ANZ Fraud Check – text or email checks

The message will include details about the transaction or account activity triggering ANZ Fraud Check.

• Amount
• Merchant name
• The last four digits of the card used

To prevent further unusual transactions, your card may be blocked until we receive your reply. Responding to the text is the fastest way to confirm if the transaction was authorised or not.

If we don’t have your mobile number or email address, or they have changed, call us on 0800 269 296.

You won’t be asked to click on a link in the text or email. 

Just reply Yes to confirm if the purchase was authorised, or No if the purchase wasn’t authorised.

You won’t be charged to respond to a text from ANZ Fraud Check if you’re in New Zealand. If you’re overseas charges may apply depending on your network and subscription.

If you reply Yes, we’ll reply thanking you for the confirmation. If a block had been put on the card, it will be removed and you can continue to use your card. You may need to resubmit your transaction to be processed.

If you reply No (the transaction wasn’t made by you), we’ll send you a message telling you that we have cancelled your card and what to do next.

A replacement card may be ordered, which will either be sent to the address we have for you, or you can pick one up in branch.

This will depend on the nature of the fraud but we’ll work as quickly as possible to resolve the issue.

If we don’t hear back from you via text or email, we’ll send a follow up message or try to contact you via phone. If we have blocked your card, the block will remain in place until we’re able to contact you. 

Remember, the ANZ fraud team asks customers from time to time to confirm they authorised suspicious transactions. But we’ll never ask for your banking passwords, PINs, two-factor authentication codes, credit card details, or remote access to your device.

If you call us to check the text came from ANZ, we’ll be able to confirm that it did, but will ask you to still reply Yes or No to the message. 

If the mobile number we have for you is a New Zealand (+64) or Australian (+61) number, and your phone is on and roaming, you’ll be able to receive and reply to ANZ Fraud Check texts. 

If you’re overseas and you reply, there may be a charge depending on your network and subscription. 

If the mobile number we have for you is from a country other than New Zealand or Australia, we will send you an email instead. If we don’t have an email address for you, we’ll try to call you.

If you choose not to reply, we will follow up with an email to you to confirm if the transaction was yours or not. Your card will remain blocked until we’re able to contact you. 

You’re welcome to call us to resolve this. If you do, please let us know that you’re currently overseas and we’ll arrange for someone from our Fraud team to call you back. Remember, the ANZ Fraud team asks customers from time to time to confirm they authorised suspicious transactions. But we’ll never ask for your banking passwords, PINs, two-factor authentication codes, credit card details, or remote access to your device. 

Remember: Before you travel overseas it’s helpful if you make sure your phone number and email address we have recorded for you is up to date.