Credit card security

ANZ Falcon™ 24/7 anti-fraud protection

We have round-the-clock credit card security provided by ANZ Falcon™ to help protect your credit card. If we identify any transactions as possibly suspect or unusual, we’ll try to get in touch with you to make sure it’s actually one of your transactions.

If we can’t get hold of you, we might make a decision to block the account until you can confirm the transaction. This means your credit or debit card could be declined by a merchant overseas when you know that there are funds available because ANZ Falcon has detected overseas transactions which are not consistent with the normal pattern on your account. That’s why it’s important to let us know that you are travelling overseas before you depart by calling 13 13 14 , and to make sure we have your latest contact details.

ANZ Fraud Money Back Guarantee

If you suffer a loss as a result of a fraudulent transaction on your ANZ credit card, we’ll credit your account with the amount of the loss, as long as you:

• didn’t contribute to the loss
• notified us promptly of the fraud.

If you notice any unusual transactions on your account, please contact us immediately by calling 13 22 73. 

Security microchips

Our credit cards have embedded security microchips that make it more difficult for credit card details to be fraudulently copied. When a chip card is used at the point of sale, the transaction message sent by the chip card to authorise the transaction does not contain any data that can be used to counterfeit a chip or conduct an unauthorised chip transaction reusing the data from a previous transaction.

Visa Secure (formerly known as Verified by Visa)

If you’re shopping online, these free services give you extra protection against unauthorised use of your card at participating online merchants. Then you just have to follow the instructions!

If you have an ANZ Visa Credit Card, Visa Secure (formerly known as Verified by Visa) provides an extra level of protection for online purchases at participating retailers. Visa Secure (formerly known as Verified by Visa) is a free service that automatically sends a One Time Password via SMS to your mobile number in order to authenticate the purchaser and protect your card against unauthorised usage.

Your Visa card will be pre-enrolled into Visa Secure (formerly known as Verified by Visa) so there will be no additional effort for you.  However, if your mobile number is incorrect, please contact ANZ by calling 13 33 50 to update.

Online security

It’s just as important for you to protect yourself against the possibility of internet fraud. We’ve provided some tips that may help you stay ahead of the thieves. It’s also important to be aware of the latest tricks scammers are using, so keep an eye on our security alerts.