Shopping securely online

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 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 www.bunnings.com.au or www.giftcards.com.au.

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.