Authenticating using NetGuard
Update on NetGuard card removal
If you register for Internet Banking from 8 April 2025, you won’t be issued with a NetGuard card. Instead, you’ll need to use the BNZ app for two-step authentication within Internet Banking. That means any reference to NetGuard cards on our website won’t apply to you.
If you already have a NetGuard card, you can continue using it until they’re removed on 31 July 2025.
As part of two-step authentication, NetGuard works alongside your access number and password to provide an extra layer of security when you do your Internet Banking.
Your NetGuard card has a unique serial number, and grid of numbers and letters. You’ll be prompted to enter three randomly-selected coordinates from your NetGuard card. Only your own NetGuard card can provide the correct answers.
You can choose to use your NetGuard card each time you log in to Internet Banking and for specific actions, or only for specific actions like paying someone new. If you don’t want to log in using your NetGuard card every time, you can turn off two-step authentication at login.
If you prefer, you can authenticate using the BNZ app instead of NetGuard.
Keeping your NetGuard card secure
- Keep your card secure at all times.
- Don’t give your card to anyone else.
- Don’t scan, photocopy, or take photos of your card.
- We will never ask you for your card’s coordinates verbally, via text message, or email.
- We will never ask you for more than three coordinate values at a time.
- We will never ask you to upload an image of your card.