Security

Customer security is a board-level concern at Bard Santner. Every digital channel (online banking, mobile app, USSD, branch terminals) is encrypted end-to-end and authenticated against device, biometric and behavioural signals.

The bank's security operations team monitors transactions and channel activity continuously. Suspicious activity is escalated, customers are contacted, and accounts can be paused within minutes when needed.

Login requires two factors: something you know (PIN or password) and something you have (registered device, biometric, or one-time code). High-value transactions require step-up authentication.

We do not, and will never, ask you for your full password, OTP or PIN by phone, email or SMS. Anyone asking for those credentials is not Bard Santner.

All communication between your device and Bard Santner systems is protected by TLS 1.3 or equivalent. At rest, customer data is encrypted with AES-256.

Access to customer data inside the bank is granted on a least-privilege basis, logged, and audited quarterly. Our access logs are retained in line with our data retention policy.

The most common attacks are not technical: they are social. Someone calls claiming to be from the bank and asks you to move money 'for safekeeping'. They are not the bank.

If in doubt, end the call and call us back on the number printed on your card or on this site. We will never penalise you for verifying the person you are speaking to.

If you suspect fraudulent activity on your account, call our 24-hour fraud line on +263 861 200 0700 (option 9) immediately.

For non-urgent concerns (a suspicious email, an unfamiliar website pretending to be us), email security@bardsantner.com with as much detail as you can provide.