Secure Code FAQs

1.  What is Secure Code?

   The Secure Code service was designed to make Internet and Phone Banking safer than ever. Secure Code is a free service that sends a unique code to your mobile phone or nominated landline telephone to authenticate certain types of Internet Banking transactions.

2.  How does Secure Code work?

   When you perform a transaction that requires a Secure Code, a Bank of Melbourne Secure icon will appear on your screen with instructions on how to receive your Secure Code. At this time, you simply select your preferred delivery method (an SMS to your mobile phone or a voice call to your landline telephone) and you will receive the Secure Code within seconds. Enter the Secure Code into the ‘Secure Code’ field to validate your transfer or request. Upon authentication, a confirmation message will be displayed on your screen.
   
   With the increased security of Secure Code, you receive an additional layer of online protection. This means that even if your Security Number and Internet Password fall into the wrong hands, your money and personal information cannot be transferred or changed without your approval. Bank online with an even greater level of security.

3.  How do I receive a Secure Code?

   You may choose to receive an SMS text message to your mobile phone or opt to receive your Secure Code via a nominated Australian landline telephone. By telephone, you will get a voice call to provide you with confirmation of your transaction, as well as your Secure Code.

4.  How much does Secure Code cost?

   The Secure Code service is a security feature provided to you free of charge. We will not charge you for the phone call or SMS. Some mobile phone network providers may charge a fee when you are overseas and using global roaming.

5.  Does the Secure Code expire?

   Yes, the Secure Code will be valid for approximately three minutes and will apply only to the transaction for which it was generated. When the Secure Code expires, you may request another Secure Code. If you don’t receive your Secure Code, please check the phone numbers listed on the ‘My Information’ screen to ensure your details are current. If you need assistance, please contact an Internet Banking specialist on 13 22 66.

6.  What Internet Banking functions require a Secure Code?

   At this time, a limited number of Internet Banking functions will require a Secure Code. These include:
   
   1.Transferring money to a Payee
   
   2.Making a BPAY payment to selected BPAY billers for payments such as credit cards or TAB accounts
   
   3.Making a Group Payment where the Group includes applicable Payees or selected BPAY billers
   
   4.Making a change to your address or telephone details
   
   5.Registering for international transfer access
   
   6.Making a transfer to an international account

7.  Do I need a Secure Code when making transfers to and from my directsaver account or my Express Saver account?

   No, the Secure Code is not required when making transfers between your Nominated and directsaver account or Express Saver account.

8.  What else does Bank of Melbourne do to protect my money and personal information?

   Our advanced computer systems and leading edge, industry-standard technology and processes are designed to protect you against fraud and keep your personal banking details secure.
   
   Online, we safeguard our systems with anti-virus protection, firewalls, encryption technology, authentication, automatic time-out periods and more. Read more about how we maintain your privacy and security.
   
   Remember, we will never send emails that request you to enter your personal information or redirect you to logon to Internet Banking. Always access Internet Banking by typing bankofmelbourne.com.au directly into the address field of your Internet browser, and then clicking on the logon button on the home page.

9.  Can I use Secure Code when I’m overseas?

   Yes, a Secure Code can be sent to your Australian mobile phone number wherever you are, if you have global roaming activated on your mobile phone. If you live outside Australia and do not have an Australian phone number, please contact an Internet Banking specialist on 13 22 66 for assistance.

10.  What is Two-factor authentication?

    An authentication factor is a piece of information used to verify a person’s identity for security purposes. Two-factor authentication uses two factors to deliver an increased level of validation. The two recognised factors we are using are first ‘something you know’ (your Security Number and Internet Password) and then ‘something you have’ (your mobile or telephone that will deliver the Secure Code to you).