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Safe shopping online with Visa Secure

Verified by Visa logo


We want you to feel as safe as possible when you're shopping online. That's why we've partnered with Visa to add an additional level of security to your Rural Bank Debit card.

Visa Secure (formerly Verified by Visa) helps to protect you against unauthorised card use when you shop at participating retailers, giving you confidence when shopping online with your Rural Bank Debit card.

At a participating merchant, you may be asked to verify your identity. This ensures that the owner of the card is the person completing the transaction.

Visa Secure may prompt for a One Time Password during the checkout process at participating online merchants.

Your questions answered

What is a One time Password?

A One Time Password (OTP) is a single use 6-digit password used to verify the identity of a customer. The OTP will be sent to the mobile phone number Rural Bank has on file.

How does Visa Secure protect me?

Visa Secure requests that you verify your identity when making purchases at participating online retailers – giving you the added confidence that only you can use your Rural Bank Debit card.

Will the merchant see my information?

The communication between you and Rural Bank is not visible to the merchant and none of your account information, including your customer number, is ever shared with the merchant.

Will I need a new Debit card to use the service?

No, Visa Secure will work with your existing Rural Bank debit card.

Do all online retailers participate in Visa Secure?

Not all online retailers participate in these services which means you won't be asked to verify your identity at every online purchase. Registered retailers will display the Visa Secure logo on their website.

Can I continue to shop online with my Rural Bank Debit card if I do not wish to verify my identity?

No, you cannot bypass the window which requests your customer number. If you are unable to provide your customer number you will be returned to the online store with the option to continue with another form of payment.

Is the Visa Secure service free?

Yes, this service is free.

Want more information on the Visa Secure Service?

Please call the Rural Bank Customer Service Team on 1300 660 115.

Rural Bank - A Division of Bendigo and Adelaide Bank Limited
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