How we protect youCBD continually invests in and implements the most advanced security measures to ensure all your online banking transactions with us are safe and confidential. Show Some of the security features we use to safeguard your communications with CBD Online Banking are:
SSL Encryption is active on the Web Server, which currently allows and supports 2048-bits encryption. Your browser will display a lock or unbroken key, indicating that you have reached the secure area. Password and PIN security Always be suspicious of unsolicited emails or calls asking you to disclose any personal details or card numbers. Please remember that CBD would never directly ask you to disclose your PIN or password information. Desktop security It is important to use up-to-date antivirus software and a personal firewall. If your computer uses a Microsoft Windows operating system, make sure it is updated via the Windows update feature - if you use a different PC operating system or an Apple Mac, please check regularly for updates. You should be especially vigilant on a public computer which may not have the necessary security measures in place. Check your banking session is secure When undertaking any banking action on the internet, check that the session is secure. There are two simple indicators that will tell you if your session is secure - the first is the “https://” in the URL, and the other is the presence of a digital certificate represented by a padlock or key in the bottom right corner or next to the address in the top of the webpage. Double clicking on this icon should provide you with information about the organisation with which you have entered in a secure session. Always completely log off from your internet banking session It is important to completely log off from your internet banking session; simply closing the window you were working in is not enough to close the banking session. If your computer is infected with any malicious software, your session may be hijacked by a criminal, and financial transactions can be performed on your behalf without your knowledge. Do not store your username / password in the browsers Remember to disable your auto-complete function on your browser, as this will make your Username and Password automatically available to anyone having access to your system. To turn this function off in Microsoft Internet Explorer browser, click the Tools menu, click "Internet Options", click the "Content" tab, and click the "Autocomplete" button. Then disable the "Usernames and passwords on forms". Check your bank account / card statements regularly This doesn't take long and it will help you spot any fraudulent transactions. If you notice something unusual or suspect that you have been a victim of fraudulent transaction or identity theft, please contact us immediately by calling the number on the back of your card or bank statement.
Keep your One Time Password (OTP) secure
Types of online threats
Identity theftWhat is it? Fraudsters attempt to steal your personal information to use for illegal purposes like opening bank account, taking out loans, running up huge debts without paying, etc. How does it happen? What can I do?
How to secure your mobile phoneCBD Mobile Banking Apps use various security measures and data encryption to ensure your day to day banking is completely safe with a User ID/Password, PIN and security token for high level transactions. Some of these security measures are:
The ability to control your beneficiaries by adding or removing utility bills, internal and external payments details through synchronisation from CBD Online Banking through receiving an OTP (one time password) notification on your mobile. Mobile security tips Smartphones make up an integral part of our lives these days. With mobile payments and banking becoming increasingly popular, it is important that you apply the same security measures to your mobile phone as you would to your computer. In the wrong hands, your mobile phone could give the wrong person access to your accounts and ultimately your money. Keeping your phone updated and secure is the first step towards real mobile security.
SIM swap fraudUnder SIM swap fraud, fraudsters manage to get a new SIM card issued against your registered mobile number through the mobile service provider. With the help of this new SIM card, they get One Time Password (OTP) and alerts, required for making financial transactions through your bank accounts. How do fraudsters operate? Step 1 : Fraudsters gather customer's personal information through Phishing, Vishing, Smishing or any other means. Step 2 : They then approach the mobile operator and get the SIM blocked. After this they visit the mobile operator's retail outlet with the fake ID proof, posing as the customer. Step 3 : The mobile operator deactivates the genuine SIM card and issues a new one to the fraudster. Step 4 : Fraudster then generates One Time Password (OTP) required to facilitate transaction, using the stolen banking information. This OTP is received on the new SIM held by the fraudster. How to protect yourself from fraud:
Preventing card fraudCredit card securityWe monitor your account 24/7 for any suspicious or out of the ordinary activity and will contact you straight away if we notice anything unusual. If your card is lost or stolen or you notice any unusual transactions on your account, make sure you contact us immediately on 800 CBD (223). What to look out for There are various frauds linked to stealing your money and credit card details for unauthorized purchases:
How we protect you Keeping your financial and personal information secure is our highest priority. We use the most sophisticated levels of technology and processes to protect your privacy and security and prevent fraudulent transactions on your credit card. Verified by Visa and MasterCard SecureCode What is 3D Secure Authentication?
How does 3D Secure Authentication work?
Why do I need 3D Secure Authentication protection?
Zero fraud liability If your CBD card is used without your knowledge or consent, you will not be liable for fraudulent use. So it is important you contact us immediately if you think your card has been lost or stolen, or if you notice any unusual transactions on your account. Important tips when using your card:
Get a new card:
Card Verification Code (CVC):
ATM security tipsShoulder surfing card and PIN safety What is
it?
What can I do?
Here are some of the ways by which you can protect yourself every time you use your ATM:
How to report a suspicious activityTake control of your security Remember: we will never request your password, account or confidential information over the phone, via email, SMS or social media. We will also never direct you to a site to input your username and password. Your password and PIN are private to you – never reveal them to anyone. If you think you may have disclosed your account details to a suspicious party, contact us immediately by calling 800 223 (CBD) or email to |