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Credit or debit card fraud is when someone obtains your card details illegally and uses them to make purchases in your name.

Card fraud is a serious criminal offence and scammers use a number of different methods to steal your details, including phone and email, ATM skimming, or stealing your mail.

The good news is there are many simple things you can do to help you keep your details secure and protect your hard-earned cash.

Read on to find out how you can prevent card fraud.

Suspect someone has your card details?

Contact us immediately on 133 282 so we can secure your accounts and assist you further.

Five simple steps to help protect yourself from card fraud

1. Sign the back of your card

When you receive your new ATM or credit card, sign it immediately. If the card is a replacement, cut up your old card straight after you have activated your new one.

2. Keep your PIN a secret

Never tell another person your PIN or make it too easy to guess like your date of birth. Unfortunately, there have been many cases where the person committing card fraud knows their victim, or is a friend or family member.

Always memorise your PIN and if you received a letter with your PIN on it, don’t forget to shred this too. It may be tempting to write your PIN down or disguise it in a phone number but it's much easier to reset your PIN than risk someone stealing it.

You can reset your PIN online at any time of the day or night. You can also reset your PIN by calling us on 133 282 or by visiting your local branch.

You can increase your digital security by setting up some simple security questions in online banking.

3. Be ATM savvy

Before you use the ATM, check that no-one is looking over your shoulder or standing close behind you. If they are, simply ask them to move back or walk away from the ATM until after they have used it.

Always shield your PIN with your hand. If the ATM has been targeted for ATM Skimming it may have been fitted with a camera to fraudulently capture your PIN.

Make sure your ATM transaction has been completed before walking away. Sometimes after taking your cash, ATMs ask if you would like to complete another transaction.

If you believe an ATM has been tampered with, do not use it. There will be a phone number located on the machine for you to ring to report your suspicions to the ATM owner.

4. Keep an eye on your card

Always keep your card in sight during a transaction. For example, take your card to the cashier at a restaurant instead of putting it with the bill to be taken out of view.

Card receipts should never be discarded in a public area such as a street garbage bin. Shred your EFTPOS receipts before throwing them in your own bin to protect any card information.

Helpful tip: If you’re going overseas, please let us know before you travel. This is so we know the countries where you will be using your card and can monitor for any suspicious transactions.

5. Look for the padlock when shopping online

When using your card to shop online, stick to well-known and reputable companies.

Make sure a padlock symbol appears in the right-hand bottom corner of the website and the address commences with ‘https://’ when making a purchase. This indicates the website is secure.

6. Familiarise yourself with common scams

Knowledge is power when it comes to protecting your bank accounts and personal information. Spotting the signs of fraud or a scam is easy once you know what to look for. Plus, there are simple steps you can take now to protect yourself and help prevent fraud before it happens.

Suspect card fraud?

If you think someone has obtained your card details or you have accidently given someone your details, please call us immediately on 133 282 so we can assist you further.

More tips on security and protecting yourself from fraud.