Category: Money Matters
Chapter Select
Sub category: Security
19 January 2023

What to do if there’s something fishy on your bank statement

Banks put in place security measures to prevent dodgy characters getting into your bank account and will monitor to catch any strange activity. However, scammers always look for new, inventive ways to go undetected, so it’s important for you to consistently check your bank statements to make sure there’s nothing unusual going on.

So, how can you go about doing this?


Don’t be short-changed online

It’s a good idea to keep a record of all your online purchases, including photos and descriptions of the things you buy. In particular:

  • Make sure you have an email or bank notification confirmation of your purchase before you close your browser
  • Record all your receipt numbers and reference numbers (at the very least, screen shot it)
  • Check your bank and credit card accounts to make sure you have been charged the right amount
  • Make it a habit to check your transactions weekly to make sure nothing unusual pops up.


What to do if you don’t recognise a transaction?

Check if there was an international transaction fee. Many credit cards charge an additional fee of up to 3.5% that gets added into the transaction.

If there’s still something fishy going on, you can place a temporary lock on your card using the ING mobile banking app or through online banking.


This will give you time to make some inquiries. If everything is in order you can go back to the ING app or online banking to unlock your card. If you’re still concerned please call us immediately on 1800 052 743 (24 hours a day, 7 days a week).

Here are some other reasons you should contact us straight away:

  • You cancelled a regular payment, but were still charged
  • You accidentally sent a payment to the wrong recipient
  • You have not received the items you bought or the items received are not the ones described to you when you purchased it
  • You were charged twice for the same purchase.

Remember, the first thing you should do is to contact your bank. This is because you may have rights to claim or dispute the transaction, provided that you raise the issue within certain timeframes.


Paperless statements

For accounts such as your Orange Everyday, Savings Maximiser, Savings Accelerator and Living Super, you can receive statements in online banking. This means you can securely access up to 7 years of your statements instantly without risk of your mail going missing or being interfered with. Alternatively, visit

For more info on how to stay secure, visit

We're here to help with all of your enquiries.

The information is current as at publication. Any advice on this website does not take into account your objectives, financial situation or needs and you should consider whether it is appropriate for you. Deposit products, savings products, credit card and home loan products are issued by ING, a business name of ING Bank (Australia) Limited ABN 24 000 893 292, AFSL and Australian Credit Licence 229823. Living Super, a sub-plan of OneSuper ABN 43 905 581 638 is issued by Diversa Trustees Limited ABN 49 006 421 638, AFSL 235153 RSE L0000635. The insurance cover offered by Living Super is provided by Metlife Insurance Limited ABN 75 004 274 882, AFSL 238096. ING Insurance is issued by Auto & General Insurance Company Limited (AGIC) ABN 42 111 586 353 AFSL Licence No 285571 as insurer. It is distributed by Auto & General Services Pty Ltd (AGS) ABN 61 003 617 909 AFSL 241411 and by ING as an Authorised Representative AR 1247634 of AGS. All applications for credit are subject to ING's credit approval criteria, and fees and charges apply. You should consider the relevant Product Disclosure Statement, Terms and Conditions, Fees and Limits Schedule, Financial Services Guide, Key Facts Sheet and Credit Guide available at when deciding whether to acquire, or to continue to hold, a product. Before interacting with us via our social media platforms, please take a minute to familiarise yourself with our Social Media User Terms

Related articles

Money Matters