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Get extra layers of security with ANZ Plus

Get extra layers of security with ANZ Plus


Your picture is worth a thousand passwords with Selfie ID

Unlike traditional passwords and PINs your selfie can’t be forgotten or stolen in phishing attacks, helping to keep you safe online. We use Selfie ID to verify it’s really you.

Increase your payment limit

If you need to make an extra large payment, you can set a temporary limit increase above $30,000 with a quick selfie to verify it’s really you.

Reset your PIN

Don’t worry if you’ve forgotten your Access PIN, Selfie ID lets you securely verify and reset your Access PIN yourself.

Onboard with a smile

Snap a selfie when opening your accounts and we’ll verify it matches your ID to confirm it’s really you, not someone else.

Last night's CVV? That's so 12 hours ago

Dynamic CVV adds an extra layer of protection with a new three-digit code every 12 hours. Find your dynamic CVV in the ANZ Plus app and use it when making online payments to help protect yourself from fraud.

Join ANZ Plus today

“Sign up was a breeze – I can’t believe I joined ANZ Plus in under 5 minutes!”

ANZ Plus customer

Minimum of iOS 15.0 or Android 7.0

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Introducing Scam Safe

We've created a suite of extra security features that aim to help protect you against fraud and scam attempts.

Location-Based Security

Screen Share Protect

Risky App Detection

Crypto Protect

Active Call Status

^Payments that ANZ reasonably believes are being paid to crypto exchanges based on information available to us at the time. 
*Active Call Status feature is always on for devices running iOS and Android less then version 12.0.
Devices running Android 12+ requires you to enable permissions for this feature via Scam Safe.

More ways to keep you safe

Block your card from the app

If you think your card is lost or stolen, you can cancel, replace or temporarily block it, all in the ANZ Plus app.

ANZ Fraud Money Back Guarantee

Be reimbursed for fraudulent debit card transactions if you tell us promptly and didn't contribute to the loss.

Your money is protected

Your money is protected by the Australian Government Financial Claims Scheme, up to $250k in total for each ANZ account holder.

See transactions in real-time

See money coming in and out of your account, with instant notifications helping you spot unusual activity.

Your security questions answered

What can I do to keep my accounts safe?

ANZ Plus is backed by ANZ’s powerful security, ANZ Falcon® anti-fraud monitoring technology, so we're always on the lookout for suspicious activity.

When it comes to preventing unauthorised activity using your card or device, there are a few things you can do to help protect your money. 

  1. Turn on push notifications
    So you can track transactions using your card and accounts.
  2. Adjust your daily payment limits
    To stay in control of the money going out of your accounts.
  3. Keep Scam Safe controls turned on
    Scam Safe is designed to help protect you against fraud and scam attempts.
  4. If you can't find your card, lock it!
    This will prevent any unauthorised transactions using your card and if it turns up, you can unlock it right away. If your card doesn't turn up, or if you know you've lost it, you can Cancel and Replace it in the Card tab of the app.
  5. Don't use PINs that can be easily guessed
    Avoid using things like a birthday or numbers that represent your name when setting your PINs.
  6. Never share your PINs with anyone
    We'll never ask you for your Access PIN or card PIN on the phone or via email or SMS. It's also best to remember your PIN by heart – we don't recommend writing it down.
  7. Check your accounts and review your transactions regularly
    If you notice any unknown merchants or unauthorised transactions, report them right away.
  8. If you're worried, send us a message
    The sooner you flag anything suspicious, the more likely we'll be able to help, so if you notice anything out of the ordinary, let us know right away.

How to spot a scam

If it looks too good to be true, it probably is. Scams are attempts by individuals or groups to purposefully mislead you and get your money.

Anyone, including you, can fall victim to a scam. That’s because scammers don’t discriminate and target people of any gender, age group or socio-economic background.

It's important to know what you're looking for if you become the target of a scam. 

Look for the red flags

  • Do you know the person contacting you?
  • Have you been asked to receive and send money on behalf of a third party?
  • Do you know the person you are sending money to?
  • Do you understand why you are sending money?
  • Have you been asked to send money for a transaction you haven’t made? 
  • Have you been asked to grant remote access to your device?
  • Have you been asked to pay via an unusual payment method, such as Bitcoin or gift cards?

A scam may also involve someone calling you and requesting your account information or personal details. Be very careful about sharing your Access PIN, card PIN or account details on the phone or via email or SMS. ANZ Plus will never ask you to disclose this information via email, SMS or on the phone.

