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Here are some simple suggestions on how to keep your cards (and your money) safe.


Your Pin

You will be issued with your own unique personal identification number (PIN) which is forwarded to you separately from your card. 

It is very important that your PIN is memorised and not stored with your card or disclosed to anyone else for security.

You can change your PIN at any time at your local Horizon branch. 

Ask HorizonCall 1300 366 565


PIN Security

You should follow the guidelines below to protect against unauthorised use of your card and PIN. These guidelines provide examples of security measures only and will not determine your liability for any losses resulting from unauthorised EFT Transactions. Liability for such transactions is contained within the conditions of use of the card outlined in our Terms and Conditions.

Guidelines for ensuring the security of your card and PIN:

  • Sign your card as soon as you receive it;
  • Keep your card in a safe place;
  • Never write your PIN on the card (even if it is disguised);
  • Never write your PIN on anything that is kept with or near the card (even if it is disguised);
  • Never lend your card to anybody;
  • Never tell or show your PIN to anybody;
  • Use care to prevent anyone seeing your PIN being entered at an ATM or EFTPOS terminal (we recommend using your hand or purse/wallet to cover your PIN when you enter it);
  • Immediately report the loss, theft or unauthorised use of your card to the Credit Union;
  • Examine your statement immediately upon receiving it to identify and report, as soon as possible, any instances where your card has been used without your authority; and
  • Immediately notify us of any change of address.

Ask HorizonCall 1300 366 565


What if my card is lost or stolen?

Visit our Lost & Stolen Card Information page to find out what to do if your card has been lost or stolen.

Ask HorizonCall 1300 366 565


Card skimming or fraud

For more information on card skimming and how you can protect yourself click here

An important public message is to contact us if you suspect one of our ATMs has been tampered with. If a skimming device is discovered do not touch the device. Contact us and call the police immediately so that the crime scene is not compromised. That way vital evidence will be preserved for ongoing police investigations. Do not contact the media.

Avoid card fraud with these helpful tips from VISA

It is so important that you let us know if you think you have been scammed or if you think someone has stolen your details. We can stop your card, change your Internet Banking access and keep an eye out for any attempts on your account.

Call us immediately on 1300 366 565

Keep up to date and find further information on how to avoid and recognise scams with SCAMwatch

Ask HorizonCall 1300 366 565


Online security

As your financial institution, we take the protection of your information and transaction data very seriously. But online security is a partnership between us (as the provider of online banking services to you) and you (the user of these services). There are steps you can take to keep your personal and financial information safe. Visit the following pages for more information:

Ask HorizonCall 1300 366 565