Bank securely online

We are committed to providing you with a safe and secure transaction environment. Some of our leading-edge and industry-standard technology and processes include,

Two-Level Authentication

In order to transact on ANZ Digital Banking, users are required to be authenticated twice. The first level authentication is performed through the use of the Username and Password, while the second level is through One-time Password generated with your Security Device or sent to your mobile number registered with ANZ.

128-bit Secure Socket Layer (SSL) encryption

The 128-bit Secure Socket Layer (SSL) encryption is an international standard that other Financial Centres in the world uses for securing data communication between the browser and websites. Digital certificate technology is used to ensure transaction privacy, message integrity and server-side authentication. This serves as an assurance that the website runs legitimately under the care of the Bank.

All data sent to and from ANZ is "scrambled" and "reassembled" between ANZ and your personal computer using 128-bit encryption, the highest level of encryption commercially available.

Safeguard yourself by adopting these best practices.

Surf online safely

  • Ensure that the ANZ website address changes from 'http://' to 'https://' and a security icon resembling a lock or key appears beside the address bar.
  • Do not disclose your personal, financial or credit card information to unknown or suspicious websites.
  • Do not open email attachments from strangers and unknown sources or by installing software or run programs from unknown origins.
  • ANZ will not request you to divulge your Username and Password. You should never share these with anyone.
  • Equip your personal computer with the latest virus detection software and anti-spyware so as to protect yourself against virus and other malicious attacks.
  • Install a personal firewall to protect against hackers, virus attacks or Trojan horses.
  • Update the anti-virus, anti-spyware and firewall products with security patches or newer versions on a regular basis.
  • Avoid downloading any files from websites or people you are not familiar with.
  • Avoid using programs that allow you to automatically receive or preview files.
  • Delete all suspicious, junk and chain emails. Malicious Trojan horses or virus can be launched onto your computer.
  • Avoid subjecting your mobile devices and software that operates on these devices to any unnecessary modification. Doing so increases the vulnerability to malicious software such as worms or viruses.
  • Do not use a shared computer or device that cannot be trusted for internet banking such as in an internet café. These devices may be installed with software that could capture your personal information without your consent.

Manage your Internet Banking Passwords

  • Passwords should contain at least 6 characters, in a combination of numbers and alphabets in upper and lower case.
  • Change your Password periodically.
  • Avoid saving your Username or Password on your internet browser.
  • Avoid using the same Password for different websites, applications or services.
  • Avoid keeping a record of your Username and Password. Memorize it instead.
  • Do not use easy to remember dates or numbers, such as your identity card number or birth dates, as your Username or Password.
  • Do not allow anyone to use or tamper with his/her ANZ Security Device nor reveal the One-Time Password generated by his/her ANZ Security Device to anyone.
  • Avoid revealing the serial number of your Security Device to anyone.
  • Do not leave your Security Device unattended.
  • If you lose your mobile phone or change your mobile phone numbers, notify ANZ immediately.

Clear your cache regularly

Computers may retain images or copies of data sent or received over the internet. We recommend clearing internet browser's disk cache after each internet banking session.

Clear cache in windows
Windows®
Internet Explorer 8 and 9 1. Click on 'Tools'.
2. Choose 'Delete Browsing History'.
3. Uncheck 'Preserve Favorites website data', and select 'Temporary Internet files, Cookies, and History'.
4. Click on 'Delete'.
Internet Explorer 7 1. Click on 'Tools'.
2. Choose 'Internet Options'.
3. Click on 'Delete...' in the Browsing History section.
4. Click on 'Delete Files' at the top and click on 'OK'.
5. After it has finished, click 'OK'.
Firefox 2.x 1. Click on 'Tools'.
2. Select 'Clear Private Data'.
3. Ensure that the only options selected are 'Download History' and 'Cache'.
4. Click on 'Delete Files' at the top and click on 'OK'.
5. Click on 'Clear Private Data Now'.
Firefox 1.5 and 1.0 1. From the 'Tools' menu, select Options.
2. Click on 'Privacy'.
3. Ensure that the only options selected are 'Download History' and 'Cache'.
4. In 1.5, select the 'Cache' tab, and then click the Clear 'Cache Now button'. In 1.0, next to 'Cache', click the 'Clear' button, and click 'OK'.
Netscape 7.1 and higher 1. Click on navigation icon ≡ (located at the top right of the browser)..
2. Choose 'Options', and click on 'Privacy'.
3. Click on 'Cache' and click on 'Clear'.
Google Chrome

1. Click on (located at the top right of the browser).
2. Select 'More Tools', and select on 'Clear browsing data'.
3. Select 'Browsing History, Download History, Cookies and other site and plugin data, Cached Images and files'.
4. Click on 'Clear browsing data'.

Clear cache in Mac OS
Mac® OS
Safari 1. From the Safari menu, select 'Empty Cache'.
2. When prompted, click 'Empty'.
Firefox 1.x and higher 1. From the Firefox menu, select Preferences.
2. From the drop-down menu, select Privacy.
3. In 1.5, click 'Clear Cache Now'. In 1.0, next to 'Cache', click the 'Clear' button, and 'OK'.
Netscape 7.1 and higher 1. Click on Netscape at the top.
2. Click on 'Preferences'.
3. Click on the triangle next to 'Advanced' on the left.
4. Click on 'Cache'.
5. Click on 'Clear Cache'.
Google Chrome 1. Click on (located at the top right of the browser).
2. Select 'More Tools', and select on 'Clear browsing data'.
3. Select 'Browsing History, Download History, Cookies and other site and plugin data, Cached Images and files'.
4. Click on 'Clear browsing data'.

