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How ANZ helps keep you safe

We’re committed to helping keep you and your money safe from scams and fraud. Find out how we help to protect you and your banking. 

Protection against fraud

ANZ goMoney, Internet Banking and Phone Banking protection

If someone has accessed and used your credentials for ANZ goMoney, Internet Banking or Phone Banking without your authority, talk to us immediately. We'll look at how we can help and we'll reimburse you if you:

Visa Zero Liability protection

With Visa's Zero Liability policy, you won’t be held responsible for fraudulent charges or unauthorised purchases made with your ANZ Visa Debit or credit card or card account informationdisclaimer.

In the unlikely event you identify a potentially fraudulent transaction on your ANZ Visa Debit or credit card account, contact us immediately – you’ll always be protected against unauthorised use as long as you haven’t contributed to the fraud in any way.

Fraud monitoring

We have fraud monitoring systems and a dedicated team who review banking activity around the clock for anything potentially suspicious or fraudulent.

If we suspect fraudulent activity on your account, we’ll try to contact you immediately (anytime of the day or night). If we can’t contact you, we’ll make a decision on whether we need to block your account (to prevent any further losses) until we can reach you.

Two layers of authentication

OnlineCode is our additional security and identity checking service for ANZ Internet Banking and ANZ goMoney. It provides a second layer of security to verify who you are when you’re doing certain transactions in Internet Banking and goMoney.

How OnlineCode works

When you’re doing certain transactions online, we’ll send a unique OnlineCode by text message to your registered mobile phone. Then you simply enter the OnlineCode to authorise and complete the transaction. This helps us make sure it’s you making the transaction, and not someone else. You can set up your preferences for OnlineCode in ANZ Internet Banking to enable for additional transactions.

If you're registered for OnlineCode it will be required for:

  • Making payments over $10,000 in ANZ Internet Banking.
  • Sending money overseas.
  • Registering for the ANZ goMoney app.
  • Adding goMoney to a new mobile or device.
  • Resetting your goMoney access PIN using the ‘Forgot my PIN’ option.

Registering for OnlineCode

We strongly recommend you register for OnlineCode if you use Internet Banking and/or goMoney. The registration process will begin automatically when you first log on.

How to register for OnlineCode >

If you don’t have a New Zealand mobile number, or live in a low coverage area which makes receiving text messages difficult, please call us on 0800 269 348 (or +64 4 499 4079 from overseas, charges may apply).

Voice, fingerprint or face recognition identification

Biometric identification means using a unique physical or personal trait like your voice, fingerprint or face, to verify your identity.

  • Voice ID. Allows you to log in to ANZ Phone Banking or identify yourself with our contact centre with your own unique and secure voiceprint. This is a great extra layer of security, especially if you prefer to do your regular banking over the phone.
  • Fingerprint recognition. Control access to your mobile, device and banking apps using Touch ID (Appledisclaimer) or Fingerprint Login (Androiddisclaimer).
  • Face recognition. Control access to your mobile, device and banking apps using Face ID (Appledisclaimer) or Face Recognition (Androiddisclaimer).

Visa card security

Visa Secure

ANZ uses Visa Secure to help protect you from unauthorised use of your card online. Visa Secure provides extra security when you’re making purchases online with your ANZ Visa Debit or credit card so you can have more peace of mind when you’re shopping online.

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 sent a single-use Visa Secure Unique Code to your mobile phone. You will need to enter the code online to continue with your transaction.

 

ATM security 

There are various security measures in place to protect your personal information and banking while using any of our ANZ ATMs and Smart ATMs nationwide, including:

  • All ATM screens are designed so it’s hard for people to see the information from side on, keeping your personal information private.
  • There is advanced anti-card skimming technology built into all the ATMs, which makes it harder for fraudsters to install skimming devices to capture personal information like card numbers.
  • The area around ATMs will be well lit, with the majority monitored by CCTV cameras.
  • The EMV chip on all ANZ Visa Debit or credit cards allows:
    • you to use the ‘Tap & PIN’ contactless, which means you’re in control of your card at all times
    • the transaction is secured using EMV standards throughout the whole process.

Industry partnering

We’re partnered with expert industry organisations such as CERT NZ, who are the leading cyber-security organisation in New Zealand. Working closely with our partners means we’re on top of emerging scam and fraud trends, and ensures the information we provide is up to date and relevant.

Fraud awareness

We proactively issue alerts via Facebook, Twitter and the latest scams page if we become aware of a new or emerging scam or fraud risk.

We also provide fraud education sessions to community and industry groups. Contact us on 0800 269 296 find out more or register your interest.

Eligibility criteria, terms and conditions apply to ANZ Internet Banking, ANZ goMoney, and ANZ Phone Banking. See our Electronic Banking Conditions for more information.

Visa's Zero Liability policy covers Australian and New Zealand-issued cards and does not apply to ATM transactions, transactions not processed by Visa or certain commercial card transactions. Cardholders should notify their issuer promptly of any unauthorised Visa use. Please consult your issuer for additional details.

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Apple, the Apple logo, iPhone, Apple Watch and Apple Pay are trademarks of Apple Inc., registered in the U.S. and other countries. Terms and Conditions apply for Apple Pay. See anz.co.nz/ApplePay for more information.

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Android and Google Pay are registered trademarks of Google LLC. Terms and conditions apply to Google Pay, see Google Pay for more information.

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