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Increasing your card security

Card security

Cards are an extremely convenient method for accessing your money when making payments (i.e. via EFTPOS or online) and also for withdrawing cash from an ATM.

Our zero liability guarantee protects you from losses attributed to genuine fraudulent transactions1on your account, however losses due to fraudulent transactions can be extremely inconvenient and distressing.


Here are a number of tips to help you protect your account when using your card.

  • Never share your PIN,
  • Always cover your hand when entering your PIN,
  • Be discreet when withdrawing cash at an ATM, especially in a foreign country,
  • Do not let shop assistants or staff take your card out of sight for any reason,
  • Do not use the same PIN for all of your cards,
  • Do not use an easily identifiable number (such as your date of birth) that might also be found in your wallet or purse,
  • Always sign your card in ink when received,
  • If your new card has not arrived in the expected timeframe, call us on 1300 365 7 24,
  • When using your card to make online purchases, ensure it is a secure website. Look for the prefix https:// or a small key or lock symbol on your internet browser,
  • Never give your card number to strangers or telemarketers,
  • When making contactless payments using VISA payWave, always remove your card from your wallet or purse before placing against the contactless merchant terminal,
  • Immediately report any lost or stolen cards to us on 1300 365 7 24,

Card Skimming

What is card skimming?

Card skimming is when someone illegally copies your account details from the magnetic strip on your card when you use an ATM or EFTPOS terminal. The fraudster then uses your details to create a fake or “cloned” card and will then use the “cloned” card to withdraw money from an ATM either within Australia or quite often overseas.

Warning signs

Be aware of the following warnings signs for skimming devices.

  • Look for unusual items such as cameras or a loosely fitted card reader before you use an ATM.
  • Look for signs of tampering with the ATM – glue residue, exposed wires, pieces of double-sided tape?
  • Be wary if a shop assistant or taxi driver takes your card out of sight to process your transaction.
  • If your card is swiped through more than one EFTPOS terminal at a shop ask the operator why? If you are not satisfied with the response call us on 1300 365 7 24.
  • Check your account statement promptly for any unusual or unauthorised transactions on your account.
  • If you believe an ATM looks suspicious or has been tampered with, do not use it. Report the ATM to the nearest Holiday Coast branch or call us on 1300 365 7 24,
  • If you believe your card has been skimmed at an ATM, call us on 1300 365 7 24.

1 Refer to our conditions of use document for more information about your liability for fraudulent transactions

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