ANZ employs various security measures to help ensure that your transactions and personal information are protected. However, you as a customer can also play a big part in protecting your banking and personal information.

We have developed a number of tips and hints to help you bank online safely.

How to help protect your PINs and passwords

  • Tell us immediately if you suspect that your PIN or password has become known to anyone.

  • Change your PINs and passwords regularly and immediately when ANZ asks you to.
  • Change your PINs and passwords after any spyware or viruses have been removed from the computer you use.

  • Keep your PINs and passwords memorised and not written down (even if disguised).

  • Keep your PINs and passwords for our electronic banking services different from your other PINs and passwords and don’t use the same PIN or password for more than one electronic banking service.

  • Don’t tell anyone your PIN or password. This includes family members or anyone who appears to be in a position of authority, including our staff or the police.

  • Don’t let anyone see your PIN or password – for example, when you enter your PIN or password into a computer, mobile phone, EFTPOS or an ATM.

  • Keep your PINs and passwords hard to guess – don’t choose a PIN or password based on information about you that’s easy to find, like your birth date or telephone number and don’t choose a PIN or password that’s easy to work out, like 1111 or 3456.

  • Never enter your PIN or password on a third party website or a webpage accessed by a link from an email or text message, even if the email appears to be from ANZ. Instead enter into your browser's address bar.
  • Don’t set your browser to save or autocomplete your password or login details.

Password theft

If you suspect that your password has become known to a third party, contact the ANZ Internet Banking team on 0800 269 296 (international +64 4 470 3142) 24 hours a day, seven days a week to have your password reset.

Using ANZ Internet Banking in public places

Be wary of your surroundings and ensure no one is observing you when entering in your Customer Number or password.

  • Never use public computers to do your banking, like those in internet cafes, or unsecured public wi-fi hotspots that don't require a password.
  • Ensure that there is a security symbol in your browser.
  • Never click the "save my password / details" option sometimes offered.
  • Never change security details such as your password in a public place (e.g. libraries, Internet cafes).
  • Do not leave your computer unattended or idle for long periods of time.
  • Always log out from your Internet banking session when you have finished and close the browser.
  • Only use computers that have anti-virus software installed for our electronic banking services.

Computer viruses

A computer virus is a program that attaches itself to another program, but changes the action of that program so that the virus is able to spread. Viruses range from harmless pranks that merely show an annoying message, to programs capable of destroying or disabling a computer.

Anti-virus software is designed to better protect you and your computer against known viruses, worms and trojan horses. A trojan horse is a malicious program disguised as something harmless, such as a game or a screen saver, but in fact contains hidden code that allows an intruder to take control of your machine without your knowledge.

How to protect against viruses

  • Ensure you have protection on your computer in the first place. Use up-to-date anti-virus software for any device you use for our electronic banking services.
  • Check for new Internet security protection software updates daily and regularly update your operating system.
  • Scan all the files on your computer periodically including incoming and outgoing emails.

Find out more about protecting against viruses and security software.


A firewall is a piece of software or hardware that filters all Internet traffic between your computer and the outside world.

It works to either block or permit Internet traffic to and from your computer. You can use the firewall to better protect your home or business computer and any personal information it holds from offensive websites, spam and unauthenticated logins from potential hackers.


A firewall is seen to be essential for those that use their computers online, especially through the use of a cable modem.

Up-to-date security software

Security is essential in protecting your information on the Internet. To do this, check your software vendors' web sites on a regular basis for new security upgrades or use the automated patching features that some companies offer.

The programs and operating system on your computer may have valuable features that make your life easier, but can also leave you vulnerable to hackers and viruses. You should evaluate your computer security on a regular basis by regularly updating your operating system and using up-to-date anti-virus software for any device you use for our electronic banking services.

Find out more about protecting against viruses and security software.

Email viruses

Email is one of the prime movers for malicious viruses. Regardless of how enticing the "subject" or attachment may look, be cautious.

