Be careful when opening emails or installing software from unknown senders or locations. If you don't know the sender of the email or the origin of the software / email don't click any links or install any software.

Virgin Money will never send emails to you asking for or to verify your PIN and/or account login and/or account number.

It is important you disregard and report emails which:

• Request any customer information - including your ATM PIN or account details. Therefore, you should not reply to emails that request such information nor click on any links that are in these emails
• Ask you to contact a phone number to verify your card or account details. Always call us on 13 81 51.

For more information about online security, visit the following websites:

• Scamwatch - Australian Competition and Consumer Commission (ACCC) https://www.scamwatch.gov.au/
• High Tech Crime Centre - Australian Federal Police (AFP) https://www.afp.gov.au/what-we-do/crime-types/cyber
• MoneySmart - Australian Securities & Investments Commission (ASIC) https://www.moneysmart.gov.au/scams
• Stay Smart Online https://www.staysmartonline.gov.au/

If you have malware on your computer you may notice unusual icons, extra toolbars or unexpected behaviour whilst using your computer. If you notice any of these things, or anything else unusual, we recommend checking for virus and spyware. Contact your computer or device vendor if you are unsure.

Your password is used to authenticate you when you access any online sessions. You need to ensure you choose a secure password and protect it appropriately.

To ensure you receive the latest security patches and updates, turn on automatic updates for your Operating System (OS) and Browser. If you wish to install the updates manually, please visit the website of your chosen OS or Browser.

If you are accessing a shared computer (e.g. Internet Cafe or Library) make sure nobody watches you enter your personal details, don't save the password on the computer, close all browsers and open a new browser window for your online session and ensure you Log Off and close the browser when you are finished.

You can help protect your computer by installing anti-virus software and ensuring it is regularly updated. Your anti-virus software should be checking for threats like malware, worms and trojan horses. More on financial malware protection software can be found here.

If you are logged into an online session, don't leave your computer or device unattended and ensure you Log Off when you've finished. This will help prevent unauthorised access to your information.

If you are unsure if the site you are accessing is Virgin Money, click the padlock displayed in your address bar and follow the options to view the certificate. The certificate which is displayed should be issued to Virgin Money with a current valid date range.

Always access our website by typing virginmoney.com.au into your browser rather than clicking a link. Virgin Money will never contact you asking for or to verify your PIN and/or account login and/or account number.

If you are logging on to the legitimate Virgin Money website, your padlock will turn green. This indicates that our website is a genuine and secure site. If the padlock is red, it may indicate the site you're accessing is a known fraudulent site.

All online transactions are encrypted using 128 bit SSL encryption. This protects all your personal and sensitive information from being accessed by an unauthorised person.

The computer network is protected by multiple firewalls of different types and all systems are regularly maintained, audited and scrutinised to actively prevent any unauthorised access from the Internet.  Host and network based intrusion detection systems are employed.

All online transactions are encrypted using 128 bit SSL encryption. This protects all your personal and sensitive information from being accessed by an unauthorised person.

As an enhanced security measure, we offer two factor authentication to our customers.

Home Loans customers - who have selected a daily Pay Anyone limit of $5,000 or greater. The Virgin Money Security Token generates an authentication code that continually changes to ensure maximum protection for your online transactions. This can be either via a physical token or a soft token on your smartphone.

Credit Card customers - who want to view detailed account information, make changes to their personal details or perform a transaction through Virgin Money Online are required to enter a One-Time Password (OTP). The OTP is a randomly generated 6 digit PIN which you will be required to enter as a second level of authentication to confirm that the request is authorised by you. The OTP will be delivered to you via SMS to your registered mobile number on our system.