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At Greater Bank we’re always working to keep your money and your identity safe. Our Corporate Risk and Security Department monitors the latest fraud trends and customer accounts looking for potential fraud.

We will never send unsolicited emails or call you requesting passwords, dates of birth, phone numbers, any of your Greater Bank Access, Access Visa Debit or Greater Bank Credit Card numbers, expiry dates or CVV numbers from you. NEVER follow links or instructions in such emails or give details to people claiming to be our staff.

Fraud prevention is a joint effort. Here are some things you can do to help protect yourself against fraud.

Fraud Protection and Security

More than likely you've received suspicious text messages recently alerting you to a voicemail or a package/parcel being delivered. These text messages are always accompanied by a link which is designed to have unsuspecting users install flubot malware on their device.

If flubot malware is installed, the device is infected, and the installed application is able to read and send texts, as well as share phone contact lists. 

How could this affect Greater Bank customers?

It is expected that the next iteration of this scam will be to target mobile banking and banking app customers in Australia. Once malware is installed, the infected device will be able to present users with a screen overlay which may mirror online banking and banking apps, capturing user login details for use by scammers.

What can you do to stay safe?

If you receive suspect text messages with links contained within:

  • Don't click any links in the text or call the number back
  • Report the text to Scamwatch
  • Delete the text
  • Contact an IT professional if you think your phone may be compromised, or is acting strangely.

Have you recently received a suspicious text message alerting you to a voicemail message or a package/parcel waiting to be claimed? This behaviour is being used by scammers currently to try and install malware on unsuspecting users' devices.

If you receive such a text message:

  • Don't click any links in the text or call the number back
  • Report the text to Scamwatch
  • Delete the text
  • Contact an IT professional if you think your phone may be compromised, or is acting strangely.
Remote Access Scam Alert

The ACCC has reported a 184% increase in remote access scams in 2021.

A remote access scam is where a scammer calls a victim and convinces them to permit them access to their internet-connected device. During the call the scammer will also convince the victim to log in to their online banking in order to steal funds.

What to look out for

The scammers most commonly call pretending to be from Telstra, NBN Co, Amazon and eBay.

Scammers will call and they will insist the victim permit them access to their internet-connected device and bank account details by downloading a remote access app onto their device.

They may claim to be helping the victim with their phone or internet connection (they may even falsely claim the service is due to be cut off), or they may claim they have falsely charged their account and are helping obtain a refund.

What to do

To protect yourself and your finances from scammers seeking to access your device remotely you should never allow Teamviewer or Anydesk apps to be downloaded onto your device.

Should you receive a call from a suspected scammer hang up immediately and contact Greater Bank.

If customers devices are suspected of being compromised they need to shut them down immediately and contact Greater Bank Fraud staff through the Contact Centre on 13 13 86. The computer then needs to be professionally inspected and scanned for viruses and cleaned. Internet Banking should be disabled until the computer has been inspected.

If this occurs after hours then contact staff on for assistance.

  • Do not disclose your PIN (Personal Identification Number), password or confidential details to anyone.
  • Do not disclose you're personal or account information over the phone unless you initiated the call.
  • Memorise your PIN. Do not keep it with your card.
  • Report lost or stolen cards, chequebooks or passbooks to Greater Bank immediately on 13 13 86.
  • Always check your statements and report any unauthorised transactions to Greater Bank immediately on 13 13 86.
  • Tell us as soon as possible when you change your address.


  • Ensure that your computer has the latest anti-virus, anti-spy ware software and security patches for its operating system. Update your PC security on a monthly basis.
  • Make sure you destroy or shred correspondence containing personal information.
  • Lock away items that reveal personal details, particularly in share accommodation. Don't unnecessarily carry ID documents such as your passport or birth certificate.
  • Lock your letterbox to help avoid your mail being stolen to obtain your personal details.
  • Read your account statements, mail and bills and look for any irregular activity.
  • Regularly review your credit file to ensure that the information is correct. Ongoing monitoring services may be obtained from credit reporting agencies. Check with them for availability and cost.
  • If you believe you are a victim of identity theft, notify us immediately on 13 13 86 and any other credit providers/financial institutions, police, utility providers and credit reporting agencies. Notify the three main credit reporting agencies, Equifax (formerly VEDA 13 83 32), Illion (formerly Dun & Bradstreet Credit Bureau 13 23 33) or Experian (1300 783 684) and report the possible theft and misuse of your identity to them. Request a copy of your credit file from both agencies and review for fraudulent activity such as payment defaults that you have not incurred, or credit enquiries relating to fraudulent credit applications. Obtain the report again a few months later to further check entries against fraud. Request any information on the file relating to fraud be removed. 

