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Activate two layers of security

Use two-factor authentication for an extra layer of security to help keep your personal information safe.

What is Two-Factor Authentication?

Two-factor authentication (2FA) sounds complex but it’s not, it’s just a way of 'double-checking' that you’re really the person you’re claiming to be when you log into your online accounts, such as banking, email or social media.

2FA means using a combination of two of the following:

  • Something you know (e.g. a password),
  • Something you have (e.g. a phone for SMS, email for notification),
  • Something you are (e.g. your voice, thumb print, face scan).

How does it protect me?

Two-factor authentication can provide an additional layer of security when using ANZ digital services such as Internet Banking.

1st factor - Something you know

When accessing your account, your customer registration number (CRN) and passcode are the first-factor or first layer of authentication used to confirm your identity.

2nd factor – Something you have

The second-factor is an additional authentication layer. 

A one-time password sent to your mobile phone and/or email address, to provide an additional layer of security. This may be requested to verify a range of online banking activities such as updating your personal account details on Internet Banking, making Pay Anyone payments or creating a PayID.

 

Why is it important?

2FA provides you enhanced security as it makes it harder for someone else to access your online accounts. 

For example, even if a cybercriminal guessed or stole your password, they wouldn’t be able to perform an online transaction without your 2nd factor.

What are we doing?


One-time passcodes

SMS One-Time Passcodes can provide more protection for your ANZ online banking activities. We may send you an SMS OTP to verify a range of online banking activities, such as Pay Anyone payments and creating a PayID.


Security tools

We offer free tools like ANZ Voice ID and ANZ Shield for our personal and business banking customers to add an extra layer of security for transactions.


Security devices

We provide security devices to our internet banking for business customers.

What can you do? 

We're working every day to help keep you secure online, however it's also your responsibility to keep yourself secure. To help you, here are some suggestions of simple steps you can take to further improve your level of security.

  • Activate two layers of security by using the 2FA option whenever it is offered including Personal & Business banking – ANZ Voice ID and ANZ Shield
  • Do not share passwords, PINs, user IDs or One-Time Passcodes, or use your banking passwords/PINs for other purposes e.g. having the same password for internet banking and email
  • Set up your mobile device security with an automatic screen lock, PIN and/or biometric (fingerprint/face/voice) detection
  • Securely store devices, such as security tokens, when not in use to prevent someone else getting hold of them
First Home Super Saver Scheme

Stay Smart online

Want to know more about two factor authentication? Visit the Australian Government's Stay Smart Online site to learn more.

Contact us

Report a lost or stolen card


Call us anytime on  1800 033 844 

If you're overseas call  +61 3 8699 6955  

Learn more about our ANZ Fraud Money Back Guarantee

Received an ANZ hoax or suspicious message?

 

Send us an email

Report fraudulent or unusual activity

Personal Banking Customers:
13 33 50  +61 3 9683 8833

Business Customers using ANZ Transactive:
13 70 28  +61 3 8693 7153 

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This information seeks to raise awareness and provides general information only. It may be necessary or appropriate  to ensure that measures are taken in addition to, or in substitution for, the measures presented having regard to your particular personal or business circumstances.