What is two factor authentication?
As the name suggests, you’ll need to provide two factors to prove you're you: something you know and something you have. This process makes it harder for fraudsters to transact on your account.
- Something you know is your password or four digit PIN.
- Something you have will be a one-time PIN that we'll send to your registered mobile number.
How it works
When you’re performing certain transactions or changes within internet banking or our mobile app, a one-time PIN will be sent to your registered New Zealand mobile number by SMS. For example, we might require this to update your personal details, create a payment to a new recipient, change a future dated payment, or create or amend a payment template.
- You'll need to enter the unique one-time PIN to authorise the transaction or change
- The one-time PIN will expire after five minutes. If you enter an expired PIN you'll be prompted with instructions to get another PIN sent to your mobile.