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Protect my card

Following some basic safety rules with your card can help keep you protected.

Keep you and your card protected

Making sure you and your card are always protected is one of the most important parts of managing your card. Following some basic safety rules will assist, however we’re here to help no matter what happens.

How to keep your card protected

  • Carry your card with you, or keep in a safe place.

  • Do not hand over your card when making a purchase.

  • If you are not using your card anymore or it has expired, destroy it immediately by cutting it in half diagonally through the chip.

  • If you need to contact us about your card or account, never include your full card number in an email. Instead, contact us by phone or send us a secure message via e-banking or the Bendigo Bank app.

  • Do not take a photo of your card and share it, particularly on any social media platforms.

  • Never provide your card details to anyone who phones or emails – staff from Bendigo Bank will never request this information from you.

How to protect your PIN, passwords and access numbers

  • Do not select a PIN, password or access number that is easily identified with you (e.g. your date of birth, your post code, part of your phone number).

  • Protect your PIN, passwords and access numbers by not telling anyone (even if they say they're calling from Bendigo Bank).

  • Don’t write your PIN, password or access numbers down anywhere.

  • Notify us immediately if your card or PIN has been lost, stolen or compromised.

  • At an ATM or EFTPOS device make sure no one is watching your PIN; if you see anything suspicious, don't use it.

  • To set up a new PIN or change your existing PIN, you can do this online via the ‘Cards’ section within the Bendigo Bank app; call 1800 035 383 and follow the prompts; at a Bendigo Bank ATM; or request a unique SMS PIN.

  • Never click on a link in an email or SMS that is requesting your details or payment. Bendigo Bank will never request this information from you.

How to protect your transactions

  • Make online or telephone purchases only with reputable and well-known companies.

  • Look for the padlock symbol before entering personal information.

  • Only provide your card details when making purchases – do not provide them for any other reason.

  • Keep receipts from internet transactions, check them against your statement, and report discrepancies.

  • Keep us up to date with your contact details so we can contact you quickly about any suspicious transactions.

One-time password (OTP)

A one-time password or OTP is something you have which is a requirement of Multi-factor authentication (MFA). Understand more about MFA.

  • Staff from Bendigo Bank will never request you to share an OTP; verbally or via any other means.
  • An OTP shouldn’t be entered more than once. If you’re unsure stop and contact us.

Important reminder

Contact us

It’s important to remember if you’re ever concerned about the security of your card, your accounts or your personal information contact us immediately on 1300 236 344.


Visit our scams page for latest scam alerts. You will also find other useful information on how to identify and protect yourself from common scams.

Bendigo and Adelaide Bank acknowledges Aboriginal and Torres Strait Islander peoples as the First Peoples of this nation and the Traditional Custodians of the land where we live, learn and work. We pay our respects to Elders past and present as it is their knowledge and experience that holds the key to the success of future generations.

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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