Text messaging changes from 1 July 2026 – New regulations are helping protect Australians from scams. Text messages from Qudos Bank will display the sender ID ‘QudosBank’ or 'Qudos Bank". Learn what’s changing and how to identify trusted messages. Read more.

24/06/2026 — Alert: Fraudulent Rates Website - We are aware of a phishing website (compareaussieratesau.com). Customers are advised not to click suspicious links or enter personal information on unverified sites. 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.

How can we help?