Card fraud is on the increase in Australia and methods for conducting fraud are changing all the time. To guard against unauthorised electronic transactions via the use of access cards, such as Visa Debit or rediCARD PLUS and a PIN, we suggest that you follow these security guidelines:
Following the guidelines does not mean that you cannot be liable for unauthorised transactions. Depending on the circumstances, you could be held liable for unauthorised transactions. For example, if you unreasonably delay advising us after you become aware of the unauthorised transactions, or if you have contributed to the loss by your actions.
The guidelines will NOT determine your liability for losses resulting from unauthorised transactions. Liability for such transactions is determined in accordance with the Conditions of Use applying to your card, Phone and Internet Banking services and the provisions of the ePayments Code. Information about the ePayments Code can be obtained from The Rock or via the ASIC Moneysmart website.
Card skimming occurs when criminals attach illegal devices to ATM or EFTPOS machines that are designed to ‘skim’ the details of your card and capture your PIN. With this information a fake card is created and used along with your PIN to access your accounts and steal money.
Skimming is not easy to detect – but there are some signs you should make yourself aware of. Apart from usual wear and tear are there any markings on the ATM or changes in its appearance, like cuts or cracks, glue residue, exposed wires or the remnants of double-sided tape. Does the card entry slot appear to have an extra device attached to it? Does the keypad look normal or does there appear to be an extra layer over the pad?
If you use a particular ATM regularly, familiarise yourself with it. This will help you notice if anything appears unusual with the ATM. Also cover your hand when entering your PIN. This is just a normal precaution that helps keep your PIN secret from any prying eyes or hidden cameras.
If you believe an ATM appears suspicious or has been tampered with – don’t use it. Report it to the ATM owner or the police right away.
When using EFTPOS machines keep your card in sight during a transaction. Be suspicious if a shop assistant wants to swipe your card out of sight – or in a second machine. If you have doubts, you should refuse, pay by cash or leave the store. You should regularly check your statement to identify any unauthorised transactions. Internet Banking is a convenient way to do this, 24 hours a day, 7 days a week.
Change your PIN immediately if you suspect skimming or any suspicious activity has occurred on your account – and immediately report it to The Rock.
If you are travelling overseas ensure you know the PIN for you Visa Debit Card before you leave so you don't get caught out and are unable to make transactions.