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Your questions answered

A One Time Password (OTP) is a single use 6-digit password used to verify the identity of a customer. The OTP will be sent to the mobile phone number or email address Bendigo Bank has on file.

Both of these free services protect your card against unauthorised transactions, giving you confidence when shopping online with your Bendigo Bank Debit or Credit card.

The only difference between the two is the branding which is based on the type of card you are using to complete your online purchase. The technology that is used to authenticate you during the purchase remains the same.

Mastercard Identity Check and Visa Secure request that you verify your identity when making purchases at participating online retailers - giving you the added confidence that only you can use your Bendigo Bank Debit or Credit card.

The communication between you and Bendigo Bank is not visible to the merchant and none of your account information, including your customer number, is ever shared with the merchant.

No. Mastercard Identity Check and Visa Secure work with your existing Bendigo Bank debit or credit card.

Not all online retailers participate in these services which means you won't be asked to verify your identity at every online purchase. Registered retailers will display the Mastercard Identity Check or Visa Secure logo on their website. You may have noticed the logos on such sites as or

No, you cannot bypass the window which requests your customer number. If you are unable to provide your customer number you will be returned to the online store with the option to continue with another form of payment.

No – both of these services are free.

For more information on the Mastercard Identity Check Service or Visa Secure:

Visit a Bendigo Bank branch, or call 1300 236 344 for assistance.

After hours please call 1800 035 383 and select option 4 or if calling from overseas call +61 3 5485 7872 and select option 4.

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Bendigo and Adelaide Bank Limited, ABN 11 068 049 178 AFSL / Australian Credit Licence 237879. Any advice provided on this website is of a general nature only and does not take into account your personal needs, objectives and financial circumstances. You should consider whether it is appropriate for your situation. Please read the applicable Disclosure Documents before acquiring any product described on this website. Please also review our Financial Services Guide (FSG) before accessing information on this website. Information on this page can change without notice to you.

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