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What does Verified by Visa mean?

Visa Secure, formerly Verified by Visa, protects your Visa card from fraud when you shop online.

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Verified by Visa (or VbV/VBV) is an online security measure for Visa debit and credit cards that now goes by the name of Visa Secure, though it's the same feature. It's designed to protect your card from fraud when shopping online. Here's everything you need to know.

How does Visa Secure (or Verified by Visa) work?

Visa Secure is an extra layer of security applied to some online transactions made using your Visa debit or credit card. You will see the Visa Secure logo for any transactions that use this service. This security check happens on every Visa Secure purchase, but you will only occasionally need to manually enter information to complete it.

The most common check is a one-time password sent to your mobile phone or email address. But it could involve other personal identifying information, such as a security question or a biometric check like a fingerprint. Once you've passed the check, your purchase will proceed as usual.

How can I change my details for Visa Secure?

Since the security check is run through your bank, you will need to contact it to update any relevant details. Make sure your bank has your correct phone number, email address or security questions, as you may not be able to complete Visa Secure transactions otherwise.

Likewise, any problems you encounter with verifying purchases should be directed to your bank, instead of the online store or merchant.

How do I get Visa Secure?

So long as your bank or credit card issuer is signed up to the Visa Secure program, you will automatically have access to this service. Participating institutions should have details about Visa Secure on their websites or you can contact them to check. Either way, no registration is required.

Below are some of the major banks and card issuers participating in the program. This is not an exhaustive list, so check with your own institution if it is not listed here.

  • ANZ
  • Bank Australia
  • Citi
  • HSBC
  • ING
  • NAB
  • St.George
  • Suncorp
  • Virgin Money
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How do I know which websites use Visa Secure?

Although Visa Secure does not keep a database of participating websites, you should be able to find out by looking for the Visa Secure logo or glancing at the site's payment security information.

Can I turn off Verified by Visa or Visa Secure?

You cannot disable Verified by Visa/Visa Secure in Australia. Since it's an additional security measure designed to protect both you and the merchant you're buying from, participating websites will not let you bypass the Visa Secure feature. If you really don't wish to use it, you will have to shop exclusively on non-participating sites.

What if Visa Secure is not working?

  • Call up your bank or institution. If it's a verification issue, you may need to update your details or security questions.
  • Use another card. Try another card, if you have one.
  • Pay by other means. Other payment options like PayPal or a mobile wallet may work where your card does not.

Verified by Visa/Visa Secure is just one of many security measures protecting you from fraud, including fraud monitoring by your bank and zero-liability policies when someone else uses your card illegally. For a closer look at these measures or for what to do when fraud occurs, see our guide about credit card security measures.

