ANZ - still using text to authenticate transactions???

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lissie

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#305875 10-Jun-2023 13:04

I've had this issue in the past with ANZ visa - I do an "unusual" activity- normally book with a smalelr organization in a country I dont usually spend in - this time it was a tour operator in Iceland. They send a text to my phone to confirm. This is fine when I'm sat at home. It doesn't work if Im travelling as I often don't have my phone/text line turned on.

Every other card I have (ASB, BNZ, Wise) uses their app to confirm the charge - but not ANZ - any clues when they are going to move with the times. I have their app installed but they don't use it for authentications.

I help authors publish their books - DIYPublishing.co.nz

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#3088197 10-Jun-2023 13:08

Have you asked them?

lissie

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#3088207 10-Jun-2023 14:53

allan:

Have you asked them?

Nah don't have 30min to hang on the phone and they don't have an alternative to message them via the app -says it all really

I help authors publish their books - DIYPublishing.co.nz

scuwp

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#3088209 10-Jun-2023 15:40

If it doesn't work for you, change banks.

Lazy is such an ugly word, I prefer to call it selective participation

lissie

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#3088210 10-Jun-2023 15:44

scuwp:

If it doesn't work for you, change banks.

Changing banks is easy. Changing credit cards when your only income is investments and super - not so much - Iwant to get an Amex for the Quantas points (ANZ just dropped them) - but I'm not hopeful that will be improved - they don't care about ability to pay - they care about income - ntot the same thng

I help authors publish their books - DIYPublishing.co.nz

Rushmere

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#3088212 10-Jun-2023 16:01

They're certainly not the only bank left using text messages to authenticate payments.

However, there is a setting in ANZ online banking to temporarily switch this off for times when it isn't going to work:

"You can temporarily switch off this added security feature if you are travelling overseas or visiting an area with poor mobile coverage."

richms

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#3088229 10-Jun-2023 17:27

I get this sometime still with my ASB visa when I use it. they seem to pass their card processing off to some third party that will want to send me a SMS to authenticate transactions. useless when I am in the shed or garage trying to buy something on aliexpress and the phone is in the house since I have no need to have it on me when I am at home.

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Jase2985

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#3088239 10-Jun-2023 18:14

Rushmere:

They're certainly not the only bank left using text messages to authenticate payments.

However, there is a setting in ANZ online banking to temporarily switch this off for times when it isn't going to work:

"You can temporarily switch off this added security feature if you are travelling overseas or visiting an area with poor mobile coverage."

is that avaliable on the App or only online banking?

MyFriendAutism

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#3088240 10-Jun-2023 18:18

Kiwibank still uses this Auth type, pain in the arse.

Stu1

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#3088244 10-Jun-2023 18:40

ANZ still does it it’s random though often have to do it using online shopping at the whare house

Rushmere

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#3088245 10-Jun-2023 18:41

Jase2985:

Rushmere:

They're certainly not the only bank left using text messages to authenticate payments.

However, there is a setting in ANZ online banking to temporarily switch this off for times when it isn't going to work:

"You can temporarily switch off this added security feature if you are travelling overseas or visiting an area with poor mobile coverage."

is that avaliable on the App or only online banking?

It can definitely be set when logged into online banking. I’m not sure if you can do it from the App.

Rushmere

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#3088246 10-Jun-2023 18:48

richms:

I get this sometime still with my ASB visa when I use it. they seem to pass their card processing off to some third party that will want to send me a SMS to authenticate transactions. useless when I am in the shed or garage trying to buy something on aliexpress and the phone is in the house since I have no need to have it on me when I am at home.

If you use an iPhone, you can receive the text message on your Mac, so you don’t actually need your phone. Not sure if the same capability exists on other platforms?

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michaelmurfy

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#3088250 10-Jun-2023 19:00

I think this is something different to what people are thinking called Verified by Visa https://www.visa.co.nz/pay-with-visa/security/secure-online-shopping.html - I’m not sure what other banks do for notifications when a verified by visa 2 factor code is required but AFAIK it’s mainly SMS based still.

But my main card is with ANZ so happy to be proven incorrect here. I have not been challenged on any of my other cards before.

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michaelmurfy

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#3088251 10-Jun-2023 19:01

@Rushmere SMS on iPhone is only on the same wifi network or close to your Mac (pretty sure some black magic goes on here) and if your iPhone gets the SMS in the first place.

Rushmere

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#3088253 10-Jun-2023 19:10

michaelmurfy: @Rushmere SMS on iPhone is only on the same wifi network or close to your Mac (pretty sure some black magic goes on here) and if your iPhone gets the SMS in the first place.

No, you just have to be logged into all of the devices with the same iCloud account (and you have to switch the capability on in the settings for Messages on your iPhone).

rugrat

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#3088261 10-Jun-2023 20:32

I have a third view, from Apple support it is text forwarding from iPhone, I.e the iPhone needs to receive the text message first.

I doubt that ANZ uses iMessage to send authentication code, so phone will need to get message from cell tower, or wi-fi calling if text messaging supported on that.

Both devices need to be connected to internet, doesn’t have to be same wifi etc.

BNZ confirms with a notification from BNZ application on phone which then select and follow prompts.

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