Protecting your account and your personal information is one of the most effective ways to reduce your risk of fraud. Xe has controls in place to help catch suspicious activity, but these simple steps put more of the protection in your hands.

Use a strong, unique password

Make your Xe password unique to Xe, hard to guess, and different from anything you use elsewhere. Avoid names, birthdays, common words, and sequential numbers. If another site you use is breached, a reused password gives criminals a way into your financial accounts too — a password manager can help you create and store strong, unique ones.

Protect your email account

Your email is often the key to everything else — most password resets rely on it, so a compromised email account puts other accounts at risk too. Use a strong password, turn on multi-factor authentication, and check your email account's security settings regularly.

Never share your security information

Don't share your password, one-time codes, verification codes, or security answers with anyone. A genuine organisation will never ask you to disclose information that exists to protect your account.

Keep your devices secure

Install software and operating system updates promptly, review the permissions your apps have, remove apps you no longer use, and use security software where it makes sense. A compromised device can expose your financial information without you knowing.

Be careful what you share online

Social media and other public profiles can reveal your family relationships, your employer, your travel plans, and where you live — details scammers use to personalise a scam and make it feel more convincing.

Think before you share personal information

Before giving out personal details or documents, ask who's requesting them, why they need them, whether you've verified they're genuine, and whether there's a safer way to provide them. Don't share sensitive information just because someone contacted you unexpectedly, and don't send identity documents unless you understand why they're needed, you've verified the recipient independently, and you're using a method you trust.

Monitor your account

Check your recent activity, contact details, security notifications, and transfer activity regularly, and act quickly if anything looks unfamiliar.

If you think your account or information has been compromised

Change your password, secure your email account, review your recent activity, remove any software you don't recognise, and contact us. The sooner you act, the more you can limit the harm.