Card security

At Bendigo Bank we make fraud our problem, not yours.

BendigoProtect® is our card security system which identifies unusual activity on your debit or credit card. As soon as a suspect transaction is detected by BendigoProtect, we will try to contact you to verify the transaction. If a transaction is fraudulent, we’ll attempt to resolve the situation as soon as possible.

We offer a fraud, money back guarantee and you’ll not be held liable if you haven’t contributed to the loss and have notified us promptly of the theft, loss or misuse of your card/account.

Protect+Pay is our app which provides additional security for your cards.  Once you download the app you’ll be able to apply controls like temporarily blocking your card, or choosing when to allow certain transactions.

At Bendigo Bank we want you to feel as safe as possible when you're shopping online. That's why we work with Mastercard SecureCode™ and Verified by Visa to provide additional protection against unauthorised card use.

  • Shopping securely online is made easier with our explanations, and answers to common questions
  • We also have useful advice on what you can do to prevent fraud in the first place

Contact us immediately if a transaction appears on your statement that you do not believe is yours. To query or dispute a transaction, please print and complete the Disputed Transaction Form, then pass it on to us in one of these ways:

  • Hand it in at any branch 
  • Fax it to us on (03) 5485 7672
  • Email it to the Card Disputes Team
  • Mail it to Card Services, PO Box 480, Bendigo, VIC 3552, Australia

Please send a copy of any relevant documents. Once we receive the completed form, we will investigate the transaction.

Here's a list of basic precautions you can take to protect yourself from card fraud:

  • Sign your card as soon as you receive it
  • Carry your card with you, or keep in a safe place
  • Do not select a PIN that is easily identified with you (e.g. your date of birth, your post code, part of your phone number)
  • Protect your PIN and password by not telling anyone (even if they say they're calling from Bendigo Bank), and not writing it down anywhere unless you disguise it very carefully
  • 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
  • Your card shouldn't be taken out of your sight when making a purchase
  • Make online or telephone purchases only with reputable and well-known companies
  • If you are not using your card anymore or it has expired, destroy it immediately by cutting it in half diagonally
  • 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