Any unexpected email, especially those with attachments (from someone you may or may not know), could contain a virus and may have been sent without that person's knowledge from an infected computer. Should you receive an email of this kind and you are doubtful of its legitimacy, delete it.

Never click on links in emails even if they seem legitimate, instead enter directly into your browser’s address bar.

Security knowledge for all users of your computer

It's important that everyone who uses your computer, such as family members or employees, is aware of proper security practices. People should know how to update virus protection software, how to download security upgrades from software vendors and how to create a proper password.

Here are some ways to verify that you are using the real ANZ website or Internet Banking:

  • Always log on to Internet Banking by entering the website address into the address bar of the browser.

  • Look for security features that verify the site has been authenticated with a security certificate in the following ways:
    • part of the URL or the address bar may be green (or any other colour depending on your browser)
    • there will be a padlock security symbol in your browser and/or
    • the website address begins with https://
  • Never access the ANZ website from a link in an email or text message.

You can verify the authenticity of the "padlock" by viewing the website's certificate to make sure it:

  • is issued to
  • is issued by Symantec
  • has a valid start and expiry date.

Authentic certificate example:

SSL Certificate

If you receive a warning message (for example name mismatch, invalid date, untrusted certifying authority or failed to retrieve revocation list), please terminate the Internet session immediately and contact the ANZ Internet Banking team on 0800 269 296 (international +64 4 470 3142).

Do not leave your computer unattended when online

When leaving your computer unattended, you should either shut it down or physically disconnect from the Internet connection, and make sure you always log-off from our electronic banking services. This lessens the chance that someone will be able to access your computer.

Be aware of your environment

Care should always be taken in unknown areas to prevent any other persons viewing your personal information, including when typing in your passwords or details of account numbers on the Internet. Take care to ensure that no-one can see you entering your user access and password.

Be cautious when accessing public computers or any computers you do not control.

If you receive a hoax email there a number of actions you should take:


Delete the email

If you receive a hoax email:

  • delete the email immediately
  • do not click on any links
  • do not open any attachments.


Never provide personal details or sensitive information such as your PIN, password, customer registration information or other log on details.

ANZ does not send out emails requesting personal or account information.


Report the incident

All hoax email incidents should be reported to the ANZ Internet Banking team on 0800 269 296 (international +64 4 470 3142) 24 hours a day, seven days a week.


Scan your computer for viruses

Many hoax emails contain viruses or trojan horses (key logger), which are downloaded to your computer when you open any attachments or select any included links.

If you have clicked on any items within the email, run a complete virus check of your computer. ANZ recommends that you perform virus scans on your computer regularly.


Reset your Internet Banking password

After scanning your computer and ensuring it is free of viruses or trojans, reset your Internet Banking password by calling the ANZ Internet Banking team on 0800 269 296 (international +64 4 470 3142) 24 hours a day, seven days a week.

Anti-virus protection

Computers without anti-virus protection or out-of-date anti-virus programs are vulnerable to future attacks by malicious software like viruses or trojans. Anti-virus programs are a simple and inexpensive way to protect your personal details from these threats.

A number of different vendors such as Symantec and McAfee can provide complete suites of Internet security software.

ANZ recommends that you do not use our electronic banking services until you have up-to-date anti-virus protection.

Hoax / phishing emails from another financial institution

Hoax emails can imitate any organisation or financial institution. You may receive emails imitating organisations that you have no affiliation with.

If you receive a hoax email claiming to be from another organisation or financial institution:

  • delete the email immediately
  • scan your computer for viruses
  • do not click on any links or open any attachments.

In the unlikely event that you are a genuine victim of fraud, ANZ guarantees that you will be reimbursed for any unauthorised transactions when using ANZ goMoney, Internet Banking and Phone Banking, where you have complied with the security requirements in our ANZ goMoney, Internet Banking and Phone Banking Guarantee and the Electronic Banking Conditions.

And, if you have goMoney Wallet, the following documents are applicable: