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Tips for secure searching, saving and spending
From finding new ways to save, to shopping in the comfort of your home, your device is the gateway to an exciting and convenient marketplace. There are simple steps you can take, and digital features at your fingertips, to keep scammers out of your way.
Four ways to outsmart the scammers online
Whether you’re doing your research or signing up to a new bank account online, make sure you always:
 | 1. Know your networkWhen you’re online, you’re transmitting your data. That’s why it’s important to make sure the network and connection you’re using is secure and trusted. Public Wi-Fi is vulnerable to hackers, because it is often unencrypted, making your data easier to intercept. |
 | 2. Surf securelyLook for ‘https’ and the lock symbol in the address bar on your web browser. The ‘s’ in ‘https’ means ‘secure,’ meaning websites with just ‘http’ in the address are more vulnerable to security breaches. Keep in mind ‘https’ isn’t a guarantee that the site is scammer-free, but it does generally signal a safer browsing experience. |
 | 3. Forget the fakesScammers often mimic the websites of reputable brands and institutions to capture your attention. Telltale signs of spoof sites include unusual payment methods, urgent messages, poor grammar or lack of legitimate contact information. |
 | 4. Shop a bargain, not a bluffWherever you’re searching, if an offer or a promise seems too good to be true – it probably is. This might include designer goods at extraordinarily low prices, or investment returns well above the market rate. Remember, the nature of the bargain can also be a red flag too – such as offers that appear out of the blue. |
Encrypted versus unencrypted: an explainer
Encrypted connections protect your data by scrambling it, helping ensure only authorised people can access it. An unencrypted connection transmits information in a readable format, meaning anyone with the right tools can intercept and view it.
Device security: four ways to double down
There are a variety of ways to both keep your device secure and use its features to protect your information and your money. Here are four key considerations:
 | 1. Don’t wait, always updateSoftware updates on your device will often include important security improvements. Keep yours up to date to ensure your operating system is as safe as it can be. |
 | 2. Password protectionMake sure you use unique passwords for each of your accounts, to ensure that if one of your accounts experiences a data breach, the others are not immediately compromised too. Guidance on how to create a strong password is always evolving, you can keep yourself informed by regularly searching for updates from Australian government agencies, such as the Australian Signals Directorate. Remember, legitimate Australian government sites will always end in .gov.au. |
 | 3. Maximise your security with multi-factor authentication (MFA)Wherever possible, use MFA. If your details are compromised online, this additional layer of protection makes it harder for cybercriminals to get access to your accounts. |
 | 4. Secure your settingsMake sure you’re aware of, and comfortable with, the settings on your device. This includes checking if you’re sharing your location. |
Are you using our security features?
If you’re a Macquarie customer, you can use purpose-built technology to protect your banking. This includes:
- Macquarie Authenticator: Our purpose-built multi-factor authentication app provides real-time detailed alerts for payments and important account changes through push notifications. So unlike SMS, you can see exactly what you’re approving or denying, such as who you’re paying, from which account, and how much.
- Macquarie Password Monitor: This security feature helps protect your login credentials by monitoring the internet for signs of compromise. If a potential breach is detected, we’ll lock access to your online and mobile banking and notify you immediately.
Your resources
The Australian Government Has a range of resources that help you protect yourself online, including securing your accounts, devices and email.
Macquarie’s security hub Includes our insights, tips and knowledge to help you stay one step ahead.
Additional Information
The information in this article was finalised on 13 May 2025.
This article was prepared by Macquarie Bank Limited ABN 46 008 583 542 AFSL and Australian Credit Licence 237502 and doesn’t take into account your objectives, financial situation or needs – consider if right for you. The information provided is informed by sources including the Australian government and its agencies.