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Bank security with St.George Secure™

Protecting you from fraudsters
Our technology constantly learns from your banking behaviours, helping to keep you safe from suspicious activities to protect you, your finances and your family. 
Fraud and scam monitoring 24/7
We protect your Internet Banking using comprehensive, real-time authentication and fraud detection platforms. This allows us to get to know your digital identity and behaviour, and alert you if we detect unusual activity on your accounts.
Protecting you and your data
We work around the clock to detect and remove phishing websites and various security threats that target our customers. If you see something suspicious, report it to us

St.George Verify

St.George Verify is a new addition to the many ways in which we help keep you safe from scams.

  • If St.George Verify detects a payment may be a scam, including when the account name doesn’t match the recipient or when money is being sent to an account St.George has never transacted with before, we’ll send you an SMS.
  • If you receive an SMS from us requesting you verbally validate payee details, we strongly urge you to take action and call your payee (on a trusted phone number) to verify the BSB and account number. Payment redirection scams are commonly targeting Australian's and tricking people into paying to a new or different BSB and Account Number. The result often being consumer or business financial loss.
  • To keep your money safe, we will hold the payment for 4 hours, giving you time to call the payee and verify the information is correct. If we don’t hear from you, the transaction will proceed once the hold time has been reached.

What is Secure Code?

The Secure Code service sends a unique One Time Password (OTP) to your mobile phone or nominated landline telephone to authenticate certain types of Internet and Mobile Banking transactions.

Qualifying for St.George's security guarantees

You can rest assured that your banking is safe and secure using either the Phone or Internet. Your Internet Banking and Credit Card transactions have unique security guarantees, helping to protect you from fraud. Fraud is when someone gains access to your accounts or details for the purpose of making unauthorised transactions.


St.George Secure

In the unlikely event that an unauthorised phone or internet transaction does occur (and it is clear that you have not contributed to the losses*), St.George will refund you the full amount.

  • Have not shared your logon details or secure codes
  • Have not voluntarily participated in the transaction
  • Immediately informed us of any unauthorised activity 

Fraud Money Back Guarantee 

Any unauthorised card transactions will be reimbursed, provided that you have not contributed to the loss and contacted us promptly. Refer to your card's terms and conditions, including when you'll be liable. 

  • Unauthorised transaction made without your knowledge
  • Reported promptly within your billing cycle
  • Haven't voluntarily agreed to the transaction

Protect yourself

Find out simple hints and tips to protect yourself from fraud and scams.

How to Report

Know how to report suspicious behaviour, unusual activity, disputed transactions and security threats.

Types of scams and fraud

Scammers are very active in our community. The more we know about scams and share this knowledge with family and friends the better we’ll be at protecting each other and reducing their impact on the community.

Important information

St.George Secure: If your St.George account is compromised due to Internet Banking fraud, we guarantee to repay any missing funds, provided you complied with our Internet Banking Terms and Conditions (PDF 888KB). This includes keeping your logon details (including passwords, St.George Secure codes) private, not participating in the unauthorised transaction, and immediately notifying us when you suspect an unauthorised transaction or potential fraud on your accounts.

Fraud Money Back Guarantee: Our St.George Fraud Money Back Guarantee ensures that you will be reimbursed for any unauthorised transactions provided that you have not contributed to the loss and contacted St.George promptly. Refer to your card’s conditions of use for full details, including when a customer will be liable.