Cards
that are lost or stolen either with their PINs or Passwords or where the PINs
or Passwords are easily guessed may be used to access your accounts. This could
result in the loss of funds from your account. You are responsible for taking
reasonable steps to safeguard your Card, PIN and/or Password. If you don't you
may be liable for some or all transactions that you did not authorise.
To
help safeguard your Card, Pin and/or Password you should always follow these
simple rules:
1. Choose a suitable PIN and/or
Password. Unsuitable PINs or Passwords are likely to include:
o
sequential
numbers (e.g. 3456);
o
number
combinations that may be easily guessed (e.g. 1111);
o
parts
of your telephone number;
o
parts
of numbers in the order in which they are printed on any of your Cards;
o
other
easily accessible personal data (e.g. birth dates, months or years, drivers
licence, or other numbers easily connected with you) as these may be stolen
together with your Card; or
o
family,
pet or street names.
If you are unsure what is a suitable PIN or Password, please check
with your bank.
2. Memorise your PIN or Password. Do
not write it down on Cards or anywhere else.
3. Take care of your Cards. Either
lock them away safely or keep them on you at all times. Take particular care in
crowded places like nightclubs, hotels or restaurants where pickpockets could
be active. When you are using your card, never let it out of your sight.
4. Always sign new Cards as soon as
you receive them.
5. Do not tell anyone else your PIN
or Password or let them have access to your Card (not even the Police, bank
staff or your friends and family). There is no legitimate reason why anyone
would require your PIN. Even during an investigation by bank staff or Police
your PIN is not required.
6. Make sure no-one can see you enter
your PIN at ATMs or when using EFTPOS.
7. You should consider using a
different PIN or Password for different Cards or equipment. For example, don’t
use your Card PIN or Password for your locker or burglar alarm.
8. Always remember to get your Card
back after using it.
9. Tell your bank if you change your
address, so replacement Cards are sent to the correct place.
There
are risks involved if you give your Card details and authorise transactions
before you receive goods or services.
You
are responsible for promptly advising your bank of the loss, theft or unauthorised
use of Cards or disclosure of your PIN or Password as soon as you are aware
that this has happened. If you don't, you may be liable for some or all
transactions that you did not authorise.
For
more information on protecting your Cards, PINs and Passwords, see your bank's
current terms and conditions of use or a copy of the Code of Banking Practice.
The
Code records member banks’ obligations to their customers by recording good
banking practice and promoting good bank/customer relationships and
communication, including the standards agreed for Cards, PINs and Passwords.
Copies
of the Code of Banking Practice are available from all member banks or on
request from the New Zealand Bankers’ Association. The Code is also online at www.nzba.org.nz
ANZ Banking Group (New Zealand) Limited
The Hongkong and Shanghai Banking Corporation
Limited
The National Bank of New Zealand Limited
Please
note that the ANZ Banking Group (New Zealand) Limited and The National Bank of
New Zealand Limited have amalgamated to form ANZ National Bank Limited. This
amalgamated company operates ANZ Bank and The National Bank of New Zealand.