Security

The Commonwealth Bank has advanced security and fraud detection systems in place, monitoring your account 24/7.  This state of the art technology detects any abnormal transactions or spend patterns.  If a transaction is thought to be suspicious, we will contact you to confirm the transaction was yours.

Our guarantee

When you shop on the internet using your Commonwealth Bank credit card, the Commonwealth Bank provides a guarantee that you will not be liable for unauthorised transactions provided you comply with the Credit Cards Conditions of Use. This, plus the added protection of Secure Internet Shopping, means you're doubly protected.

Secure Internet Shopping (SIS)

Secure Internet Shopping (SIS) provides a more secure way to shop online by offering added protection against the fraudulent use of your card. Once you sign up, you can use your Commonwealth Bank Credit Card online at participating merchants with added confidence. All you have to do is enter your Visa Password or MasterCard SecureCode when buying online.

Before registering you will need to read the Secure Internet Shopping Conditions of Use.

Protecting your card

• sign your card as soon as you receive it
• don't let anyone else use your card
• protect your PIN
• don't write your PIN on your card or keep it in your wallet
• don't choose a PIN that is easily identifiable (i.e. date of birth)
• destroy expired or unwanted cards by cutting diagonally
• when paying with a card, watch the staff for any strange or unusual behaviour
• keep your card in sight when using your card in areas/countries known for fraudulent activity

 

Enhanced security chip protection

We've added a new safety feature to all new credit cards. It's called 'secure chip' technology and it's designed to make your credit card transactions more secure and will help minimise the risk of credit card fraud. The chip card provides greater security because it is more difficult to fraudulently copy the details of your card.

General advice for secure internet shopping

Do you trust the website?

Only deal with merchants you trust, such as those with a reputable trading name or brand, or merchants you've previously purchased from by phone or in store.

Call ahead to check that the merchant exists

Call the merchant to verify their authenticity and check delivery and return policies.

Is the site secure?

Look for a padlock icon at the bottom of your web browser. This indicates that the merchant's site offers an encrypted line of communication to protect your details. And when you're completing your online transaction, be sure to see if the merchant is displaying one of the following logos:

 

Keep your receipts

Keep a record of your transactions in case you need to return or exchange an item. This record should include the merchant's internet address and order information.

Unauthorised use of your card

If you find there has been unauthorised use of your card, notify us immediately on 13 2221, 24 hours a day, 7 days a week.

Always inform us if you change your details

To help us to contact you in the event of suspicious activity on your credit card, ensure your details are kept up-to-date.  You can update your details in NetBank, at a branch, or by calling 13 2221.