Secure Code FAQs

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.

Secure Code one-time-password solution is a proven security measure for Bank of Melbourne Internet Banking. It is regarded as second-factor authentication. First factor refers to 'something you know' (i.e. your password) and second factor is 'something you have' (like your mobile phone). Both are used to verify your identity and thus make your transactions more secure.

This means that even if your Security Number and Internet Password fall into the wrong hands, your money and personal information is still safeguarded by an additional layer of protection.

When you perform a transaction that requires a Bank of Melbourne 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 finalise your transfer or request.

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.

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.

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.

Adaptive Authentication enables us to adapt our system, in real-time, to provide customers with the highest level of security on Internet and Mobile banking functions that involve identification, transferring funds or making changes to contact details, products or services.

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

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).