At Bank of Sydney the security of your Visa Debit Card is a top priority, and we want to ensure you feel confident in protecting your account. To help prevent any unauthorised transactions, we recommend that you take extra care in keeping your card(s) and PIN(s) secure.

By staying vigilant and following simple steps to safeguard your card, you can reduce the risk of misuse, loss, or theft and enjoy peace of mind with every transaction.

Helpful Tips to Keep your Card Safe

Sign your card as soon as you receive it
Take reasonable steps to guard your Card or payment device – treat it like your cash.
Never let your card out of your sight when making a transaction.
Always check the amount and currency unit of the transaction before signing, tapping or entering your PIN.
Check that no one is watching you when you enter your PIN at the ATM or merchant terminal and remember to retrieve your Card after making a transaction.
If you change your address, please contact us to update your details as soon as possible.
Set up personalised phone/email notifications via the ‘Alerts’ section in Internet Banking so you can identify and quickly report suspicious transactions.
Check your account statements regularly to identify any potential unauthorised transactions.
Report lost, stolen or misused cards and unauthorised transactions promptly by calling us on 13 95 00 (option 4) or +61 2 8262 9191 (option 4) from overseas.

Security Measures to Protect your Card, Device & Passcodes

 

Your Bank of Sydney Card, devices, PIN and passcodes (including One Time Passwords) are the keys to accessing your Accounts electronically, therefore their security is very important.

Please see the below guidelines to assist you in keeping your accounts secure and minimise opportunities for unauthorised transactions or misuse.

  • Do not keep a written record of any passcodes required to perform transactions on one or more articles which may be lost or stolen simultaneously, without making a reasonable attempt* to protect the security of the PIN or passcode(s).

  • Do not share your PIN or passcodes with others, including family members or friends.

  • Do not select a PIN or passcode that represents your birth date or a recognisable part of your name as these are easy for an unauthorised person to guess.

  • You must not act with extreme carelessness in failing to protect the security of all PINs and passcodes. 

    An example of extreme carelessness may include storing a username and passcode for internet banking in your diary, phone, tablet or computer that is not password protected under the heading ‘Internet Banking codes’.


Important Information:
Circumstances where you may be liable (or partly liable) for unauthorised transactions are assessed under the ePayments Code. This may include instances where losses occurred due to a breach of card or passcode security requirements as outlined in the guidelines above and/or within the following documents:

 

FAQs

Yes, you can temporarily block your Visa Debit Card via Internet Banking or by calling us:

1. BOS Internet Banking

  • Log into BOS Internet Banking
  • Select the debit card
  • Click on ‘Card Options’
  • Select ‘Temporary Block’
  • Click ‘Submit’
  • Authorise the card temporary block via mobile notification (SMS or push notification)
  • Your card has been temporary blocked

2. Contact us on 13 95 00 (Mon-Fri, 9am-5pm AEST)

  • Select Option 4: ‘Card Enquiries’
  • Then, Select Option 2: ‘Card Enquiries’

3. Visit one of our branches

If you’ve lost your Visa Debit Card, or had it stolen, you can let us know by:

1. Contacting our Fraud Department on 1300 705 750 (available 24/7)

2. BOS Internet Banking

  • Log into BOS Internet Banking
  • Select the debit card
  • Click on ‘Card Options’
  • Select ‘Lost/Stolen’
  • Select reason from the drop down menu and click ‘Submit’
  • Authorise the card lost/stolen via mobile notification (SMS or push notification)
  • Your card has been closed

3. Contact us on 13 95 00 (Mon-Fri, 9am-5pm AEST)

  • Select Option 4: ‘Card Enquiries’
  • Then, Select Option 1: ’Lost or Stolen Cards’

4. Visit one of our branches

For your security, our Visa Debit Card has a default daily limit of $3,000 (for online and chip transactions). To increase or decrease your limits:

1. Send a secure Internet Banking message

  • Log into BOS Internet Banking
  • Select the envelope icon from the top
  • Select ‘New Message’
  • As a subject choose ’Increase/Decrease VDC limits’
  • Write a short message requesting a decrease/increase on your VDC limits and mention the last 4 digits of your VDC
  • Authorise the secure message via mobile notification (SMS or push notification)

2. Visit one of our branches

You can complete the Cards & BPAY Transaction Dispute Form here. Please submit as soon as possible, so we can assist with your request.

See all FAQs

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We're here to help

Visit our friendly staff at one of our branches

Find a branch near you

Secure message via Internet Banking

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Talk to one of our friendly staff Mon-Fri (Excluding Public Holidays).

Call 13 95 00

*A reasonable attempt to protect the security of a PIN or passcode record includes making any reasonable attempt to disguise the PIN or passcode within the record, or prevent unauthorised access to the passcode record, including by:
(a) hiding or disguising the PIN or passcode record among other records;
(b) hiding or disguising the PIN or passcode record in a place where a passcode record would not be expected to be found;
(c) keeping a record of the PIN or passcode record in a securely locked container; or
(d) preventing unauthorised access to an electronically stored record of the PIN or passcode record.
This list is not exhaustive.

Please take a moment to read through the below information
General Banking Fees & Charges
Deposit, Saving & Transaction Accounts PDS

More information about our product and services is available here.