Keep Safe Online
Be aware of available tools and safe practices help to protect your business and its’ financial information online.
Check out these simple steps to improve the online security of your business. Share these tips with your staff and colleagues to ensure you are all working to keep your business safe online.
Add preventative measures
- Install Trusteer Rapport™ - Trusteer adds an additional layer of protection against potential online identity theft and fraudulent transactions. Visit westpac.com.au/trusteer for more information.
- Ensure you have adequate and current anti-virus and other relevant security software – Make sure the level of protection suits the needs of your business.
- Westpac Protect™ SMS Code or SecurID® token provides an extra layer of protection by generating a one-time-password used to authorise certain Westpac Live transactions and features.
- Multiple users to sign - if you don't already have multiple signatories set up, talk to your local banking representative or review your payment settings online.
- Keep data safe - implementing a regular backup procedure is a simple way to safeguard critical business data. Setting user PC permissions and encrypting your databases will also help.
- Implement a cyber security strategy to counter the evolving cyber threats. E.g. ensuring secure remote access protocol and setting up firewall rules.
- Review your payee list regularly –call us immediately on 132 032 if you do not recognise a payee in your list.
- Regularly check your accounts for any suspicious transactions. Contact us immediately on 132 032 if you detect anything unusual.
Stay ahead of scams and share information with your staff
- 'Be on the lookout and educate your staff about scams targeting businesses. Always verbally validate any payment requests or account changes that are delivered via email. Regardless of if the sender claims to be from a supplier or appears to be someone in your company, call them on a trusted number to verbally confirm first.
- Beware of impersonators - criminals often like to pose as well known organisations to entice you into fulfilling their requests. Common impersonations include ASIC, the ATO, energy companies or utility companies.
- Recommend your staff register for Stay Smart Online Alert Service or Scamwatch Radar alerts - these are free Government initiatives that alert of new online threats as they are identified.
We’re passionate about helping you develop the skills and confidence to have great online experiences. That’s why we work closely with a range of government and community partners to raise online safety and privacy awareness. Stay in the know by visiting these reputable sites.
The Westpac Mobile Banking App provides the same high level security, which you get when using your Online Banking via a computer. For additional security, keep your Mobile Banking app up to date and provide us with the requested security permissions.
Want to know more on what permissions we ask you for?
And don’t forget- when you’re on mobile banking we’ll still cover you with our Security Guarantee. This means we'll refund your money if your account is compromised due to internet fraud, as long as you comply with our Online Banking terms and conditions. This includes keeping your access codes and passwords private.
Securing your Mobile Device
Mobile devices enable us to be flexible, more productive and communicate more freely. They are an extension of our professional and personal lives, and can hold an array of confidential and personal information.
While mobile devices increase flexibility, they also increase the risk of sensitive information becoming compromised. Mobile devices are compact, making them much easier to lose or misplace and they can quickly become an easy target for thieves.
With the number of mobile phone users around the world projected to exceed five billion by 2019, and mobile malware on the increase, it’s vital you know how to protect your mobile devices.
Fraudsters are targeting portable data
Your data can also be targeted—from credit card details, email passwords and contact lists, to being tricked into downloading adware or subscribing to paid services. Fraudsters may attempt to compromise your details via phishing emails, SMS or malware.
Mobile Security Tips
Check out how you can protect yourself, your family and business and the steps you can take to stay safe online.
- Regularly update your device operating system and apps
Keep your operating systems, security features and apps up to date at all times. Don’t delay; update your devices as soon as possible.
- Backup your mobile devices regularly
Mobile devices are filled with valuable email messages, contacts, calendar appointments, videos, photos, and documents. Make sure you regularly back up your mobile devices to a PC or other cloud based solutions.
- Auto-lock all mobile devices with a strong passcode
Ensure all your devices have auto-lock activated and that the passcode to unlock is strong. A simple pattern or swipe passcode isn’t much of a deterrent. If a device is lost or stolen, a strong passcode prevents anyone from accessing your personal or sensitive information. The use of biometric authentication features, such as fingerprint scanning and facial recognition, significantly increases your security.