Ensure you are on our secured website

  • You should not receive any negative warning messages regarding the server certificates.
  • You can ensure that both certificate and site are legitimate by viewing the VeriSign certificate on the logon page.
  • To verify that the website is authentic, check for the following details:
    • The certificate is issued to sgib.anz.com.sg
    • The certificate is issued by Verisign.
    • The certificate has a valid date.
    • Right-click on the Logon page > Select Properties, Connection: TLS 1.0, RC4 with 128 bit encryption (High); RSA with 2048 bit exchange

Other Security Precautions

  • Disable file and printer sharing from your computer while online.
  • Avoid installing or running software application from unknown sources.
  • Do not enter or disclose your personal data to unfamiliar web sites.
  • Never leave your computer unattended and ensure it is properly logged-off and shut down from any online session while it is not in use.
  • Check the balance of your bank account(s) as well as transaction records before you log off and report any discrepancies to ANZ immediately.

Stay Alert to Internet Threats

It is important to know the mechanisms behind internet threats and take preventive measures to safeguard yourself. Here are some of the examples of internet threats:

Phishing: Phishing means creating a replica of an existing web page to deceive consumers into submitting personal or confidential information. Phishing is a term coined by hackers who imitate legitimate companies in emails to entice people to share static passwords or credit card numbers. Other names for phishing are brand spoofing, carding, fake websites, and email scams.

Cyber-mugging: While cyber-mugging are emails that appear legitimate, but when opened, install Trojans and Keystroke sniffers onto customers' computers so that sensitive information can be stolen.

Malware: Malware is designed to steal user information by altering the look and feel of bank's websites."SpyEye" malware will steal login credentials such as User ID, Internet Banking PIN and One-Time Password (OTP) from the user. It can also disable anti-virus protection and take over control of your computer.

Trojan horse: Trojan horses can sneak past computer security fortification, such as firewalls, by employing like-minded trickery. Trojan horse program are used to dupe a user into installing the Trojan horse by looking like standard software.
Once Trojan horses gains control of the system, it can cause severe damage, such as ruining the file allocation table on your hard disk. A Trojan horse may be widely redistributed as part of a computer virus.

Keystroke sniffer: A Keystroke sniffer is a software program that takes images and screen shots of everything one does on one's computer, from a mouse click to details like a password entry.

Salami Slicing: It involves stealing money in small amounts each time, through many bank accounts. This technique works on the fact that most people will not notice or complain about a small discrepancy in their accounts. For example, a hacker may charge two dollars to each account on a particular scheduled date. With 100,000 accounts each amounting to $2, the total amount of money can be substantial.

Report Security Incidents

Please contact our 24-Hour Customer Service at 1800 269 2269 or + (65) 6269 2269 (from overseas) when:

  • Your Security Device is lost or has been stolen.
  • You suspect someone else has access to your Password and/or any other confidential information.
  • You find that there are unusual transaction records on your ANZ Digital Banking or ANZ SG Mobile.

We may need you to furnish us your details and descriptions of the incident and aim to provide you with an interim update of our investigations within (2) two working days, while we work towards getting a final resolution within (5) five working days, where possible.

Bank securely on your mobile devices

Safeguard yourself by adopting these best practices.

  1. Do not open email links or attachment from unknown senders.
    One common way hackers spread their malware is by sending emails with malicious attachments that can infect your mobile devices. Only access emails from senders you trust.

  2. Do not click on pop-up ads or 'Clickbait' from suspicious or unknown sources.
    Another method hackers use to spread malware is by attracting users to click on pop-up ads or 'Clickbait' post sent via phishing emails, SMS, WhatsApp messages, or posted on social media. If clicked, users get re-directed to a website that downloads malwares onto their phone or an application embedded with malwares.
    Users may also be re-directed to a phishing website asking them to provide their credit cards and mobile number. With these personal details, these stolen details will be used to perform Card-Not-Present (CNP) transactions.

  3. Do not install 3rd party mobile apps that are not from the official app store.
    Both Apple and Google screen apps in their app stores for malicious codes.
    Apple only allows users to install apps available on their official App Store unless their device is modified or jailbroken. Jailbreaking modifies the iOS operating system. This allows the device to access apps and features such as free downloads to games or new interface that aren’t authorised by Apple. This also means that the operating system is at a higher risk of being exposure to malicious codes.
    While Android users are allowed to install apps outside the Google Play Store, users who want to stay safe can refuse permission to install them by enabling the following settings. Settings > Security > Uncheck "Unknown sources: Allow installation of apps from sources other than the Play Store".
    To safeguard your security, the ANZ Mobile Singapore app cannot be used on smart phones which have been rooted or jailbroken. ANZ Mobile Singapore should also only be installed from the Google Play Store or Apple App Store.

  4. Generate your One-Time PIN (PIN) via your Security Device.
    Security Device, otherwise known as token, are much safer than mobile / smart phones as they are isolated devices that malware cannot reach.

  5. Check your mobile / smart phone for malwares with anti-virus mobile apps.
    You can download these apps released by trusted companies, such as AVG, Norton or Kaspersky among many others.
    Anti-virus apps are generally not necessary as long as you practise safe surfing habits, do not download unauthorised apps or click on suspicious links.

Reporting Incidents

Please contact our 24-Hour Customer Service at 1800 269 2269 or + (65) 6269 2269 (from overseas) when:

  • Your Security Device is lost or has been stolen.
  • You suspect someone else has access to your Password and/or any other confidential information.
  • You find that there are unusual transaction records on your ANZ Digital Banking or ANZ SG Mobile.

We may need you to furnish us your details and descriptions of the incident and aim to provide you with an interim update of our investigations within (2) two working days, while we work towards getting a final resolution within (5) five working days, where possible.

You need Adobe Reader to view PDF files. You can download Adobe Reader free of charge.