Compare Visa credit cards

Data indicated here is updated regularly
$
% p.a.
Name Product Balance transfer rate Purchase rate Annual fee Amount saved
HSBC Platinum Credit Card - Balance Transfer Offer
0% p.a. for 22 months
19.99% p.a.
$129
Enjoy a 22-month balance transfer offer, travel insurance and an annual fee refund when you spend an eligible $6k/year.
ANZ Low Rate
0% p.a. for 25 months with 1.5% balance transfer fee
12.49% p.a.
$0 annual fee for the first year ($58 p.a. thereafter)
Save with 0% p.a on balance transfers for 25 months (with a 1.5% BT fee) and $0 first year annual fee. Plus a 12.49% p.a. purchase interest rate.
NAB Qantas Rewards Signature Card
0% p.a. for 6 months with 2% balance transfer fee
19.99% p.a.
$295 annual fee for the first year ($395 p.a. thereafter)
Collect up to 130,000 bonus Qantas Points (100k when you spend $3,000 in the first 60 days and 30k after 12 months). Plus, 75 bonus Status Credits.
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
0% p.a. for 22 months
20.74% p.a.
$64 annual fee for the first year ($129 p.a. thereafter)
Get 0% p.a. for 22 months on balance transfers and a reduced first-year annual fee. Plus, earn up to 30,000 bonus Velocity Points.
ANZ Platinum Credit Card
20.24% p.a.
0% for 17 months, reverts to 20.24% p.a.
$0 annual fee for the first year ($87 p.a. thereafter)
Receive a 0% purchase rate offer for 17 months and a $0 first-year annual fee. Plus, complimentary overseas travel and medical insurance.
St.George Vertigo Classic
0% p.a. for 22 months with 1.5% balance transfer fee
0% for 7 months, reverts to 13.99% p.a.
$0 annual fee for the first year ($55 p.a. thereafter)
Get 0% p.a. promotional purchase and balance transfer rates and save with a first-year annual fee waiver.
Virgin Money No Annual Fee Credit Card
0% p.a. for 12 months
0% for 12 months, reverts to 18.99% p.a.
$0
Save with an ongoing $0 annual fee and 0% p.a. on balance transfers and purchases for 12 months.
ANZ Frequent Flyer Black
20.24% p.a.
20.24% p.a.
$425
Collect 120,000 bonus Qantas Points and $200 back when you spend $3,000 in the first 3 months. Plus, complimentary lounge passes.
St.George Vertigo Platinum
6.99% p.a. for 12 months
0% for 15 months, reverts to 12.99% p.a.
$49 annual fee for the first year ($99 p.a. thereafter)
Features an introductory 0% p.a. purchase rate, $49 first year annual fee and complimentary travel insurance covers.
NAB Low Rate Credit Card
0% p.a. for 20 months with 2% balance transfer fee
12.99% p.a.
$59
Get a 0% p.a. interest rate for 20 months on balance transfers, Visa Offers + Perks and a competitive $59 ongoing annual fee.
HSBC Platinum Qantas Credit Card
0% p.a. for 12 months
19.99% p.a.
$99
Receive 20,000 bonus Qantas Points and a long-term balance transfer offer. Plus, complimentary travel insurance.
Virgin Australia Velocity Flyer Card - 0% Interest Offer
0% p.a. for 6 months
0% for 14 months, reverts to 20.74% p.a.
$64 annual fee for the first year ($129 p.a. thereafter)
Enjoy 0% p.a. interest on purchases for 14 months, a reduced first-year annual fee and Velocity Points per $1 spent.
St.George Amplify Platinum
0% p.a. for 22 months with 1.5% balance transfer fee
0% for 7 months, reverts to 19.74% p.a.
$0 annual fee for the first year ($99 p.a. thereafter)
Save with 0% p.a. interest rates on purchases and balance transfers. Plus a $0 first-year annual fee.
BankSA Vertigo
0% p.a. for 22 months with 1.5% balance transfer fee
0% for 7 months, reverts to 13.99% p.a.
$0 annual fee for the first year ($55 p.a. thereafter)
Enjoy a 0% p.a. for up to 22 months on balance transfers and up to 7 months on purchases. Plus, $0 first-year annual fee.
Bank of Melbourne Vertigo Classic
0% p.a. for 22 months with 1.5% balance transfer fee
0% for 7 months, reverts to 13.99% p.a.
$0 annual fee for the first year ($55 p.a. thereafter)
Save with 0% p.a. for 7 months on purchases, 0% p.a. interest for 22 months on balance transfers and a $0 first-year annual fee.
Bank of Melbourne Amplify Signature
0% p.a. for 6 months
19.74% p.a.
$139 annual fee for the first year ($279 p.a. thereafter)
Up to 200,000 bonus points (130k in the first year & 70k in the second year) when you spend $12k/year for the first 2 years.
St.George Amplify Platinum - Qantas
0% p.a. for 15 months with 1% balance transfer fee
19.74% p.a.
$99
Earn 70,000 bonus Qantas Points, plus enjoy 0% p.a. on balance transfers for 15 months and complimentary insurance covers.
Bank of Melbourne Amplify Platinum - Qantas
0% p.a. for 15 months with 1% balance transfer fee
19.74% p.a.
$99
Receive 70,000 bonus Qantas Points when you spend $1,500 each month for the first 3 months and earn up to 0.5 Qantas Points per $1 spent.
St.George Vertigo Classic Rainbow
0% p.a. for 22 months with 1.5% balance transfer fee
0% for 7 months, reverts to 13.99% p.a.
$0 annual fee for the first year ($55 p.a. thereafter)
All the great low cost features of the Vertigo Visa with a rainbow design in support of the LGBT community.
St.George Rainbow Vertigo Platinum
6.99% p.a. for 12 months
0% for 15 months, reverts to 12.99% p.a.
$49 annual fee for the first year ($99 p.a. thereafter)
All the platinum features of the Vertigo Platinum Visa with a rainbow design in support of the LGBT community.
BankSA Amplify Platinum - Qantas
0% p.a. for 15 months with 1% balance transfer fee
19.74% p.a.
$99
Receive 70,000 bonus Qantas Points when you spend $1,500 each month for the first 3 months. Plus a 0% balance transfer offer.
St.George No Annual Fee
0% p.a. for 12 months with 1% balance transfer fee
20.74% p.a.
$0
Receive up to 55 days interest-free on purchases, a low minimum credit limit of $500 and a long-term balance transfer offer.
BankSA No Annual Fee
0% p.a. for 12 months with 1% balance transfer fee
20.74% p.a.
$0
Offers 0% p.a. on balance transfers for 12 months, up to 55 days interest-free on purchases and an ongoing $0 annual fee.
NAB StraightUp Card
N/A
$0
Save with 0% interest charges and 0% foreign transaction fees. Plus, $0 monthly fees when you don't use the card or carry a balance.
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10 Responses

