ANZ employs various security measures to ensure that your transactions and personal information are protected when using ANZ Internet Banking (IB). These measures extend from data encryption to firewalls.

The firewall, together with encryption technology, helps to provide some of the best security available to keep your password, account details and other sensitive information, including any messages sent via Bank Mail protected.

Fraud detection system

ANZ uses sophisticated technology to monitor Internet Banking transactions and identify suspicious activity. Our fraud detection system looks for patterns of transactions and new behaviour which may indicate that a transaction is fraudulent.

If ANZ detects suspected fraudulent activity, we will contact you and temporarily freeze your Internet Banking access in order to prevent further fraudulent transactions. Note that our staff will never ask for customer passwords or PINs.

We will continue to enhance our fraud detection system and strengthen our monitoring processes.

Encryption

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 128-bit SSL (Secure Socket Layer) encryption technology.

You can identify whether the Internet Banking session is secure or encrypted when you see "https://" in the address bar and/or when you see a padlock in the bottom right corner of the browser window.

You can double click on the padlock to view the digital certificate ie the electronic signature to view details.

Firewalls

ANZ employs a firewall mechanism to prevent unauthorised access to and from the network.

Firewall

Automatic time-outs

In the ANZ Internet Banking system, your banking session can remain unattended for a maximum of 10 minutes. After this time, the system automatically "logs off" and ends your session.

Remember, if you are not using your computer for a period of time, make sure you "log out" completely from the ANZ Internet Banking system so that sensitive banking information cannot be viewed by others.

To find out how to optimise your security and ensure your browser has the appropriate settings selected:

For further information about the security of your account transactions and enquiries:

Account aggregation

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, which may be provided by other financial institutions).

‘Two-factor authentication’ - OnlineCode

For additional security, the Bank has a ‘two-factor authentication’ process called OnlineCode. This process is mandatory for high value payments (over $10,000) and Sending Money Overseas. It works by sending a unique single use 8-digit code to your mobile phone to authenticate the payment.

You can also use OnlineCode as an added security feature for smaller payments or for other functions, such as logging on, changing your Internet Banking password, or setting up bill payees and automatic payments.