We protect you

Safeguarding your financial and personal information is our top priority.

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Bank security with Bank of Melbourne Secure™

Protecting you from fraudsters
Our technology constantly learns from your banking behaviours, helping to keep you safe from suspicious activities to protect you, your finances and your family. 
Fraud and scam monitoring 24/7
We protect your Internet Banking using comprehensive, real-time authentication and fraud detection platforms. This allows us to get to know your digital identity and behaviour, and alert you if we detect unusual activity on your accounts.
Protecting you and your data
We work around the clock to detect and remove phishing websites and various security threats that target our customers. If you see something suspicious, report it to us. 
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Peace of mind protection

Bank of Melbourne Verify

When adding a new payee to a BSB and account number we’ll do a check to see if the account details you’ve entered have been commonly used.


Digital Card

It’s a digital version of your card, with the added security of a dynamic CVV that updates every 24 hours helping to reduce the risk of fraud. Use it to shop online and pay bills.


Secure Code

A unique One Time Password (OTP) to your mobile phone or nominated landline telephone to authenticate certain types of Internet and Mobile Banking transactions.

Qualifying for Bank of Melbourne's security guarantees

You can rest assured that your banking is safe and secure using either the Phone or Internet. Your Internet Banking and Credit Card transactions have unique security guarantees, helping to protect you from fraud. Fraud is when someone gains access to your accounts or details for the purpose of making unauthorised transactions.

 

Bank of Melbourne Secure

In the unlikely event that an unauthorised phone or internet transaction does occur (and it is clear that you have not contributed to the losses*), Bank of Melbourne will refund you the full amount.

  • Have not shared your logon details or secure codes
  • Have not voluntarily participated in the transaction
  • Immediately informed us of any unauthorised activity 
     

Fraud Money Back Guarantee

Any unauthorised card transactions will be reimbursed, provided that you have not contributed to the loss and contacted us promptly. Refer to your card's terms and conditions, including when you'll be liable. 

  • Unauthorised transaction made without your knowledge
  • Reported promptly within your billing cycle
  • Haven't voluntarily agreed to the transaction
     

Protect yourself

Find out simple hints and tips to protect yourself from fraud and scams.

How to Report

Know how to report suspicious behaviour, unusual activity, disputed transactions and security threats.

Types of scams and fraud

Scammers are very active in our community. The more we know about scams and share this knowledge with family and friends the better we’ll be at protecting each other and reducing their impact on the community.

Download our Bank of Melbourne App


Download from the Play Store


Download from the App Store

Report hoax emails

Forward suspicious emails to: 

hoax@bankofmelbourne.com.au

Need help?

Call us if you are in need of extra assistance.

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Visit a branch

Find your nearest branch or mobile lender. 

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The Detail

Bank of Melbourne Secure: If your Bank of Melbourne account is compromised due to Internet Banking fraud, we guarantee to repay any missing funds, provided you complied with our Internet Banking Terms and Conditions (PDF 375KB). This includes keeping your logon details (including passwords, Bank of Melbourne Secure codes) private, not participating in the unauthorised transaction, and immediately notifying us when you suspect an unauthorised transaction or potential fraud on your accounts.

Fraud Money Back Guarantee: Our Bank of Melbourne Fraud Money Back Guarantee ensures that you will be reimbursed for any unauthorised transactions provided that you have not contributed to the loss and contacted Bank of Melbourne promptly. Refer to your card’s conditions of use for full details, including when a customer will be liable.

This information is general in nature and has been prepared without taking your personal objectives, circumstances and needs into account. You should consider the appropriateness of the information to your own circumstances and, if necessary, seek appropriate professional advice.