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.

What is 3D secure?

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Banking and Transfers
FAQs

What is 3D secure, why do I need a one time password to complete my online purchase?

3D Secure is a free service currently facilitated by VISA, MasterCard and Eftpos that lets customers transact online securely using their Debit or Credit Card.

3D Secure deters unauthorised card use and may help to reduce fraud.

It provides added assurance by verifying you while making online payments or purchases by issuing a One Time Password (OTP).

Not all merchants will use this service, it will only be initiated at the time of purchase if the merchant has enabled 3D Secure as part of their online service.

How can we help?