Scammers often target people using information obtained via social media. Please be mindful of what you share online.

If you feel you've been the victim of a scam, or have shared any personal information with a scammer, please send us a message right away.

To learn more about the signs of a scam or ways to protect yourself from fraud, please visit:

  • Scamwatch, a website run by the Australian Competition & Consumer Commission (ACCC), providing information to consumers and small businesses about recognising, avoiding and reporting scams.
  • ID Care connects the community to their experienced Identity & Cyber Security Counsellors who offer advice on responding to data breaches, scams, identity theft and cyber security concerns.
  • Australian Cyber Security Centre offers advice and information on protecting yourself and your business online.

What types of scams are there?

Some scams are easy to spot, while others, not so much. You may not even notice the signs until it’s too late.

A good way to protect yourself is by being aware of the most common scams.

Remote access scams

These are generally calls to inform you that you have a computer or internet problem, and they need remote access to your device to fix the issue. The caller may try to convince you by claiming to be from a well-known company and quote a fake issue number or employee ID. Don’t fall for it, these companies will never call you unprompted to request remote access to your device. The easiest way to protect yourself is to hang up and never give an unsolicited caller remote access to your device.

Job scams

These can take many forms. Scammers may contact you to offer a high-paying job that requires little to no effort and ask you to make an upfront payment to secure it. Another type of job scam involves tricking you into receiving money in your account and passing it on to another account. A percentage of this amount will be offered to you as a commission. This is likely to be a form of money laundering making you a part of the criminal activity.

Romance scams

Scammers take advantage of people looking for romantic partners. They target people on online dating platforms and social media. Once they’ve gained your trust, they may ask for money, your personal details, banking information or even try to get you to do something illegal unwittingly. There are some initial warning signs to look for, such as they don’t tell you much about themselves, they ask you to keep the relationship a secret and they refuse to meet face-to-face or in-person.

Business email compromise scam

This is when a supplier, vendor or a business you know, suddenly notifies you their payment details have changed and asks you to make a payment to the new or updated account. Before making any payment to the new account, please confirm by contacting them via verified and previously used channels.

Investment scams

If you receive an unsolicited call, email or SMS about an investment opportunity that promises big payouts, quick money or guaranteed returns, it is most likely a scam. They may try to lure you in by dropping names and wild projections. Don’t make any investments without consulting your financial advisor, if you’ve got one. If the person contacting you claims to be one, first confirm they’re who they claim to be and then check if they’re registered via ASIC’s Financial Advisers Register.

You can also stay informed about current scams with ANZ’s latest security alerts here.

How do I contact ANZ Plus support?

If you're in a bind and you can't find the answer in our FAQs, you can send a Coach a message in-app.

To message a Coach:

  1. Go to the Support tab.
  2. Tap on Contact Us and follow the prompts.

Before you send a message, you'll be guided through some top tips to see if you can quickly self-service your query.

If not, leave your message, sit back and wait for a Coach to reply – no need to keep the app open.

Our Coaches will respond between 9am and 5pm AEST/AEDT on bank business days, but you can leave them a message anytime.

Coaches will get back to you as soon as they can, but it may not always be on the same day. If you’ve got them turned on, you’ll get a notification when a Coach replies.

Tip: For general support, please don't go to an ANZ branch or call the ANZ contact centre as they won’t be able to help you out.

How do I dispute or report a transaction?

If you notice an unfamiliar or suspicious transaction, you can tap on the transaction to view more details.

To dispute a transaction in the app:

  1. Tap on the transaction.
  2. Tap on Something not right? and follow the prompts.

Once your dispute has been submitted it'll be assigned to our team for investigation.

If you'd like to report a transaction, and can't find a self-service option, send us a message right away.

If you're looking to dispute a transaction made using your joint accounts or card follow the same process above, but remember to check with your plus one before lodging the dispute.

I have other accounts with ANZ, where can I find more information and support?

Visit the ANZ security hub for extra resources about how to protect yourself,  see the latest security alerts, and learn more about how ANZ protects you.

Falcon® is a registered trademark of Fair Isaac Corporation.

ANZ Plus star rating refers to the ANZ Plus app rating in the Apple App Store. Please refer to the Apple App Store for current rating.

Any advice is general and might not be right for you. The Financial Services Guide, Target Market Determination and ANZ Plus and ANZ Save Accounts T&Cs are available at You should read them before deciding to apply for or keep these products. Australia and New Zealand Banking Group Limited ABN 11 005 357 522 AFSL 234527

The ANZ Privacy Policy is available at