Yes. Our platform uses world-class https encryption; Transport Layer Security (TLS); 2FA, 2-step verification to ensure your transfers are secure; and the security of automatic session logouts. 

To help bolster your own security online, we recommend you ensure to:

  • Manually log out after each session;
  • Never save your login details on a shared computer;
  • Clear cookies after each session;
  • Never share your Internet Banking details.

You can update your personal details using the following methods:

Internet Banking

Access your details from the Top right menu > Settings cog icon > Contact details. From here, you can view and update your details:

• Select Unmask and edit
• Select your security method from the security screen. Click Send security code.
• Enter the code – you will receive a security code, which you can enter in this box.
• Click Confirm code
• Click Edit and update your details as required
• Click Save

For security reasons, mobile numbers and email addresses cannot be updated via Internet Banking.  

Over the phone

Phone us on  to update your details, including your address and work, home and fax phone numbers.

Bank Branch

Visit your local CD Bank branch to update your details, including your address and work, home and fax phone numbers.


Yes. CD Bank requires your Bank ID and password to log in; SMS security to ensure your sessions are secure; and the security of automatic session logouts. Additionally, the app is protected by world-class https encryption.

Internet Banking and the CD Bank mobile app requires all customers to register a unique mobile number – not used by anyone else – for SMS security.

SMS security reduces the risk of fraud through the use of one-time codes being issued to authorise transactions, such as:

  • Transferring money to a new payee or biller (BPAY)
  • Adding a new payee or biller directly to your address book
  • Updating your personal details
  • Registering or logging in to Internet Banking for the first time
  • Resetting your password.

If you already have a unique mobile number linked to your account but it’s not enabled for SMS security, you can register it by calling us on or visiting your local CD Bank branch.

ADIs are banks licensed by the Australian Prudential Regulation Authority (APRA) to lend monies that are guaranteed by federal government to refund the money should the bank default. This means your money is government-guaranteed, giving our members extra peace of mind their money is safe with CD Bank.

CD Bank suggests you change your card PIN anytime you know or suspect it has been used fraudulently. For your own security, keep your card and PIN safe by always keeping your PIN in a secure place; carrying your PIN and card separately; and calling us immediately if your card is lost or stolen. Download our PIN and pass code security guide for more information on how to keep your card, PIN and transactions secure.

For Visa Debit and rediCARD PIN services, call us on or drop into your nearest CD Bank Branch.

For credit cards, phone 00 912 667.

Yes. These transactions work just the same as regular EFTPOS payments, with the convenience of not requiring you to enter your PIN. Digital wallet transactions require various authentication methods to verify your identity before proceeding with payment, and payWave transactions are capped at $100. 

For your own security, we advise you always keep your payWave-enabled card and digital wallet in your possession; never carry your PIN and card together; always verify the amount before, and ask for a receipt after, tapping your payment; and do not allow anyone else to use your digital wallet or payWave-enabled card.

Card clash occurs when two or more less payment methods are stored in close proximity to each other and the wrong card or device is inadvertently charged at payment. This can most commonly occur through tapping your wallet, purse or mobile phone on a card reader that also stores multiple less cards, or by holding your wallet or purse in your hand while paying using your mobile digital wallet.

CD Bank advises to take care when making payWave or digital wallet (Google Pay, Apple Pay, Samsung Pay) payments to ensure no other less card or digital-wallet-enabled device come near the reader.