Mon - Fri: 8:00am - 7:00pm (AEST)
Keeping your money and personal information safe is our highest priority. That’s why we have a dedicated fraud monitoring service, known as Vigil, operating 24/7 to actively review card transactions and look for anything out of the ordinary.
If a transaction appears unusual or doesn’t match your typical spending pattern, you may receive a text message or phone call from Vigil, our partnered fraud monitoring team, to confirm the activity.
What to expect:
We will never:
If Vigil is unable to confirm a suspicious transaction, your card may be temporarily paused as a precaution. This is to prevent further unauthorised/suspicious activity.
SMS Templates to expect
SMS for a declined attempt – please retry
An SMS will be sent to members who have had their card restricted due to a declined transaction and card cleared to use again.
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“Your card/account was recently restricted due to an attempted transaction for $XX.XX at HH:MM AEST/AEDT. We have reviewed the transaction and removed the restriction. Please contact us if you are unaware of this transaction. Unity_GCMB Fraud Department” |
SMS for Osko held payments
Members will be advised their Osko transfer is being held via an SMS
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“Your payment of AUD $XX.XX at 10:08 AM AEDT/AEST to Test from your account ending 5501 has been placed on hold. Please call Unity_GCMB Fraud Department on 1300 705 750 within 24 hours to discuss the payment” |
SMS for cards transactions
Members will receive an SMS for low to medium risk cards transactions, requesting a ‘Yes’ or ‘No’ response as confirmation.
Approved Transaction
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“A transaction has been approved for AUD $XX.XX at 9:45 PM AEDT/AEST at merchant DMART on your card ending 5429. Please confirm if you made this transaction by replying ‘yes’, else reply ‘no’. Alternatively, call Unity_GCMB Fraud Department on 1300 705 750” |
Declined Transaction
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“Restrictions have been placed on your card ending 5429 and declined the transaction of AUD $XX.XX at 11:53 AM AEDT/AEST at merchant DMART. Please confirm if you made this transaction by replying ‘yes’, else reply ‘no’. Alternatively, call Unity_GCMB Fraud Department on 1300 705 750” |
OTP SMS for 3D-Secure authentication
When prompted by a secure checkout in an online browser, members will receive the below SMS with the One Time Password to complete authentication.
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Unity_GCMB: “Do not share this code with anyone under any circumstance including your financial institution. Your confidential One Time Password is XXXXXX” |
SMS for BIN attacks
Members will receive an SMS for approved transactions resulting from possible fraudulent activity.
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“Suspected fraudulent transaction of $XX.XX with MERCHANT NAME has been detected on your card ending XXXX. Please respond 'CANCEL' if you would like us to cancel your card and re-issue a new card to your address. If you choose this option your current card will be cancelled and a new card will generally be issued in 5-7 business days. Please make sure your address is up to date. Unity_GCMB Fraud Department” |
SMS for a member to contact our Fraud Department
Members may receive SMS when there is no option to leave a voicemail or it is outside of calling hours (after 10pm, before 7am)
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“Please contact Unity_GCMB Fraud Department on 1300 705 750 and press option 3, to confirm CARD/NPP transactions. Do not reply.” |
We understand that fraud can be stressful. Our team is here to act quickly and support you so you can bank with confidence knowing your accounts are being monitored around the clock.
For more information on other fraud monitoring practices and how we’re working to keep members safe, please visit our Security page.
Have questions or want to verify a message?
Please contact us directly via our Contact Us page.
