We use a number of security mechanisms to increase your online banking security; and to prevent online identity theft and other threats.
We offer you free antivirus software each year
We are very serious about security — especially when it comes to protecting you while you transact digitally — which is why we offer our private retail customers free antivirus software each year.
The latest software version, Trend Micro Antivirus+ 2018 12.0, is available to all Absa Online and Mobile Banking App customers for download and will be valid for 365 days from the date of activation.
How to register, download and install
On your mobile device, follow these four steps:
- Register for a serial number via the Absa Antivirus Centre
- Download the App from your App Store
- Register for a Trend Micro Account
- Go to Use Activation Code and Enter the Mobile Serial Number you received earlier
We're always a step ahead
Online security mechanisms
We have recently upgraded our digital security and, as a result, you will now verify your transactions using your Absa Banking App. Verification messages will therefore be sent to your Absa Banking App. This will help to prevent SIM-swap fraud.
You need to download the Absa Banking App onto the smartphone or tablet that you wish to use as your verification device. If you have multiple devices only one can be used as a verification device (you will be asked which device you wish to use for verifications).
If you don’t have a smartphone you will continue to use the current verification system (SureCheck). However, we highly recommend you upgrade to a smartphone in order to take advantage of the extra security this upgrade offers.
Stop and Replace Cards
Lost your card? You have complete control you can deactivate your card and order a replacement on the Banking App.
Simply lock and unlock your card on the Banking App. Only your selected card and transaction types will be locked. Functions include, ATM transactions, In-store transactions and Online purchases.
Virtual keypad PIN input
To prevent key-loggers from capturing your information, enter the characters of your password and PIN with the on-screen virtual keypad, rather than typing them out using a keyboard.
SMS alerts of Absa Online logon activity
To ensure that you are kept abreast of all activity on your online banking, every time you logon you will receive an SMS alert, free of charge. In the event that you have not logged on to online banking, you will be able to alert us by calling the Fraud Hotline immediately.
Free antivirus software
All Absa Online customers can download free internet security software.
A personalised welcome message: Absa’s SurePhrase
Once you have set up your personalised welcome message, it will display each time you logon to online banking. This validates that you are on the valid banking website as it cannot be duplicated by fraudsters due to the personal nature of the phrase.
Multiple firewalls to restrict access
Our online banking makes use of multiple firewalls to ensure that only clients with valid access credentials can access the service.
Advanced Encryption Software
We use the most advanced internationally accepted standards of encryption technology. At present, this is 128-bit encryption built into the browsers; therefore, it is always in your best interest to update your browser to the latest released version.
Website timeout and automatic logout
If you have logged into online banking and there is no activity in that session for a period of six minutes, you will be automatically logged out.
3-password failure resulting in account suspension
If the incorrect PIN or password is entered three times consecutively, the online banking service will be temporarily suspended. You can either visit an Absa branch or reset your PIN and password online.
We all love the convenience of shopping online, but are concerned about the risks that may be involved. This is why technology, such as 3D Secure, has been designed to protect you while you shop.
3D Secure protects you, the cardholder, and the merchant by verifying your personal details during an online purchase, before the transaction is processed. It ensures an additional level of protection when shopping online. This service is now enhanced with one-time PIN (OTP) instead of a static username and password.
What does OTP mean for you?
Buying online is safer than you think with OTP. It’s designed to give your Absa Card an extra level of protection against unauthorised use when shopping online. You will now receive an OTP via SMS every time you make a purchase, and this password will only be valid for that transaction.
Where can I find more information about 3D Secure?
If you have any queries or questions about 3D Secure or need technical assistance, you can contact the 3D Secure Call Centre.
Absa Online customers have the option of making an immediate interbank payment (IIP), to accounts at other financial institutions.
These payments attract an additional fee, but eliminate the normal waiting period of two (2) days when a payment is made to somebody holding an account at a financial institution other than Absa. In the event of an IIP, the beneficiary has immediate access to the money and, therefore, the payment cannot be reversed.
These immediate payments may be delayed where such a measure is deemed necessary to prevent fraud. This is for the protection of our customers.
You will receive two SMS messages: one to let you know when the IIP transaction is created and one to inform you when the transaction has been processed.
When you enter an incorrect access account number or PIN on the Absa Online logon page, you will be taken to the original logon details screen, but with an added safety measure: the CAPTCHA (Completely Automated Public Turing test to tell Computers and Humans Apart). You will be asked to repeat a code displayed in a grey box underneath your normal logon details.
This is to ensure that it is you who are trying to access Absa Online Banking and that it is not a computer-generated attempt.
Essentially, a chip-and-PIN card is a debit, cheque or credit card that is issued with a microchip that contains information about you and your account — and is virtually impossible to counterfeit. The chip is embedded into the card, and there is a micro-strip on the back. Coupled with this chip, your unique and personally chosen PIN adds an additional layer of safety — because your card cannot be used without this PIN.
You have three (3) chances to correctly enter your PIN to verify your transaction. After the third attempt, your card will be locked as a security measure, and you will need to go to a branch to reset it.
Don’t worry when your card goes into the ATM card slot slowly. This is a precautionary measure that stops fraudsters from inserting other objects into the ATM slot. Absa uses a unique anti card skimming software called Jitter, which sends a disrupted signal to any illegal skimming device, which prohibits the copying of data from banking cards and makes skimming impossible.
Why voice biometrics?
While knowledge-based identification, such as personal identification numbers and security questions can be compromised when you share these with somebody, nobody can copy your voice. That is why we are implementing voice biometrics in our telephonic dealings with customers.
We will be implementing DebiCheck — a new debit order verification process that gives you control of your debit orders. DebiCheck will allow you to verify your debit order information and electronically confirm this with us. This means that you will be assured that when you authenticate a debit order, you have signed up for it, approved it and know exactly how much will be debited against your account on a specified date.
DebiCheck will be implemented in phases. Currently in pilot phase, it tests low volumes and limited users, to be followed by a ramp-up period commencing in 2018.
We would like to stress that for now, no action is required from companies and consumers who are not participating in the pilot. Standard EFT debit orders will continue to be processed as is, and the new solutions may be used more broadly in time.
To help you understand DebiCheck, you can view the DebiCheck FAQs or click here to read the Terms and Conditions. Further information will be available through Absa’s communication channels. For more information you can visit PASA’s DebiCheck website or contact the call centre on 08600 08600 and select Option 2.