Interest rate Increase –  Wednesday 18 March 2026: Following the RBA’s decision to change the official cash rate, interest rates for owner‑occupier and investor variable loans will increase by 0.25%, effective 1 April 2026.  Find out more.

Planned Maintenance - Digital Banking Services - Sunday 22 March 2026 - Find out more.

How 3D secure works

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Banking and Transfers
FAQs

How does 3D secure work?

  1. You proceed to make an online purchase
  2. The merchant initiates 3D secure authentication
  3. 3D Secure runs an ID check
  4. Further validation may be requested or your transaction will proceed
  5. Where further validation is required, you might receive a One Time Password to your Qudos Bank registered mobile number.
  6. Your transaction should then be approved or declined based on the entry of the password.

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