Shopping securely online

At Bendigo Bank we want you to feel as safe as possible when you're shopping online. That's why we've partnered with Mastercard® and Visa to add an additional level of security to your Bendigo Bank Debit or Credit card.

Mastercard SecureCode™ and Verified by Visa help to protect you against unauthorised card use when you shop at participating retailers, giving you confidence when shopping online with your Bendigo Bank Debit or Credit card.

At a participating merchant, you may be asked to verify your identity. This ensures that the owner of the card is the person completing the transaction.

Mastercard SecureCode and Verified by Visa may prompt for a One Time Password during the checkout process at participating online merchants.

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MasterCard SecureCode Demonstration
Verified by VISA Demonstration

Your Questions Answered

What is a One Time Password?
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.

Why should I use Mastercard SecureCode or Verified by Visa?
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.

What is the difference between Mastercard SecureCode and Verified by Visa?
It's simple. Mastercard SecureCode has been created for Mastercard, while Verified by Visa has been created for Visa cards. Both services work in exactly the same way.

How do Mastercard SecureCode and Verified by Visa protect me?
Mastercard SecureCode and Verified by Visa 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.

Will the merchant see my information?
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.

Will I need a new debit or credit card to use the service?
No. Mastercard SecureCode and Verified by Visa work with your existing Bendigo Bank debit or credit card.

Do all online retailers participate in Mastercard SecureCode and Verified by Visa?
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 SecureCode or Verified by Visa logo on their website. You may have noticed the logos on such sites as www.tigerair.com.au, www.bunnings.com.au or www.giftcards.com.au.

Can I continue to shop online with my Bendigo Bank Debit or Credit card if I do not wish to verify my identity?
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.

Will Mastercard SecureCode or Verified by Visa add any additional fees to my account?
No – both of these services are free.

For more information on the Mastercard SecureCode Service or Verified by Visa:
Click below for more Frequently Asked Questions, visit a Bendigo Bank branch, or call 1300 236 344 for assistance.