Code security

Anyone who has your card and PIN (Personal Identification Number) or Customer Access Number (CAN) and Personal Access Code (PAC) can make transactions on your accounts. Therefore, you should be the only person to know your PIN or PAC.


To ensure that this information doesn’t fall into the wrong hands we recommend that you:

  • select your PIN or PAC using a combination of numbers and/or letters which cannot be easily linked to you. For example, you should not use numbers such as dates of birth, any alphabetical code that is part of your name, telephone numbers, bank account numbers, driver's licence numbers etc
  • do not record your PIN on your card, nor on any material which is carried with or associated with it
  • do not record your PAC on the same material as your CAN where they are liable to be lost or stolen simultaneously
  • if you do record your PIN or PAC, make sure it is reasonably disguised 
  • do not tell anyone your PIN or PAC, including family and friends
  • make sure that nobody watches you when you are entering your PIN or PAC, and do not leave anything behind when you complete a transaction.


If you think your PIN or PAC has become known to someone else or if you suspect unauthorised transactions have been made on your account, you should notify us immediately on the freecall number 1800 077 024, 24 hours a day, seven days a week.


If you do not follow these precautions you may be responsible for any unauthorised transactions which happen as a result. Your liability for these transactions will be determined under the ePayments Code.