 124kB).
|Protecting your identity|
Identity theft is where your personal details are obtained to get some sort of financial or other benefit.
You can help protect your identity by following these tips:
Find out more about identity fraud and other banking frauds.
|Protecting your computer|
Is your computer and information protected from viruses? Ensure your virus protection software is always up-to-date.
A computer virus is a program that attaches itself to another program, but changes the action of that program so that the virus is able to spread. 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. A Trojan Horse is a malicious program disguised as something harmless, such as a game or a screen saver, but in fact contains hidden code that allows an intruder to take control of your machine without your knowledge.
Being protected includes three things:
For more effective Internet protection, try using a firewall as a gatekeeper between your computer and the Internet.
A firewall is a piece of software or hardware that filters all Internet traffic between your computer and the outside world. It works to either block or permit Internet traffic to and from your computer. 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.
A Firewall is seen to be essential for those that use their computers online, especially through the use of a cable modem.
For more information see Security software.
Is your computer security up-to-date? You should check your computer security on a regular basis and download the latest security upgrades.
Security is essential in protecting your information on the Internet. To do this, check your software vendors' web sites on a regular basis for new security upgrades, or use the automated patching features that some companies offer. The programs and operating system on your computer may have valuable features that make your life easier, but can also leave you vulnerable to hackers and viruses. You should evaluate your computer security on a regular basis.
Be cautious! Do not open email attachments from unknown sources.
Email is one of the prime movers for malicious viruses. Regardless of how enticing the 'subject' or attachment may look, be cautious. Any unexpected email, especially those with attachments (from someone you may or may not know), could contain a virus and may have been sent without that person's knowledge from an infected computer. Should you receive an email of this kind and you are doubtful of its legitimacy, delete it.
Make sure your family members and/or your employees know what to do if a computer becomes infected.
It's important that everyone who uses a computer is aware of proper security practices. People should know how to update virus protection software, how to download security upgrades from software vendors and how to create a proper password.
|Using Internet Banking|
Ensure you log on to Internet Banking the correct way.
Access ANZ Internet Banking by entering the website address www.anz.com into the address bar. ANZ will not send you an email asking for your account details, financial details, or login details for ANZ Phone Banking, ANZ Mobile Banking or ANZ Internet Banking. For assistance with Internet Banking, contact the ANZ Internet Banking Help Desk on 13 33 50.
Look for the security features such as the website address and the 'padlock' symbol at the bottom of your web browser.
There are three ways that you can generally verify that you are logging in to a secure web page, check that:
One, the website address changes from http:// to https://.
Two the url address bar displays 'Australia and New Zealand Banking Group Ltd (AU)' in your browser and this content is shaded green (this may be truncated due to space restrictions).
And three, a 'padlock' symbol appears on your web browser. The 'padlock' symbol indicates that the page you are on has additional security. You can double-click the padlock symbol to view the certificate's details.
You can verify the authenticity of the 'padlock'.
Double click on the 'padlock' symbol and ensure that the certificate:
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.
Do not leave your computer connected (online) when not in use.
When leaving your computer unattended, you should either shut it down or physically disconnect from the Internet connection. This lessens the chance that someone will be able to access your computer.
When viewing or using your personal information on the Internet, be aware of your environment.
Care should always be taken in unknown areas to prevent any other persons viewing your personal information, including when typing in your passwords or details of account numbers on the Internet. Be cautious when accessing public computers or any computers you do not control.
Using ANZ Internet Banking in public places - staying safe.
Shopping online can be a convenient and easy way to shop, but there are also pitfalls to be aware of. To help you we’ve put together some tips for online shopping:
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).
|Check for malicious software|
To check your computer for malicious software, ANZ recommends that you:
*No protection software will completely guarantee against unauthorised access or virus contamination, but it may increase the security of your computer systems.
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