There are many ways credit/debit card fraudsters can take over your accounts.

  • Computer viruses can identify and extract your card details from your PC allowing offenders to shop online with your card details.
  • When your card is used in a skimming device. Skimmers can be fitted to ATMs or Point of Sale devices at any location around the world.
  • Cards can be intercepted in transit whilst being sent to you.
  • When your card is lost or stolen and used by a third party to purchase goods.
  • If a card has been skimmed, offenders may be able to make counterfeits of that card and perform transactions on your account, including withdrawing cash at ATMs.
  • Cover your Personal Identification Number (PIN) when entering it at any ATM.
  • Memorise your Personal Identification Number (PIN). Don't use the same PIN for all your cards, and don't choose your date of birth or other easily identifiable number that might be on something else in your wallet or purse.
  • Check statements and call us if you see anything suspicious.
  • Do not let your credit/debit cards out of your sight at any time. At a restaurant-go with the card.
  • Be even more vigilant when travelling overseas-credit card skimming is an international crime.
  • Always sign your cards in ink as soon as you receive them.
  • Keep track of when new and reissued cards should arrive, and call us if they don't come on time.
  • Make sure your mailbox is secure, and that only you or authorised people have access to it.
  • Tear up all credit card receipts and pre-approved card offers into small pieces or shred them before you throw them away. Keep your billing statements in a safe place.
  • When you use your cards online, make sure you are using a secure website. Look for a small key or lock symbol at the bottom right of your browser’s window.
  • Never give your card number to strangers or telemarketers. Don't give your card number unless you initiated the call.
  • When using contactless cards as with VISA payWave, always remove your card from your wallet before placing against the contactless merchant terminal, and ensure you approve the transaction amount before you present your card.
  • Using contactless cards as with VISA payWave for purchases under $100 can reduce the risk of fraud as the card never leaves your hand during the transaction.

If your card is lost or stolen call Greater Bank on 13 13 86 (call 1300 731 144 outside of business hours). If a Visa card is lost or stolen outside Australia contact the Visa Global Customer Assistance Service (GCAS) pertaining to that country. Visa can generally issue an emergency replacement card within 24 hours.

  • Examine the machine for attachments or evidence of tampering before you insert your card and cover the keypad with your hand when entering your PIN.
  • Be discreet when withdrawing cash at an ATM.
  • If you believe an ATM has been tampered with, DO NOT use it. Advise the nearest Greater Bank branch or call us on 13 13 86.
  • Keep your chequebook in a safe and secure place.
  • Never pre-sign cheques or withdrawal forms.
  • When mailing cheques, cross the cheque 'Not Negotiable' and, where possible, send it in a plain envelope, not a window-faced envelope.
  • Do not use pencil to write your cheques. Use a ballpoint or felt tip pen.
  • If your cheques are lost or stolen call us immediately on 13 13 86.
  • Ensure you have up-to-date anti-virus and personal firewall software installed.
  • Never follow links or open attachments that arrive in unsolicited emails.
  • Take extra care when using a computer in public places and internet cafes. Do not respond if you are prompted to save log-on details.
  • Protect all access methods*. Do not disclose your PIN or personal information to other people.
  • Change your access code frequently and use access codes that are hard to guess.
  • Do not accept links or redirections from other websites or email for the purpose of logging on to Online Banking.
  • Look for the SSL encrypted connection, indicated as https:// and a padlock. Greater Bank's web details will be listed in the 'issued to' section of the digital certificate.
  • Greater Bank will NEVER email you requesting you confirm your log-on details. If you receive such an email please contact us immediately.
  • Greater Bank will NEVER prompt you to enter your 'card' or 'account number' details. If you are prompted to enter such details please contact us immediately.
  • Always log out when you have finished with Online Banking.
  • Do not download any shared files or files from websites you do not trust.
  • Ensure you have the right account information of a person you're trying to pay before confirming payment.

* Access method means any method we make available to users in order for users to give us authority to act on an instruction when using electronic equipment (including computer and telephone) to debit or credit an EFT account. For further information see our Terms and Conditions.

Always be alert to scams. If an offer seems too good to be true it usually is too good to be true.

  • Be aware of scams, such as spam emails, chain letters and people claiming to be representatives of government departments, financial institutions or other businesses.
  • Do not give your name, bank account details, copies of your passport, birth certificate or any other personal details to anyone other than for legitimate purposes.
  • Be suspicious of any emails, letters or phone calls you receive from Australia or overseas saying you have won a prize or asking you to forward sums of money in return for more money.
  • Customers should also be alert to sophisticated investment scams designed to take their retirement savings. Well-organised criminals claiming to be investment brokers generally make contact with victims by phone.
  • For the most up to date information on the latest internet-based scams click here.

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