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Types of scams

If it seems too good to be true, it probably is. Scams are designed to trick you into parting with your money or sharing personal information.

Anyone can be targeted so keep yourself safe. Learn about the different types of scams and how to spot them so you can steer clear.

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Examples of scams

Is it really ANZ contacting you?

How to spot a scam

Examples of scams

Bank impersonation scams

Received an email, call or SMS claiming to be from ANZ? Check it’s really us contacting you. It could be a scam to get your personal details or money.

Learn more 

Email compromise scams

Protect your inbox. Hackers can gain access to your email account, impersonating you to trick contacts into sending money or sensitive information.

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Impersonation scams

Scammers can pose as friends, family, or employees of trusted companies. Confirm identities before sharing any personal information or funds.

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Investment scams

Investment scams promise high returns. They can be hard to spot as they're often backed with professional-looking websites and documents.

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Job scams

Be wary if asked to make a payment or share personal details during the hiring process for a job. Research companies and avoid unrealistic job offers.

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Money mule scams

Moving funds for someone via your bank account could make you an unwitting accomplice in illegal financial activity. Protect yourself and your money.

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Online sales scams

Shop smart and stay secure. Scammers offer goods or services online and then vanish with your money. Research sellers and use secure payment methods.

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Deceptive emails or messages can trick you into sharing sensitive information like passwords or financial details. Don’t take the bait.

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Remote access scams

Cybercriminals posing as tech support can take over your devices and demand payment. Avoid unsolicited tech help and keep your devices secure.

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Romance scams

Be careful who you trust online. If someone’s gained your trust and affection, and then asks for money, they might be taking advantage for financial gain.

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Threats and extortion scams

Cybercriminals use threats, intimidation or coercion to extort money from you. These tactics feed on fear so stay strong and report threats.

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Unexpected money scams

Be wary of unexpected calls or messages claiming you’ve come into money. False promises of wealth are a way to access your funds or personal details.

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Is it really ANZ trying to contact you?

ANZ regularly contacts customers via genuine calls and messages. However, cybercriminals can also contact you, claiming to be from ANZ.

They often use a technique called ‘ID spoofing’, where their caller ID shows a different number to the one they’re actually using.

This means they can mimic the name or number of major organisations, like ANZ.

We’re working with major telecommunications companies to activate anti-spoofing technologies to prevent scammers from abusing the “ANZ” brand in messages.

In a genuine ANZ call, SMS message or email, we'll never ask you to:

  • share sensitive online banking details (like passwords, PINs, ANZ Shield codes, token codes, or one-time passcodes for payment)
  • click a link to log in to your account
  • grant remote access to your computer, phone, tablet (or any other mobile device)
  • transfer money to another account to keep it safe

If unsure about a call, hang up immediately. If unsure about a message, don’t click on links or attachments.

Contact us to report suspicious activity

How to spot a scam

Scams are on the rise and growing more complex. Check out the short video below to learn how to spot a scam and get tips to help keep you and your money safe.

We all love a day at the beach, but when the weather heats up, we need to know how to protect ourselves, to stay safe in a changing environment where conditions, people and situations can catch us off guard.

Staying safe financially is just the same. Let's see how.

At times we're all vulnerable and untrustworthy people can take advantage of this by influencing us to hand over our money or by tricking us into doing something that might have serious financial consequences.

This is called a scam. One of the best ways to avoid scams is to know how to spot them.

Scammers use tactics to gain the trust of their victims or to scare them into complying.

For example, scammers may play on your emotions to scare you into handing over your money.

That's why it's important to protect yourself - just like being sun smart when outdoors.

The best way to do this is by being informed and taking the right precautions.

Would you go to the beach without sunscreen, a hat or drinking water?

You can protect yourself from getting burnt by securing your computer and accounts, protecting your personal information, and making sure you stop when something doesn't feel right.

Getting scammed can feel horrible, but just like the lifeguards at the beach, there are services to help.

If you're uncertain or think you've been scammed you should stop contact with the scammer and contact your bank or financial institution straight away.

Scams change all the time, but it's important to be aware of the different types so you can steer clear of them.

Let's take a look at a few of the most common ones.

Have you ever been sold the idea of something amazing only to be

disappointed when the dream is nothing like the reality?

An investment scam is similar and often draws people in with 'get rich quick' schemes focusing on low risk, high return offers that feel too good to be true.

Don't be fooled or you may see your valuable time and money wash away.

Dating scams are another way scammers can take advantage of

people. Exploiting the emotions of someone looking for love, scammers pretend to be a romantic interest, tricking their victims into believing they're in a real relationship.

Scammers build elaborate tales of great investment schemes or cries for help, including funds to survive, travel or make ends meet.

When the truth comes out. Victims can be left heartbroken, embarrassed and broke.

You've probably heard of fishing, but have you heard of phishing with a P-H?

With this type of scam the scammer pretends to be a trusted third party, like your bank, to lure you into giving away your personal information. They send fake emails, texts

or communications asking you to click a web link that downloads malicious software, asks you to share your information like your login and password, or to move money to keep it safe.

If you're not vigilant, you could easily fall for their scam - hook, line and sinker - providing them with all they need to access your accounts and steal your money.

Another type of scam is where scammers con you into giving them remote access to your device by impersonating a trusted organisation and then they access your personal apps and accounts.

Employment scams occur when a scammer preys on job hunters.

They may trick them into using their accounts to move other people's money or to pay for training or tools they believe are essential for the job. By the time the victim realises there are no real gains to be made, it's too late. They've already moved the money or paid the scammer.

These are just a few examples of scams and unfortunately, as society evolves, so too will scammers, by finding new and more cunning ways to deceive.

With a little know how you can take action to detect and prevent scams and help keep your personal information and your money safe.

The information on this page does not take into account your personal needs and financial circumstances and you should consider whether it is appropriate for you and read the relevant terms and conditionsProduct Disclosure Statement and the ANZ Financial Services Guide (PDF) before acquiring any product. 

Applications for credit subject to approval. Terms and conditions available on application. Fees and charges apply. Australian credit licence number 234527.