Online security

At ANZ, we work hard to protect our customers and the community from fraud, scams and other risks.

That’s why we have teamed up with security experts to implement security measures, such as behavioural biometrics, across some of our digital platforms including ANZ Internet Banking, certain ANZ online application forms and the ANZ App.

As behavioural characteristics are unique to an individual, looking at behaviour can be an effective way to identify certain risks.

We have therefore asked for your consent to collect information about your usual patterns of behaviour such as how fast you type, how you browse, scroll, and swipe. This helps us identify when behaviour on your account is inconsistent with your usual patterns or that of a human user.

We also collect and use other information, such as information about the device or browser being used to access your account, the location at the time of the access, and the transactions being made, to help pick up on unusual activity.

This can help us to identify when someone other than you is trying to access and use your account (eg: where you may have been the victim of fraud or where your credentials may have been compromised).

It also helps us detect other unlawful activity, misconduct or security risks (eg: where you may be the victim of a scam or where the device accessing your account may have been compromised by malware or a remote access tool).  

Once detected, ANZ can investigate and may take action to help protect you and your account. For instance, we may stop a transaction or suspend online access to your account, engage with the Fraud Reporting Exchange, or liaise with law enforcement bodies.

To stay ahead of increasingly sophisticated threats, ANZ and its security partners are committed to learning from this information. We may therefore use your information and any insights to enhance our ability to detect, investigate, and respond to such threats, helping ensure your account remains safe and secure.

There may also be instances where we collaborate with other parties who are looking to identify, prevent or investigate fraud, scams and unlawful activity. As part of this collaboration, ANZ may collect and share, via our trusted security service providers, certain information, such as alerts, however this does not include your behavioural patterns.

Further information

For further information about personal information handling at ANZ, please refer to ANZ’s Privacy Policy. This includes information about how to access the personal information ANZ holds about you, how you can seek to correct it, how you can raise concerns if you believe that ANZ has breached the Privacy Act or an applicable Code, and how ANZ will deal with these matters.

For more information on how ANZ works to protect you and your account, please visit www.anz.com.au/security/how-we-protect-you/.