SMS Security for Internet Banking
How do I register for SMS Security?
To register your mobile number for SMS Security:
- Call the Member Contact Centre on 1300 654 822.
- Visit our branches at 117 Camberwell Road, Hawthorn East or 687 Mt Alexander Road, Moonee Ponds during business hours.
How does SMS Security work?
Once you have registered, Bank First will send a 'one time password' to your mobile phone. Simply enter the one time password within Internet Banking to complete your transaction.
How does SMS Security protect me?
SMS Security requires an extra device (your mobile phone) to complete your authentication process. Adding a second factor (your mobile phone) as a requirement for authentication increases security well beyond the traditional login password approach because it requires the criminal to gain possession of both the password and your mobile phone to commit fraud.
When does the 'one time password' expire?
The 'one time password' can be used for only one authentication process. This password will not be accepted on second or following attempts. The 'one time password' will expire if you close or cancel the transaction or the Internet Banking session.
I do a lot of travelling, or find it difficult to get mobile coverage. How can I use SMS Security?
While in a mobile coverage area, you can add the payee or BPAY Biller prior to travelling. A 'one time password' is required to add a new payee and a new BPAY Biller, but future payments to these payees and BPAY Billers will not require an SMS. You can also contact our Member Contact Centre on 1300 654 822 to activate a funds transfer password for a limited time while you are travelling. This will allow you to add new payee or BPAY Biller.
Will I be charged for using SMS Security?
No. Bank First is providing the service free of charge. You should check with your mobile phone provider to confirm whether or not you would be charged for receiving SMS, particularly when overseas.
I'm registered for Funds Transfer Password. Do I also need to register for SMS Security?
You don't need to register for SMS Security if you are registered for Funds Transfer Password however Bank First recommends SMS Security for all Internet Banking users. SMS Security will provide you with a stronger authentication and more peace of mind. Your Funds Transfer Password will be disabled when you login for the first time after this functionality is available.
Can I add a new payee or new BPAY Biller using SMS Security while overseas?
Yes, you can send and receive SMS while overseas if your handset and SIM card allow global roaming and the country you are in operates via a compatible network. Please check with your mobile phone provider.
Can I use my international mobile number or international telecommunication service with SMS Security?
No. You will not be able to receive a 'one time password' when using an international mobile number. You can receive SMS while overseas if your handset and SIM card allow global roaming and the country you are in operates via a compatible network. Please check with your mobile phone provider.
My partner and I use only one mobile phone between us. Can we still use SMS Security?
Yes, you will still be able to use SMS security, however we would recommend you to contact Member Contact Centre on 1300 654 822 to discuss alternative security options.
I am registered for SMS Security but I don't have my mobile phone with me or I can't receive an SMS message. What can I do?
You can contact the Member Contact Centre on 1300 654 822 during business hours to to change your mobile number.
Can I change the mobile phone number that I have registered for receiving SMS messages?
You can contact the Member Contact Centre on 1300 654 822 to change your mobile number or you can update it yourself if both the new and existing mobile numbers are active.
I have just received an SMS however I am not logged into Internet Banking.
It may be that somebody else is attempting to access your Internet Banking profile. You should contact the Member Contact Centre on 1300 654 822 immediately.
I have not received the SMS Security confirmation message what do I do?
If you haven't received confirmation by SMS please call the Member Contact Centre on 1300 654 822.
What if SMS Security is not suitable to me (i.e. I don't own a mobile phone)?
If you think that our SMS Security Service may not be completely suitable for your situation (for example, you don't own a mobile phone, live in an area without mobile coverage, or you experience accessibility problems), please call our Member Contact Centre on 1300 654 822 during business hours to activate a funds transfer password.
Can I have separate mobile numbers for SMS Alerts & SMS Security?
No. Members can register only one mobile phone number for all SMS Services.
Is SMS Security compulsory?
No. SMS security is not compulsory for Members, however Bank First recommends SMS Security to all Internet Banking users. SMS Security will provide you with stronger authentication and more peace of mind. If you chose not to have SMS Security you will be issued a funds transfer password.