Multi-factor authentication

Multi-factor authentication (MFA) is a security measure that requires two or more proofs of identity to verify a user. Asking for additional details to confirm your identity provides greater security compared to a password alone, making it harder for criminals to access your accounts or information.

How it works?

Multi-Factor Authentication (MFA) adds an extra layer of security to your banking. How you receive and complete your MFA depends on whether you use our mobile app or e-banking on the web browser. 

If you use the Bendigo Bank app 

Using our app is the easiest and most secure way to manage your MFA. 

• Setting up the app for the first time: 
  • If you joined online: Enter your Access ID, create a password, and verify your details with a one-time security code sent to your mobile via SMS. 
  • If you joined in branch or over the phone: Enter your Access ID and the temporary password we gave you. You will then create a permanent password and verify your details with a one-time security code sent via SMS. 
• Logging into the app: Once registered, you do not need security codes to log in. Simply use your secure 4-digit PIN or biometrics (Face ID or fingerprint). 
• Logging in on a computer: When logging into e-banking on your computer, we will send a secure notification to your Bendigo Bank app. Just tap the notification and use your PIN or biometrics to log in instantly. 

If you do not use the app (e-banking via web browser only) 

If you only use a computer or mobile web browser for your banking: 

• Logging in: Enter your Access ID and password. To complete your login, we will send a one-time security code to your mobile (SMS) or email. This code is dependent on the preference you chose when setting up your account.
• Your preference: This code is sent based on the preference you chose when setting up your account.  

Note: If you need to change how you receive these codes, please contact our support team.