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Security, scams & fraud
We take security very seriously at Border Bank, and take every necessary step to protect our members from fraud, scams and cyber crime.
Protecting your accounts
Just like the big banks, we adhere to the high cyber security standards to protect you and your family from theft, fraud and scams.
There are several steps you can also take that will reduce the likelihood of your money or personal details being stolen.
You can stay safer by:
- Installing and regularly updating security software on all your devices.
- Carefully reviewing links and attachments before opening them.
- Verifying the identity of the people you’re transacting with online.
- Being cautious about sharing personal or financial details.
- Reporting any suspicious account activity early.
Scams vs fraud: know the difference
While the terms ‘fraud’ and ‘scam’ are sometimes used interchangeably, there is a distinction between the two.
What is fraud?
Fraud is a general term applied to any situation where someone uses deception to get access to places they shouldn’t be allowed. This can include using stolen credit cards or lying about their identity.
What is a scam?
Scams are a specific type of fraud where someone tries to trick their target into voluntarily handing over their money or personal details. An example might be receiving a pre-recorded voice message on your phone from someone claiming to be from the tax office.
Safer, more secure passwords
Your password is the first line of defence against scams and fraud. The stronger it is, the better protected your accounts and personal information will be.
To help keep you safe, we recommend using a password that includes both uppercase and lowercase letters, numbers and special characters.
Stronger passwords make it harder for scammers to access your information and are a simple but effective way to stay protected online. Head over to ‘Settings’ in your Mobile Banking App or Internet Banking to strengthen your password today.
Border Bank will never ask for your password or security codes by email, phone or SMS. If something doesn’t feel right, stop and contact us directly.
Some tips to create a safe password
- Avoid anything that’s easily guessed such as your address or birthday.
- Don’t share your passwords with anyone.
- Don’t write your passwords down anywhere.
- Make your passwords unique – reusing a password makes it less secure.
Spotted suspicious transactions?
If you notice suspicious transactions on one of your Border Bank accounts, contact us immediately.
How we protect your accounts
Digital banking security
Our website and Internet Banking platform use SSL encryption to protect your personal information. You’re also safeguarded by advanced firewall technology and our online security token system, adding an extra layer of protection for both Internet Banking and our Mobile Banking App.
For certain online services, such as Pay Anyone payments or resetting your password, we may send you a one-time password (OTP) via SMS.
An OTP is a unique passcode valid for a single online banking activity. It’s sent to the mobile number we have on record and must be entered to complete your action. Please keep this code confidential and never share it with anyone.
In-app security
Set up your login details with confidence, knowing our security systems keep your data safe.
Log in easily using a password, PIN or your device’s biometric features.
If your card is ever lost or stolen, you can change your card PIN instantly or temporarily lock your card using the App, giving you extra peace of mind whenever you need it.
Fraud Monitoring
As an extra layer of protection, we’re always watching out for your safety by monitoring transactions and spotting anything unusual.
To keep your account secure, we may send you an SMS One Time Password (OTP) when you log in. If something doesn’t feel right, please us on 132 267 right away.
Stay up to date on the latest threats and techniques to help protect yourself and your family from fraud.
Confirmation of Payee
Verify the identity of an account holder before making a payment into that account with Confirmation of Payee.
When you enter someone’s BSB, account number, and account name — either for a new payee or when updating details — Confirmation of Payee will automatically check if the name matches.
PayTo®
PayTo is a new, secure way to pay straight from your bank account in real time.
It gives you more control and visibility over your payments — whether it’s subscriptions, purchases or bills — all managed securely through your Internet Banking.
Member Identity Security & Due Diligence
Member due diligence is the process where we verify your identity details such as your name, date of birth and residential address to ensure they’re accurate. Please keep us up to date if anything changes.
By having the right information about you, we can protect you and reduce the risk of fraud and financial crime.
Need more help?
Chat us
You can reach out via Chat 8am-6pm AEDT Monday to Friday.
Contact us
Contact us via our form and we can get back to you.
Call us
Speak to a Member Experience Specialist on 132 267, 8am-6pm AEDT Monday to Friday.
Extra Support
Those needing additional support can click here for more information on how we can help.
Important Information
PayTo® is a registered trademark of NPP Australia Limited ABN 68 601 428 737.