Online Security FAQs

There are heaps of ways to tell if a website is safe to use with your card. When in doubt, always do your research first. For our top tips, check out our article on on Ways to Bank Securely.

The following are official Australian Web sites with more information about fraud: 

• Australian Government ”Scamwatch” Web site
• Australian Government’s “Stay Smart Online” Web site and email Alert Service.
• Your state Police Web site:
  • QLD
  • NSW
  • VIC

Fraud and identity theft come in many forms, so you need to be constantly vigilant about your financial account and personal information. In particular, we suggest that you:

• Routinely check your statements for anything unusual and query the institution which issued the statement about any transactions you’re unsure of.
• Contact us with the details of any suspicious transactions on your Heritage accounts.
• Note unusual emails or phone calls from organisations you haven’t contacted, particularly if they ask for information about your identity.

If you believe you've fallen victim to identity theft,read our article on What to do if you are a victim of identity theft.

To help protect yourself from card fraud, read our article on Ways to Bank Securely which contains lots of tips and tricks.

If you believe your card has been compromised, please contact us.

If you suspect someone has stolen your identify, please read our help and guidance article on what do to if you're a victim of identity theft.

If you believe your computer may have been compromised: 

• Disconnect your computer from the Internet.
• Contact a reputable, local computer support company and have them fully remove any malicious software. Do not accept the assistance of someone contacting you where you haven’t initially asked for help. 
• Please contact us as well as your other financial institutions as soon as possible.

Any claims resulting from such activity will be assessed on the details of each individual incident.

You can also read our help and guidance article on Ways to Bank Securely for tips on keeping your computer safe in the future. 

The Heritage Fraud team monitors unusual transactions on our customer’s accounts. If you let us know that you will be overseas, we will be in a better position to determine if you are likely to be doing a transaction in a foreign country.

Before leaving on your trip:

• Check the expiry date of your card and that the magnetic strip on the reverse of the card is not damaged. If the card is due to expire while you plan to be away or is damaged, you may need to arrange with us for a new card prior to your departure.
• Advise the Bank when and where your are travelling. We don’t require a detailed itinerary, only when you plan to travel and which countries and regions you plan on visiting.

Heritage gives customers the option to use a “floating keyboard” when entering their Heritage Online password. This helps to protect customers from someone observing them enter their password.