Protect your banking

We’re committed to help keep your banking safe, and you have a role to play too. By working together, we can keep you even safer. Below you can find out what we do, and what you can do, to protect you and your banking.

What we do to help protect your banking

ANZ employs a range of security measures to assist in protecting your personal account information. These measures extend from data encryption to firewalls. Firewalls, together with encryption technology, help to provide some of the best security available to keep your personal and account information protected.

Two factor authentication

Two factor authentication is an added security feature comprising two additional steps in the log in process for ANZ Internet Banking:

• the first lets you know that you’re on the genuine ANZ Internet Banking site with the display of a ‘Site Key’, which includes an image and phrase that you will recognise
• the second confirms your identity using a number of security questions, which you will need to answer when logging in.

Encryption

Encryption is turning words and numbers into a coded language. Encryption prevents unauthorised users from being able to change or read your data. ANZ encrypts your personal data using 128-bit SSL (Secure Socket Layer) encryption technology. You can identify whether the ANZ Internet Banking session is secure or encrypted when you see <https://> in the address bar and/or when you see a locked padlock icon in the bottom right corner of the browser window. You can double click on the locked padlock icon to examine ANZ’s electronic signature.

Firewalls

ANZ uses a firewall to prevent unauthorised access to and from the network. A firewall acts as a barrier between your computer and the internet. This helps ensure that only authorised data enters and leaves your computer, much like a security guard in front of a building.

Automatic time-outs

Within ANZ Internet Banking and ANZ Pacific App your session can remain unattended for no longer than 15 minutes. After this time, the system automatically "logs off" and ends your session.

If you are not using your device for an extended time, make sure you "log out" completely from the session so that your banking information cannot be viewed by others.

Further information about the security of your account transactions and related enquiries are contained within the ANZ Electronic Banking Conditions.

What you can do to protect your banking

Keep passwords, PINs and security codes secret

Don’t write them down, never disclose them to anyone (even ANZ or police), and take care not to let anyone see them (e.g. by shielding your PIN at ATMs). Make PINs and passwords hard to guess, change them regularly and make them different from other PINs and passwords.

Only shop online at places you trust

Shop with reputable, trusted companies – beware of online sites you’ve never heard of. Never save credit card details or passwords at online shops or set your browser to remember or auto-complete password or other details. Only buy at sites that have SSL (secure sockets layer) encryption (the URL will start with <https://>, not <http://>, and you’ll see a locked padlock icon).

Keep your devices secure

Keep them locked when not using them, never leave them unattended when you’re logged into ANZ Internet Banking or ANZ Pacific App – always log off when you’re finished, and keep anti-virus software and operating systems updated. Never use public computers or wifi (e.g. at libraries or cafes) for your banking as they may not be secure. Ensure that there is a locked padlock icon in the bottom right corner of your browser window. Never click the ‘save my password/details’. Only install apps from the App Store or Google Play.

Watch out for scams

Delete emails from people or organisations you don’t know and never click on a link to ANZ Internet Banking in an email - always type anz.com/tonga into your web browser. Never enter your password into 3rd-party websites or web pages you’ve accessed by clicking on a link. Even emails that look legitimate can be scams, so stay up to date on the latest scams and scam emails.

Mobile banking

Be careful if other people have access to your device – don’t enable fingerprint, face or other biometric identification access to your device or in your ANZ Pacific App settings if someone else’s fingerprint, face or other biometric identification is stored on your device, and don’t enable mobile wallet cards on a shared device. If you sell or give your device to someone else, remember to uninstall the ANZ Pacific App first.

Monitor your banking

Check your accounts regularly by looking at your statements for any transactions you don’t recognise. Check your transactions against receipts to make sure you’ve actually made them and that they are for the correct amount.

When to call us immediately

Contact us immediately if you become aware of anything that is out of the ordinary – for example:

• you see a transaction you don’t recognise in your accounts
• your mobile device, sim card, or credit, debit or EFTPOS card is lost or stolen
• you know or suspect that someone else knows your PIN or password, or has accessed your accounts without your authority
• you receive a suspicious email or phone call or know or suspect you’ve been subject to fraud.