Protect Your Credit and Cashpoint Cards
The National Bank has leading edge security systems and processes in
place to minimise the risk of credit card fraud so you can feel more
secure about using your credit card, no matter where you the world you
are. And we're always available to help which provides assurance if
something goes wrong.
Our world class security systems
Our proactive fraud monitoring systems constantly monitor all credit
card transactions identifying those that appear to be outside a
customer's normal spending pattern and may indicate someone else is
using the card fraudulently. In some cases where there is a strong
indication of fraud we may place a temporary block on the credit card,
until you are contacted, to avoid any further fraud taking place.
You won't lose out if fraudulent activity is found to have been
committed on your credit card as our zero liability policy means that
you are refunded in full so pay nothing, as long as you haven't
participated or contributed to the loss or fraud in any way, e.g. giving
out your PIN.
Tips for avoiding card fraud
Personal information
- Select a PIN that cannot be easily guessed (e.g. don't use
simple sequences such as 1234). Don't write it down or disclose it
to anyone - including the Bank or the Police
- Keep your personal information, including mobile phone number,
up-to-date so we can contact you if an unusual transaction is detected.
- Let us know your travel plans, especially when travelling overseas
as this helps us monitor unusual transactions.
Using your card
- Sign your card when you receive it and contact us if an expected
card doesn't arrive.
- Make sure when entering your PIN that it
cannot be seen by anyone else. Watch out
for people looking over your shoulder.
- Look out for unfamiliar fixtures on
ATMs. These fixtures will not appear to be
part of the normal ATM, or are attached to
the slot where you insert your card. If you
notice something suspicious don't use it and
report it to the Bank immediately.
- After a purchase, check the card
returned is your card.
- Keep your transaction receipts and check
them against your monthly statements or on
Online Banking. Contact us immediately if
there are any transactions you don't
recognise.
Tips for online or telephone shopping
Using your card
- Never give your PIN over the phone and only give your card
details if you have personally made the call to a known company.
- Always use a secure website to protect
your card details - look for the padlock or
unbroken key symbol and check the internet
address starts with https ://
instead of http:// as this is a sign of security, unsolicited 'spam' emails
that request sensitive card or account
information. Remember we will never ask you
for your PIN or Online Banking password.
Who to contact
If you think your Cashpoint or credit cards are lost or stolen or you
suspect fraudulent activity, please contact The National Bank as soon as
possible. We're available 24 hours, 7 days a week.
For lost or stolen credit cards:
In New Zealand call 0800 724 200
From overseas contact us on
these numbers.
For lost or stolen Cashpoint cards:
In New Zealand call 0800 724 200
From overseas call +64 4 382 9608
For suspected fraudulent activity on Cashpoint or credit cards:
In New Zealand call 0800 741 741
From overseas call +64 4 382 9608