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. 

Security around the clock

We have many layers of security to protect and defend you and the bank against fraud.

This includes a 24/7 Security Operations Centre analysing data events every day to help keep the bank, its customers, and staff safe online.

We monitor the latest threat intelligence, and use this information to improve our detection and defense mechanisms. 

Protection against fraud

ANZ goMoney, ANZ Internet Banking and ANZ Phone Banking protection

If someone has accessed and used your credentials for 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 information.

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.


ANZ Fraud Check – text or email checks

Alongside Voice ID, OnlineCode and Visa Secure we may also send you a text or email if we suspect a transaction might be fraudulent. You won’t be asked to click on a link, we’ll simply ask you to reply ‘Yes’ or ‘No’ to confirm if the purchase was authorised. 

The message will include details about the transaction (amount, merchant name and the last four digits of the card used) or account activity triggering ANZ Fraud Check. 


Two layers of authentication

Unique code to confirm a transaction

OnlineCode is our additional security service for goMoney and Internet Banking. It provides a second layer of security to verify certain transactions in the goMoney app and Internet Banking. It works by sending a unique code via text message to your registered mobile phone. Then, you simply enter the code to authorise and complete the transaction. This helps us make sure it’s you making the transaction, and not someone else. Speak to one of our team to get OnlineCode set up today.


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 Internet Banking to enable for additional transactions.

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

  • Making payments over $10,000 in Internet Banking
  • Sending money overseas
  • Registering for the 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 goMoney and/or Internet Banking.

To register, log into ANZ Internet Banking, select Your Settings > OnlineCode Registration. If not, you can call 0800 269 296 to get registered.

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 4 470 3142 from overseas, charges may apply).

Voice, fingerprint or face recognition identification

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


Voice ID

Allows you to log in to 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.

It can also give you extra security when making payments above $10,000 on the goMoney app, by verifying your identity using your unique voiceprint.

You can check if you’re registered for Voice ID under ‘Settings’ in the goMoney app. If not, you can call 0800 269 296 to get set up.


Fingerprint recognition

Control access to your mobile, device and goMoney app using Touch ID (Apple) or Fingerprint Login (Android).


Face recognition

Control access to your mobile, device and banking apps using Face ID (Apple) or Face Recognition (Android).

Visa card security

Visa 3D 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 one-time Visa Secure passcode to your mobile phone. You will need to enter the code online to continue with your transaction.


Blocking card payments to some cryptocurrency exchanges

ANZ blocks 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.

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's 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 FacebookX (formerly 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.

How ANZ protects your privacy

Our ANZ Privacy Statement explains how we can use your personal information to help identify and prevent fraud.

Print the Scams and Fraud Guide

This guide gives you practical tips on how to spot the red flags to help keep your money safe.

Print it off and keep it somewhere you can easily reference. This guide also comes with a top tips summary that you can stick on your fridge or by your computer. 



Our guide is available in the following languages:


Important information

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