We’re removing NetGuard cards for authentication

From 31 July 2025, you won’t be able to use your NetGuard card for authentication within Internet Banking. Instead, you’ll need to use the BNZ app to authenticate.

You can set up the BNZ app any time before 31 July 2025, and start using it straight away for secure two-step authentication.

Why we’re removing NetGuard cards

NetGuard cards have been used as a form of two-step authentication within Internet Banking since 2006. Over time two-step authentication practices and industry standards have evolved, as has the BNZ app. This means NetGuard cards are no longer needed to authenticate in Internet Banking.

The BNZ app is a safe and secure way to authenticate. Once you’ve set up the BNZ app, it lets you authenticate with a single tap, without the need for verification codes or text messages. 

From 31 July 2025, your NetGuard card won’t work as a form of two-step authentication in Internet Banking. You’ll need the BNZ app to authenticate.

Banking online from 31 July 2025

Using Internet Banking

You’ll still be able to use Internet Banking from 31 July 2025. However you won’t be able to complete all banking tasks if you don’t use two-step authentication in the BNZ app.

You’ll be able to complete some tasks such as viewing your accounts, transactions and statements, and making payments to existing payees, as these don’t need authentication. But you won’t be able to do other tasks such as paying someone new or updating your contact details, without completing two-step authentication. Instead of using a NetGuard card to verify your identity for these tasks, you’ll need to use the BNZ app with its built in security measures.

Tip: If you add anyone you pay regularly to your payee list in Internet Banking before 31 July 2025, you’ll be able to make payments to them in the future without having to authenticate through the BNZ app.

Tasks that need two-step authentication

Setting up the BNZ app

You’ll need to download the BNZ app on to a compatible Apple (iOS) or Android mobile device. To set up the BNZ app you’ll need your access number and Internet Banking password.

Before you set up the BNZ app, make sure your contact details include both your mobile number and email address, and that they’re up to date in Internet Banking. You won’t be able to update these details from 31 July 2025 without authentication. 

More about setting up the BNZ app

Using the BNZ app to authenticate

Once you’ve set up the BNZ app, when you need to authenticate, we’ll send a notification to the app on your mobile device. You’ll need to open the app, then tap Confirm.

More about how to authenticate

Don’t have a compatible smartphone, iPad, or tablet

If you don’t have a compatible mobile device such as a smartphone, iPad, or tablet, or you can’t access the BNZ app, you’ll need to contact us to do any tasks that need authentication. You can call us on 0800 275 269 or from overseas +64 931 8209 (international toll charges apply) or visit a BNZ branch.

BNZ app security

The BNZ app comes with an extra layer of security that keeps your data safe, and lets us know it’s really you doing your banking. 

The first time you use the BNZ app you’ll need to enter secure codes we send via text message and email. This step creates a secure token on your device and is how we confirm it’s you. 

You’ll only have to enter the secure codes once. After that, you can log in using your password, 5-digit PIN, Touch ID, Face ID, or Fingerprint login.

Authenticating using the BNZ app

Once you’ve set up the BNZ app, when you need to authenticate for Internet Banking, we’ll send a notification to the app on your mobile device. Open and read the notification, then tap Yes, it’s me to confirm and authenticate. Only tap Yes, it’s me if you’ve taken an action that needs authenticating.

Watch our video to see how quick it is to authenticate using the app.

Help and support

If you have any queries about the changes, or need help with setting up the BNZ app:

Expired, lost, or stolen NetGuard cards

If your NetGuard card expires before 31 July 2025, we’ll automatically send you a replacement card.

If your card is lost or stolen, you’ll need to contact us for a replacement card. However, as an alternative to your NetGuard card, you can set up the BNZ app at any time to authenticate in Internet Banking.

Everyday banking using the BNZ app

The BNZ app is packed with features to help you manage your money. Track your spending, manage your cash flow, set savings goals, set or update your PIN, or temporarily block or unblock a lost or stolen card.

Discover the BNZ app

Internet access required for online banking and the BNZ app. BNZ Internet Banking terms and conditions apply. Maintenance sometimes required.

Apple, iPad, Touch ID and Face ID are trademarks of Apple Inc., registered in the U.S. and other countries and regions.

Android is a trademark of Google LLC.

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