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Understanding NetGuard

NetGuard is an additional layer of security that works alongside your access number and password to make sure you are extra secure when you do your internet and mobile banking.

NetGuard for personal customers

NetGuard card

Your NetGuard card has a unique serial number and grid of numbers and letters. You’ll be prompted to enter three randomly-selected co-ordinates from your NetGuard card. Only your own NetGuard card can provide the correct answers.

You can choose to log into Internet Banking using your NetGuard card each time, or without it. Find out more about turning off NetGuard at login.

NetGuard token for business customers

ib4b blue netguard token

After registering for Internet Banking for Business (IB4B) or Client Fund Services (CFS), you’ll be sent a small digital NetGuard token. After activating it and setting a PIN, the token generates a unique code each time you log in. 

Protecting you from fraud

We’ll reimburse NetGuard users who are genuine victims of internet banking or mobile banking fraud. You still need to take some common sense steps when you’re using internet banking or mobile banking, and these are outlined in our Terms and Conditions.