- Only download apps from trusted sources
Downloading applications or software poses a dangerous threat to your devices. Malicious code can be released when downloading apps or software from untrusted sources, enabling fraudsters to take control of your device, launch attacks against you, or people you may be connected with. Only download apps from trusted sources, such as the Apple App Store or Google Play store, and always check reviews and ratings before downloading.
- Be careful connecting to public WiFi - it's not always secure
Free public WiFi may be very convenient, but it’s not always safe and may expose your device to a multitude of risks, such as eavesdropping or malicious content. If connecting to WiFi is necessary, avoid logging into your banking or other accounts that may contain personal or sensitive information (email, social media etc). To avoid unnecessary risks, be cautious when using the automatic WiFi connection feature on your devices.
- Don’t pair or accept files from unknown Bluetooth devices
Bluetooth is commonly used to share information between various devices, for example text messages on your wearables. Westpac strongly recommends you avoid pairing with unknown devices and decline any unexpected file transfer requests when you do not know the source.
- Know the risks of jailbreaking/rooting
Manufacturers place security restrictions and safeguards on devices to protect users' devices and data. Jailbreaking or rooting removes these safety controls, leaving the system more vulnerable to malware and other threats.
- Be wary of unsolicited calls or messages
Attackers use a variety of methods to get users to download malware or reveal their personal information. Scan or verify any messages, calls, or emails from unknown senders before opening.
- Removing apps correctly
We often provide information about ourselves like our name and email address when signing up to applications. Make sure you deregister yourself from installed apps before uninstalling the app from your device.
- Sign out of apps containing sensitive information
To prevent unauthorised access if your device is compromised, make sure you always sign out of apps, rather than just closing the screen.
- Limit the personal information shared with apps and websites
Signing up for a new service or downloading a new app sometimes requires personal information. Be wary of revealing too much, and research on how secure the application or site is before logging on. It’s also a good idea to review your privacy settings as new updates can impact your existing choices.
What to do if you believe your security has been compromised?
Contact us immediately on 132 032. You may need to reset your mobile device to factory defaults.
Things you should know
Online Banking Terms and Conditions apply.
Apple, the Apple logo, iPhone and iPad are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Google Play is a trademark of Google Inc.
Westpac Mobile Banking applications are only available for use by Westpac Australia customers.
Internet connection is needed to access Westpac Mobile Banking app. Normal mobile data charges apply.
Find out more about the Android or iPhone Mobile Permissions
Anyone who has access to your personal information including your PIN, Online Banking password or Telephone Banking access code can transact on your accounts. We encourage you to treat this information as confidential.
Some further tips to stay in control of your card's security:
- Ensure we have your current contact details (including home, work and mobile phone numbers and email address)
- Advise us of your travel plans including a general travel itinerary, if possible, and attempt to be contactable by us at all times, in all global locations (e.g. establish an email account or activate global roaming on your phone)
- When travelling, take a backup card just in case your card is lost or stolen. Travelling usually increases your risk of having fraud and we don’t want this to adversely affect your holiday plans
- Be particularly careful with your card when visiting countries that are reputed to have many pickpockets; your bag and pockets are not always as safe a place as you would think
- Know where your cards are at all times - if possible walk to the counter to pay your bills instead of giving your card to the waiter, never leave your card behind a bar, and avoid any suspicious looking terminals
- Destroy expired or unwanted cards by cutting through the signature panel and magnetic strip
- Keep a list of your card numbers in a secure location (helpful when reporting lost or stolen cards)
- Treat your card as if it were cash. Do not leave it unattended, such as in a car or workplace, and do not give or lend your card to anyone
- Consider keeping your money in an account that cannot be accessed by your card if you have large amounts of money in the account. For example keep your savings in a savings account so that should your card be compromised, criminals will not be able to access your savings through the card. Similarly it’s a good idea to keep your credit limit appropriate so that criminals cannot take too much money through compromising your card.
- Be suspicious of any person who phones and seeks personal information or bank details without properly identifying themselves
- Never write your PIN down and make sure it is a number that cannot be found in your wallet, e.g. date of birth or last four digits of your phone number
- Check your account for unrecognised transactions on a regular basis.