Security & Scams

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

Contact us

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.

Scams and Cryptocurrency Security

Scam Awareness

Cairns Bank is committed to helping you recognise the warning signs, protect your accounts, and stay informed about the latest scam trends.

Learn more
  • How to identify a scam
  • How to protect yourself
  • Types of scams
  • What to do if you’ve been scammed

Crypto Payments

As cryptocurrency use grows in Australia, scams targeting digital asset transactions are on the rise. We’re here to help protect you and your money.

Learn more
  • How we can protect you
  • Making Payments
  • Receiving Payments
  • FAQ’s

Your Security, Our Priority

At Cairns Bank, keeping your money and personal information safe is our top priority. Here are some key ways we protect you and how you can stay secure:

Create a Strong Password

When choosing a password for your internet banking, we recommend that you:

  • Use a combination of uppercase and lowercase letters and numbers.
  • Avoid using personal information such as your name, date of birth, phone number or address.
  • Choose a password that is unique to your Cairns Bank internet banking and not used for other websites or services.
  • Consider using a passphrase made up of several unrelated words that is easy for you to remember but difficult for others to guess.

 

Keep Your Login Details Private

To help keep your accounts secure:

  • Never share your internet banking password or One-Time Password (OTP).
  • Cairns Bank and our Financial Bureau, Indue, will never contact you to ask for your internet banking password.
  • Be cautious of emails, phone calls or text messages claiming to be Cairns Bank and requesting this information.
  • Do not save your password in a way that others can easily access.
  • Take extra care when accessing internet banking on shared or public devices.

 

SMS One-Time Password (OTP)

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 the One-Time Password SMS code. There may have been a temporary issue.<br>

Still having trouble?

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

Think Before You Click!

Scammers are getting smarter every day, but you can stay one step ahead. Always take a moment to Stop, Check, Protect before sharing personal details, clicking links, or transferring money. If something feels off, trust your instincts and verify it first – it could save you from a scam.

Learn More

How We Help Protect You

Monitoring for Suspicious Activity

We actively monitor transactions for unusual or suspicious activity. If something doesn’t look right, we may contact you to verify the transaction and help protect your account.

Protect Yourself Online

In addition to keeping your login details secure, it’s important to stay alert to common online scams and fraud attempts:

  • Always access internet banking via the official Cairns Bank website.
  • Be cautious of phishing emails, unexpected text messages and suspicious links.
  • Never provide personal or banking information through unsolicited communications.
  • Keep your devices and web browsers up to date with the latest security updates.

Regularly Review Your Security

Taking quick action is essential to help protect your accounts and reduce the risk of fraud.

For added protection:

  • Keep your contact details up to date so you can receive important security alerts and notifications without delay.
  • Regularly monitor your accounts and report any unusual or unauthorised transactions immediately.

If you suspect your internet banking login details may have been compromised, contact Cairns Bank immediately.

By contacting us straight away, we can take urgent steps to secure your accounts, review for suspicious activity, and guide you through the safest way to regain secure access.

Learn More

For tips on staying safe online, visit ASIC Moneysmart.