  1. Default Gravatar
    chrisAugust 17, 2017

    having received a new visa debit card, that’s fine — my problem is that verified visa is blocking me from purchasing from a site that I have had no problem with buying from before, how can I unblock verified visa from this site ???—or is it more complicated than that?? thanks Chris

    • Default Gravatar
      JonathanAugust 17, 2017

      Hello Chris,

      Thank you for your inquiry.

      Verified by Visa is an official Visa online requirement, designed to give you extra protection and peace-of-mind when using it online. You’ll be asked if you want to activate Verified by Visa when you’re using it on a website which has signed up to Verified by Visa. If you wish to “unblock” your card, usually you would need to log on online banking of your bank, and change the card security settings.

      We don’t recommend that you do this, as this may make your card prone to hacking and unauthorized transactions. You may contact your bank for further instructions.

      Hope this helps.

      Cheers,
      Jonathan

  2. Default Gravatar
    RCApril 4, 2015

    Uh, i forgot my password. How can I change it?

    • Avatarfinder Customer Care
      JonathanApril 7, 2015Staff

      Hi RC, thanks for getting in touch with us!

      To allow me to assist you further could you please clarify which lender/ bank your credit card is with? Generally the password can be reset can contacting the bank directly.

      Cheers,

      Jonathan

  3. Default Gravatar
    SATYAMNovember 25, 2014

    IS THERE BE ANY CHANCE OF ACCOUNT HACKING IN VBV

    • Avatarfinder Customer Care
      ElizabethNovember 26, 2014Staff

      Hi Satyam,

      Thanks for your question.

      Verified by Visa offers an additional layer of protection while online shopping, but as with all transactions there is always a chance of fraudulent transactions. If this does happen, Visa’s Zero Liability Policy will see you that you are not held responsible for these transactions.

      I hope this has helped.

      Thanks,

      Elizabeth

  4. Default Gravatar
    dhirajMay 29, 2014

    what is verified by visa means?

    • Avatarfinder Customer Care
      ShirleyMay 30, 2014Staff

      Hi Dhiraj,

      Thanks for your question.

      Please read the information on this page about Verified By Visa.

      Cheers,
      Shirley

  5. Default Gravatar
    KOctober 2, 2013

    What is meant by VbV and how to get VbV for my card

    • Avatarfinder Customer Care
      JacobOctober 3, 2013Staff

      Hi K.

      Verified by Visa is an additional security measure when you shop online. You can find out more about how to set up a VbV password by contacting your card issuer.

      Thanks for your question.

Credit Cards Comparison

Data indicated here is updated regularly
Name Product Purchase rate Balance transfer rate Annual fee
Citi Rewards Card - Exclusive Offer
21.49% p.a.
0% p.a. for 30 months
$49 annual fee for the first year ($149 p.a. thereafter)
Finder Exclusive
Save on interest with 0% p.a. on balance transfers for 30 months with no balance transfer fee. Plus, a $49 first-year annual fee and Citi Rewards.
Coles No Annual Fee Mastercard - Exclusive Offer
0% for 12 months, reverts to 19.99% p.a.
0% p.a. for 12 months
$0
Finder Exclusive. Ends 29 October 2020
Save on new and existing interest charges with 0% interest on both balance transfers and purchases for the first 12 months.
Qantas American Express Premium Card
20.74% p.a.
$249
Enjoy 100,000 bonus Qantas Points, 50 bonus Status Credits and 2 complimentary Qantas Club lounge invitations per year. Ends 4 November 2020.
Citi Rewards Card - $500 Voucher Offer
21.49% p.a.
0% p.a. for 12 months
$99 annual fee for the first year ($199 p.a. thereafter)
Get a $500 e-voucher to spend at Myer, JB Hi-Fi or Coles when you spend $3,000 in the first 90 days. Plus, earn points with the Citi Rewards Program.
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* The credit card offers compared on this page are chosen from a range of credit cards finder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

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