Secure Code one-time-password solution is a proven security measure for St.George Internet Banking. It is regarded as second-factor authentication. First factor refers to 'something you know' (i.e. your password) and second factor is 'something you have' (like your mobile phone). Both are used to verify your identity and thus make your transactions more secure.
This means that even if your Security Number and Internet Password fall into the wrong hands, your money and personal information is still safeguarded by an additional layer of protection.
When you perform a transaction that requires a St.George Secure Code, a Bank of Melbourne Secure icon will appear on your screen with instructions on how to receive your Secure Code. At this time, you simply select your preferred delivery method (an SMS to your mobile phone or a voice call to your landline telephone) and you will receive the Secure Code within seconds. Enter the Secure Code into the 'Secure Code' field to finalise your transfer or request.