FAQs - Security | Rabobank AU
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FAQs - Security

Contactless Limit Increase - What is happening?

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The payments industry will be temporarily increasing the contactless card PIN limit from $100 to $200 to help reduce the risk of COVID-19 transmission by reducing physical contact with the payment terminal.


When is the contactless limit increase happening?

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The new $200 limit will be progressively introduced across certain retailers starting in early April 2020.


Why is the contactless limit being increased?

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The increase in the contactless limit is consistent with similar increases implemented or under consideration in other countries in response to COVID-19. Increasing the limit to $200 means that fewer people will need to touch the payment terminal when paying for purchases up to $200.


How do I know when I can use the new $200 limit?

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The new temporary limit is being rolled-out progressively and will be available at certain retailers. You can ask the retailer whether the new limit is available and will also know at the time of payment by the PIN pad prompts.

If the new limit has been introduced at the retailer, you will be prompted to tap your card for purchases up to $200, and NO PIN will be required. If the new limit is not available at a certain retailer, you will still be prompted to enter your PIN for purchases over $100.

At all times, follow the PIN pad prompts.


Is the increase to the contactless limit likely to become permanent?

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The new $200 limit is a temporary measure in response to COVID-19. It is expected the limit will remain in place for a period of time and may be extended if necessary, based on Government advice.


What about security for the contactless limit increase?

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We will continue to monitor your account through our fraud systems and alerts. It is vital that you continue to keep your card safe at all times to protect against theft and check your account often. If you lose your card or have any concerns about unauthorised transactions on your account, please contact Client Services Monday – Friday 8am - 6pm (Sydney time) on 1800 025 484.


Can I share my Internet Banking Login and Passcode details with a third party?

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You must not share or disclose your Username, PIN, Mobile Device, Token or Token Code with a third party. Do not provide remote access to your computer while you are logged into internet banking. You may be held liable for any transactions that occur on your account as a result of sharing your Login information.

When does the 3D Secure 2.0 change occur?

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On 15 April 2020, the 3D Secure 2.0 security protocol will come into effect.


What is 3D Secure 2.0?

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3D Secure 2.0 is an enhanced protocol (a set of rules), that improves on the previously utilised 3D Secure 1.0 (also known as Verified by Visa). This protocol provides additional protection for both merchants and debit card customers when payments and purchases are made online.


Why is 3D Secure 2.0 utilised?

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The prevention of online fraud is of the upmost priority to visa, its merchants, clients and providers. This protocol is used to authenticate cardholder transactions during online payment processing, similar to entering a PIN for an ATM or EFTPOS transaction.


What does the 3D mean in 3D Secure 2.0?

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The concept of the protocol is to tie the in-person financial authorisation process with an online authentication. This authentication is based on a three domain model (hence the 3D in the name). The three domains are: (1) Acquirer Domain - the merchant and the bank to which money is being paid, (2) Issuer Domain - the bank who issued the card being used (3) Interoperability Domain - the infrastructure provided by the debit or credit card scheme to support the 3D Secure protocol.


How does 3D Secure 2.0 work?

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A transaction using 3D Secure 2.0 will initiate a redirect to the website of the card issuing bank to authorize the transaction. A password-based authorisation is then required. This means that for some online purchases, our clients will receive a unique code / password to their registered mobile phone, which is then required to be entered into the Merchant website to authenticate the transaction.


My transaction requires authorisation when I attempt to make a purchase?

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You will be redirected to a Visa / Rabobank transaction authorisation screen, where you will be required to enter the code that would have been sent to your registered mobile device.


I am not sure whether Rabobank has my correct or new mobile number?

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Please call Rabobank Monday - Friday 8am - 6pm (Sydney time) on 1800 025 484. We will make sure your mobile number gets registered so that you are advised on your next online debit card purchase.


I have no mobile phone number?

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Please call Rabobank Monday - Friday 8am - 6pm (Sydney time) on 1800 025 484. We will advise you on your next online debit card purchase.


The online purchase was not undertaken by me?

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As the user will be unable to authorise the transaction via the new protocol, the transaction will be declined.


When will I be asked or prompted to authorise a transaction?

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This will only happen if you purchase something online and the 3D Secure 2.0 security considers your transaction inconsistent or suspicious.


Why was my card and mobile number enrolled? I didn’t ask for it?

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Visa has introduced 3D Secure 2.0 to help reduce online fraud. In return, they require all financial institutions to support the security for the mutual benefit of all stakeholders, especially card holders.


Will it cost me anything (extra) to have my online purchases be protected through Visa 3D Secure 2.0?

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No. All Visa Debit Card holders with Rabobank will be enrolled in this security upgrade free of charge.


What kind of authorisation may I be asked for when purchasing online?

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You will be sent a 6 digit code to your mobile device that you will need to use to authorise the transaction.


Why is my online transaction declined and what do I do?

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The Visa 3D Secure 2.0 might have deemed your transaction as inconsistent and has prompted you to authorise the transaction. If the authorisation fails, the transaction will be declined.

Also if your mobile number is not registered with Rabobank, your online transaction will be automatically declined.

Please call Rabobank Monday - Friday 8am - 6pm (Sydney time) on 1800 025 484. We will assist to get this transaction authorised and also we will make sure your mobile number gets registered so that you are advised on your next online debit card purchase.

If you call us out of hours, you will be redirected to Orion who can assist to get this transaction authorised. You will still need to call Rabobank during business hours to make sure that your mobile number gets registered so that you are advised on the next online debit card purchase.


Do I need anti-virus software and a firewall to protect my computer from cyber threats while using internet banking?

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Yes, it is strongly recommended your computer has anti-virus software and a firewall installed, as this provides a layered approach that offers the best online protection.


How can I check when I last logged into Internet Banking?

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Each time you log into internet banking you will be presented with a Welcome back message, which includes the last date and time you accessed the system. After logging into internet banking it is always a good idea to check your most recent transactions.

How can I update my internet browser?

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Using an outdated browser may compromise your data security. We recommend you regularly update your browser to the latest version.

To help you upgrade more easily, below are links to the most commonly used browsers where you can upgrade your software.

If you would like further information please contact Client Services on 1800 025 484

●  Chrome

●  Firefox

●  Safari

●  Internet Explorer

●  Edge

How do I know if I am accessing the Rabobank secure site?

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Always check for the padlock symbol in the address bar when you access internet banking, this confirms that you are using a secure site.

Is it safe to use free wifi or public computers to access internet banking?

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Avoid using free wifi or public computers to access internet banking, as they do not provide a secure internet environment. Try to stick to computers you own or control in order to protect your internet security.

What else can I do to secure my computer from cyber threats?

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Make sure you turn on automatic updates for the operating system, software and apps on your computer, this will ensure that you are able to access the latest security features. Always make regular back-ups, so that you can recover your data if your files are damaged or deleted.

What is the best way to access my internet banking?

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Never follow links to reach internet banking. Type www.rabobank.com.au into the address bar of your browser or save the URL into your browser favourites, This way you can be sure that you are accessing our secure site.

What should I do when I have finished using internet banking?

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Always make sure that you securely logout of internet banking by pressing the logout button, never walk away from your computer while you are logged into internet banking.

Who can I contact if I have a security problem with internet banking?

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If you have a security issue with Rabobank internet banking you can call our Internet Banking InfoLine on 1800 640 442 (between 8am and 6pm Monday to Friday, Sydney time).
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