Your Security

EFTPOS Terminal Manipulation Fraud

Terminal Manipulation Fraud is a form of card skimming whereby an EFTPOS terminal is compromised by criminals to record card data and PIN numbers. This information is later used to commit fraud on accounts linked to these access cards.

What has happened so far?
The first instances of terminal manipulation were identified in October 2009 in WA. In some cases terminals were removed from merchant outlets and replaced with compromised ones. In other cases the terminals had skimming devices inserted when still in the store. Since this time, a large number of further instances have been identified across Australia. It’s estimated that losses from this fraud already exceed $5 million.

What’s being done to combat it?
Acquirers are working closely with their merchants to ensure their EFTPOS terminals are secure and compliant to industry and scheme standards. This includes full audits of their terminal fleets, physically securing terminals and ensuring staff are adequately trained in respect to terminal security. This is considered a priority for the industry.

What can you do?
Some useful tips you can follow to minimise your exposure to Terminal Manipulation Fraud:

regularly change your PIN
following an EFTPOS transaction, check store receipts for any irregularities - i.e. the store name, details, and location should all match the store from which you made your purchase
regularly check your account statements
be aware of the amount of funds you have in your account
do not write your PIN anywhere
cover your PIN when entering it into a terminal
where possible and if it is available to you, use chip technology, and
if you have concerns contact SERVICE ONE immediately.

Security - keep up to date

Scammers consistently change their tactics, and it is important for you to be aware of the most recent scams (including 'vishing' scams, providing insight on the various tactics that are being adopted. SCAMwatch Radar can provide you with information on recent scams and it is regularly updated by the Australian Competition & Consumer Commission (ACCC). Find out more about the most recent scams on SCAMwatch Radar.

Our commitment to your security and privacy

At SERVICE ONE Members Banking (SERVICE ONE), we take the protection and security of your information, transaction data and privacy seriously. SERVICE ONE employs various security measures to ensure that your transactions and personal information are protected, so you can enjoy a convenient and secure banking experience with us.

Our online security practices

SERVICE ONE employs a range of security measures to assist in protecting your personal account information. These measures include (but are not limited to) data encryption and firewalls. The firewall, together with encryption technology, helps to provide some of the best security available to keep your Access Code, account details and other sensitive information, including any messages sent via eLink protected. Learn more about SERVICE ONE online security practices.

Our communication practices

SERVICE ONE communication practices are based on our commitment to bring you professional, friendly, high quality and confidential service - at all times remaining compliant with all communication legislation and relevant codes of practice. We will never ask for your password or account details to be disclosed via a link within an email message, or request information over an unsolicited phone call. If you receive an email or phone call of this nature, please disregard them, and notify us on 1300 361 761 immediately. Learn more about SERVICE ONE communication practices.

Tips and hints for banking security

You can also play a big part in protecting your own banking and personal information. To help you, we have provided a number of tips and hints covering off different areas of banking access channels.

Online security

The Internet is a vast, largely unregulated, network of computers that spans the world. The security of your personal information and online transactions is therefore of paramount importance. Learn more about online security.

When shopping online, it's important to take precautions to minimise the threat of unauthorised access to your personal and banking information. Read our tips for secure online shopping.

Card security

Many of us use cards to access our money. The added convenience of accessing your money with cards does bring with it risks, as cardholders can be the victims of fraud. There are several steps we can all take to help minimise the threat of fraud. Learn more about card security.

Phone security

Phone scams can include phone calls to you claiming to be from your bank or financial institution. The scammer will usually tell you that your credit card or account has been cancelled because it was involved in criminal activity, or because they suspect your card or details have been stolen. This can be a trick to get you to give them your account details. Learn more about phone security.

Further information about banking security is available from the following websites:

FIDO

FIDO is the consumer website of the Australian Securities and Investments Commission (ASIC), providing helpful information to keep you updated. Learn about such topics as Internet security and hoax emails. View the FIDO website.

SCAMwatch

SCAMwatch is a website run by the ACCC. The aim of SCAMwatch is to provide information to consumers and small business about how to recognise, avoid and report scams. View the SCAMwatch website.

Protect your financial ID

This website has been developed by the Australian Bankers’ Association, the Australian High Tech Crime Centre and ASIC to provide information on personal financial identity protection. View the Protect Your Financial ID website.

For more information on banking security, you can contact us by:

phoning the Telephone Response Centre on 1300 361 761 during business hours
emailing This e-mail address is being protected from spam bots, you need JavaScript enabled to view it , or
visiting any SERVICE ONE Branch.

Online Services

Fraud Awareness

Stay alert and secure and combat the latest terminal manipulation fraud threat. More info...

I want to...

Calculators

Any advice provided on this website did not take into consideration the circumstances and needs of any individual. If any advice provided on this website offers you a financial product regulated by the Financial Services Reform Act 2001, you must first consider our Financial Services Guide and the Product Disclosure Statement for the product in light of your own circumstances and needs before acquiring the product.

© SERVICE ONE Members Banking operated by Service One Credit Union Ltd
ABN 42 095 848 598 | AFS Licence No 240836 | BSB 801 009