How we’re fighting scams and fraud, every day
Tools you can use to help beat the scammers
Shop safer online with dynamic security code
Dynamic security code is an extra layer of protection for your ANZ Visa card when shopping online.
Instead of using the security code printed on the back of your card, you can use a dynamic security code that updates every 12 hours which helps limit the number of fraudulent transactions if someone gets hold of your card details online.
Your dynamic security code is available in goMoney, go to Cards, choose a Visa card, then select Show card details.
OnlineCode, our two -factor authentication
OnlineCode is our two-factor authentication and provides a second layer of security to verify certain transactions or updates in goMoney and Internet Banking.
If you’re registered for OnlineCode, it works by sending a unique code via text message to your registered mobile phone.
You then enter the code in goMoney or Internet Banking. This helps us make sure it’s you making the transaction or requesting a change, and not someone else.
You can register for OnlineCode in Internet Banking or by phoning us.
Control how your card can be used
Turning off certain types of purchases you don’t use much can give you added security and peace of mind.
Use card settings in goMoney to change how your ANZ Visa Debit or credit card and mobile wallet can be used.
You can turn on and off online shopping, overseas in-person purchases, contactless purchases and online gambling transactions.
Voice, fingerprint or face identification
You can use biometric identification, like your voice, fingerprint or face, to verify your identity.
You can control access to your device and goMoney using your fingerprint or face recognition.
When you call us, or use Phone Banking, Voice ID allows you to identify yourself with your own unique and secure voiceprint.
Online shopping protection with Visa Secure
ANZ uses Visa Secure to help protect you from unauthorised use of your card online. With Visa Secure, purchasing online with your ANZ Visa Debit or credit card is as fast and secure as buying in store.
Visa Secure works automatically, and most of the time you won’t notice it. But for certain purchases on sites protected by Visa Secure, you will be asked to confirm your identity in one of two ways:
• ANZ Payment Check with Visa Secure – you'll receive an ‘ANZ Payment Check’ notification on your registered mobile that asks you to open goMoney to confirm an online payment.
• Visa Secure Code – you’ll receive a one-time passcode to your registered mobile phone by text message. You’ll then need to enter the code online to continue with your payment.
More protection against fraud
Visa Zero Liability protection
With Visa's Zero Liability policy, you’re covered if your personal ANZ Visa Debit or credit card is ever lost, stolen or unauthorised purchases are made (excluding ATM transactions) with your card or card account information—.
You’ll always be protected against unauthorised use as long as you haven’t contributed to the fraud in any way.
Online and Phone Banking fraud protection
If someone used your goMoney, Internet Banking or Phone Banking without your authority, talk to us immediately. We'll look at how we can help. We'll reimburse you if you:
- Told us as soon as you found the problem
- Weren’t dishonest or negligent
- Took reasonable steps to protect your banking, including by complying with our terms and conditions.
Card payments to cryptocurrency exchanges
We block payments using ANZ Visa Debit and credit cards to some cryptocurrency exchanges that we believe are high-risk. We do this to protect our customers as we’re seeing a significant number of scammers and fraudsters using these exchanges to move stolen money quickly overseas, making it nearly impossible to recover for victims. It’s important to note that our approach doesn’t mean the cryptocurrency exchanges are a scam or fraudulent.
Blocking card payments to some cryptocurrency exchanges may impact your ability to transfer money to those exchanges.
More ways we help protect you
If you’re the victim of a scam or fraud
If you think you may be the victim of a scam, call us immediately
From overseas: +64 4 470 3142
Important information
Eligibility criteria and terms and conditions apply to the ANZ goMoney app, Internet Banking, Phone Banking, Voice ID and Pay to Mobile. For details, see our Electronic Banking Conditions (PDF 138KB).