Visa Card Security

Here are some essential resources to stay up to date with current scams and ensure your information is safe:

-> Scamwatch: A trusted government resource designed to help keep Australians safe. Whether you're worried about a suspicious message, phone call, or email, Scamwatch can help.

-> The Little Book of Scams: Recognised internationally as a vital tool for consumers and small businesses. 

-> Have I Been Pwned: A private website that tracks data breaches and can inform you if your personal information has been compromised. 

If you’re unsure about navigating any of these resources, ask a family member or friend to guide you, or call the organisation if possible - it’s worth it!

Protect yourself. Stay informed. 

Card Skimming

What It Is:
Card skimming is when scammers install devices on ATMs or point-of-sale terminals to copy your card information. In Australia, this scam has popped up in various places, and yes, it’s as dodgy as it sounds.

How to Protect Yourself:

-> Inspect ATMs and card readers for anything unusual or signs of tampering.

-> Cover the keypad when entering your PIN - it’s an easy habit that can save you.

-> Stick to well-lit, secure ATMs, preferably those inside bank branches.

Risks:
Your card information could be stolen and used for unauthorised transactions.

Card Not Present (CNP) Fraud

What It Is:
This sneaky scam involves scammers using your card details to make purchases online or over the phone, without needing the physical card. With online shopping on the rise in Australia, CNP fraud is becoming increasingly common.

How to Protect Yourself:

-> Regularly check your account statements for unfamiliar transactions.

-> Use secure payment methods and avoid saving your card details on shopping sites.

-> Set up transaction alerts to keep track of any activity on your account.

Risks:
Unauthorised transactions and potential financial loss.

Think Before You Click

• Before you click on a link, hover over it to check if the web address looks legitimate. If something seems fishy - spoiler: it probably is - type the web address directly into your browser instead. A few extra seconds can save you a lot of hassle later.

Be Wary of Unexpected Calls and Messages

• Got an out-of-the-blue call asking for your personal info or remote access to your device? Hang up! Then, contact the company directly using their official number. Scammers love to catch you off guard, so staying cautious is key.

Use Secure Payment Methods.

• Stick to secure payment options, like Visa debit or credit cards, or PayPal, which offer fraud protection. Payment methods like wire transfers or cryptocurrencies are a scammer’s dream - they’re untraceable and unrecoverable, so steer clear.

Keep Your Devices and Software Up to Date.

• Outdated devices and software are like open doors for scammers. Regular updates include security patches to help block new threats. Set your devices to update automatically and stay one step ahead.

Pause Before Acting on Urgent Requests.

• Scammers love to create a false sense of urgency, rushing you into making decisions. If something feels off, take a moment to pause and think. Breathe. Legitimate companies won’t pressure you to act immediately.