Security & Scams

Security is a core priority for us. If you have any concerns around security or scams get in touch straight away.

We’re here to help ​

If you’re concerned that you’re a victim of a scam or security breach, get in touch immediately.

Step 1

Call us on (07) 4047 6900 or if the concern is related to your Visa Debit card after hours you can call the Visa Card 24 Hour Emergency Hotline on 1800 621 199.

Step 2

We can put a hold on your cards and help you update online passwords.

Step 3

If you suspect identify theft, get in touch with the police.

Internet banking security

To protect your banking, Cairns Bank has mandatory two-factor authentication for key actions in online banking.

You’ll get a one-time password via SMS to your nominated contact number to verify your identity whenever you do any of the following:

  • Pay a new payee (any type of BPAY or external transfer)
  • Create a new SAVED payee
  • Update an existing SAVED payee
  • Change your address or contact number
  • Change your internet banking password
  • Make an international transfer

Not getting your SMS notification?

Verify your mobile number

  • Double-check the mobile number you have registered as your contact.


Check your mobile signal

  • Ensure your mobile phone has a strong network signal. Weak signals can delay or block SMS delivery. 


Try resending the code

  • Resend ther One-Time Password SMS code. There may have been a temporary issue.


Still having trouble?

We are here to help, please contact our friendly team for further assistance.

Scams ​

There is an increase in online scams targeting bank customers, and we want to ensure your safety and security.

How to identify a scam

Phishing emails

Be cautious of emails claiming to be from the bank, especially if they ask for personal information or direct you to click on suspicious links.

Fake websites

Double-check the website URL before entering any login details. Scammers often create fake sites that look like the bank’s official page to trick users.

Unexpected calls

The bank will never call you to ask for sensitive information such as passwords or PINs. If you receive an unexpected call requesting this, it’s likely a scam.

Urgent threats

Scammers may create a sense of urgency, claiming your account is at risk and pressuring you to act quickly. Take your time and verify the information independently.

Protect yourself

  • Verify communications: If in doubt, contact the bank directly using official contact information. Do not use contact details provided in suspicious emails or messages.
  • Use secure websites: Always ensure that the website you are on has “https://” in the URL, indicating a secure connection. Look for the padlock icon in the address bar.
  • Update passwords: Regularly update your online banking passwords and avoid using easily guessable information.
  • Stay informed: Be aware of common scams and stay informed about the latest security threats. Knowledge is your best defence.

Your security is our top priority. If you ever feel unsure or suspect any fraudulent activity, please reach out to our team immediately.