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Shopping securely online

Feel safe while shopping online.

Visa Secure and eftpos Secure

Visa Secure and eftpos Secure are free services that protect your card against unauthorised transactions, giving you confidence when shopping online with your Rural Bank debit or credit card.

Visa Secure and eftpos Secure offer protection by requesting 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 or credit card.

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 or email address Rural Bank has on file.

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

There are no additional fees for having Visa Secure or eftpos Secure, these services are free and will work with your existing Rural Bank debit or credit card.

The only difference between Visa Secure and eftpos Secure is the branding which is based on the type of card you are using to complete your online purchase. The technology that is used to authenticate you during the purchase remains the same.

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 or eftpos Secure logo on their website. You may have noticed the logos on such sites as or

If you do not wish to verify your identity when shopping online with your Rural Bank debit or credit card 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.

For more information on Visa Secure or eftpos Secure:

Visit your local branch, or call 1300 660 115 for assistance.

After hours please call 1800 035 383 and select option 4 or if calling from overseas call +61 3 5485 7872 and select option 4.

Bendigo and Adelaide Bank acknowledges Aboriginal and Torres Strait Islander peoples as the First Peoples of this nation and the Traditional Custodians of the land where we live, learn and work. We pay our respects to Elders past and present as it is their knowledge and experience that holds the key to the success of future generations.

Rural Bank - A Division of Bendigo and Adelaide Bank Limited
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