Online banking and payments
Just like you protect your PIN for your EFTPOS card, you need to protect your passwords for online banking and financial transactions.
When banking on the internet follow these steps:
- Always access your bank's website by typing the address directly into your browser.
- Keep your computer up-to-date with anti-virus and firewall software and set them to update automatically.
- Set strong passwords and update them regularly.
- Do not store your password or PIN on your computer.
- Look for 'https://' at the beginning of the address bar and a locked padlock in the browser that indicate the web pages are secure.
- Always log out of the internet banking menu when you finish your banking and close the browser.
- Beware of any windows that 'pop up' during an internet banking session and be suspicious if they direct you to another website which requests your customer identification or password.
Using mobile devices
There are a number of risks when using your mobile device for online banking, which can put your identity and finances at risk. Refer to Mobile Devices for more information.
Using public computers
Computers at internet cafés, libraries, airports and hotels are convenient, but because so many people use them, they are more likely to be infected with malicious software than other computers.
Assume they are already compromised with malware that can track anything you do online, including capturing passwords you type in or any content you view online.
Steps to protect yourself when using public computers
- If using public wi-fi don't log onto secure sites or make online purchases as your details may be intercepted.
- Don't allow the browser to save your username and password. Always make sure that you turn off the option when logging into your email account and other websites. Always log out when leaving a website.
- Make sure no-one is watching you, or 'shoulder-surfing'.
- Log out if you leave the computer, even if it is just for a moment.
- Delete your browsing history before you log out of the computer. Go to the tools menu of the browser and select options or internet options.
- Make sure that the browser has any auto complete function turned off, delete any cookies, and clear the history.
- Do not type in sensitive information—keystroke loggers can capture your password, credit card number and bank details as you enter them. Avoid financial transactions on public computers that could reveal sensitive information.
- Avoid using your USB memory stick. It could pick up malicious software from the public computer and spread it to other computers, including your computer at home. If you need to use your memory stick, scan it with your anti-virus program before you use it again.
Where to get help
|Fraudulent use of your identity||
|Report a scam|
|Information on recent threats||Sign up to the free Stay Smart Online Alert Service|
A full list of useful contacts can be found on the Contact us page.
Find out more:
- Smart behaviours to protect your personal and financial information Stay Smart Online video
- Protect Your Financial Identity website, information to assist consumers to protect their financial identities.
- Protecting Yourself Online—What Everyone Needs to Know (PDF 2.7 MB)
- Protecting Yourself Online—What Everyone Needs to Know (RTF 1.1 MB)
- Protecting Your Identity' booklet—What Everyone Needs to Know (PDF 985.2 KB)
- Protecting Your Identity' booklet—What Everyone Needs to Know (RTF 263.5 KB)
- AusIndustry, support and resources for small businesses in the digital economy.