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Protecting you against fraudulent transactions

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 illegal transactions.

Qualifying for Bank of Melbourne's security guarantees

Bank of Melbourne Secure

  • 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 

  • 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.

The Detail

Bank of Melbourne Secure: If your Bank of Melbourne account is compromised as a result of Internet fraud, we guarantee to repay any missing funds, providing you comply with our Internet Banking Terms and Conditions. This includes keeping your logon details (including passwords and Bank of Melbourne Secure codes) private. You must inform us immediately if you suspect the security of your access details has been compromised, or 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.