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ANZ Falcon®

ANZ Falcon® is our trusted fraud detection and prevention technology.

By analysing thousands of data points, ANZ Falcon® builds a unique picture of each and every ANZ customer, learning from each of your transactions to offer fraud protection that’s personal to you.

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What is ANZ Falcon®?

How am I protected against fraud?

How does ANZ Falcon® work?

Common questions

More ways we protect you

Contact us

What is ANZ Falcon®?

Our anti-fraud technology, ANZ Falcon®, prevented $112M from going to cybercriminals in 2023.

The technology works around the clock to recognise, flag and identify suspicious transactions. 

Rest assured this is no cookie cutter approach to fraud prevention. ANZ Falcon® technology is personal to each and every one of our customers.

By analysing thousands of data points from your online banking behaviour and millions of transactions in real time, ANZ Falcon® can identify patterns that indicate suspicious activity. 

And if you’re travelling overseas, let us know. ANZ Falcon® continues monitoring your transactions 24/7, leaving you free as a bird to enjoy your holiday.

How am I protected
against fraud?

Real-time monitoring

Operating 24/7 in real time, ANZ Falcon® immediately detects and responds to potentially suspicious activity across ANZ cards, our banking apps and Internet Banking.

Behavioural analysis

ANZ Falcon® analyses vast amounts of individual customer behaviour and transactional data - including changes of address, unusual transactions and log in locations.

Multi-layered fraud prevention

With transaction monitoring, rules-based filters, pattern recognition and anomaly detection, ANZ Falcon® uses a multi-layered approach to flag potentially suspicious activity on your account.   

Continuously evolving detection

Using machine learning and adaptive analytics, ANZ Falcon® continually evolves to understand new fraud patterns and improve the accuracy of identifying suspicious activity. 

How does ANZ Falcon® work?

Learn how ANZ Falcon® works and what you need to do if activity on your ANZ card, banking app or Internet Banking session is flagged as suspicious.  

ANZ debit or credit cards

01. ANZ Falcon® identifies an unusual transaction on your debit or credit card.

02. We may decide to decline this transaction and/or block your card.

03. We'll usually send you a two-way SMS in real time to verify whether the transaction’s genuine. Please reply to this SMS (we won't ask you for personal information or to click on any links).*    

04. If you genuinely made the transaction, your card will be unblocked within 15 minutes. If you didn't authorise the transaction, our Customer Protection Team will call you to discuss next steps.    

*If you have an ANZ Plus account, we'll either call or send you an SMS to contact us, so you can verify whether the transaction's genuine. 

ANZ apps or online banking

01. ANZ Falcon® spots unusual banking activity in the ANZ App, ANZ Plus app or Internet Banking.

02. We may delay suspicious payments and remove log in access to the digital channel it was flagged in.

03. Our Customer Protection Team will contact you to verify your banking activity (if you need access to your app or online banking account urgently, you can also contact us).

04. If the activity's genuine, we'll reinstate your log in access immediately and release authorised payments. If it's unauthorised activity, our Customer Protection Team will talk you through next steps.

Common questions

Please contact us straightaway - our Customer Protection Team is available 24/7 to help. You can also put a temporary block on any ANZ card that's related to the unusual activity.

See instructions for ANZ Plus accounts

If ANZ Falcon® identifies any unusual transaction on your debit or credit card, we may decline the transaction and/or block your card.

Please contact us straightaway if your card is blocked. Our Customer Protection Team is available 24/7 to help you.

See instructions for ANZ Plus accounts

Please contact us straightaway. Our Customer Protection Team is available 24/7 to help you.  

See instructions for ANZ Plus accounts

If you’re unable to log in to the ANZ Plus app, please follow the instructions you see on-screen when you open the app. 

For other issues, please follow the instructions in the links below: 

Dispute a transaction in the ANZ Plus app

Report a lost phone or ANZ Plus Visa debit card

If you’re travelling overseas, please let us know before you travel. This helps us anticipate an increase in overseas purchases and avoid any unnecessary blocks on your card during this period. If your plans change, you can update your travel details online too.

To notify ANZ of your international travel plans:

  1. Log in to ANZ Internet Banking
  2. Select Contact in the header
  3. Choose Let us know before you travel
  4. Follow the prompts

We will process your travel information within two working days. Alternatively, you can contact us to let us know of your travel plans.

ANZ Plus customers don’t need to inform us about travel plans. We’ll run our own checks to help us determine whether or not it’s you. 

Please contact us straightaway. Our Customer Protection Team is available 24/7 to help you. 

The most cost-effective way to call us from overseas is to use a landline and speak to the operator to arrange a reverse-charge call to +61 3 9683 9999. You can also call us from a mobile phone but costs from your phone carrier will vary.

See instructions for ANZ Plus accounts  

The ANZ Fraud Money Back Guarantee is assurance that you'll be reimbursed for fraudulent transactions on your ANZ debit or credit card, provided you comply with the product T&Cs, notify us promptly and didn't contribute to the loss.

Our Customer Protection Team is available 24/7 to help you. If you notice any unusual activity on your card, please contact us straightaway. 

More ways we protect you and your money

ANZ Plus security

Join ANZ Plus, our latest digital way to bank, and get extra layers of security like Selfie ID and a dynamic CVV, to help protect you from fraud.  Learn more 

Bank account security

Log in to the ANZ App safely using biometric security or your PIN. You can also verify banking activity via SMS one-time passcodes or emails. Learn more 

Credit card security

You’re protected anywhere, anytime with ANZ Falcon® fraud protection technology. You can also cancel, replace or temporarily block your card if you need. Learn more 

Falcon® is a registered trademark of Fair Isaac Corporation.