Sunday 26 July 2026 - Planned Maintenance: On Sunday 26 July 2026, from 12:30am – 6:30am we will be undertaking important maintenance to our digital banking services . During this time some services may be affected. 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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