Fraud comes in many forms, but there are some common signs you can look out for to help you recognise when you’re the target of something suspicious.
Signs that something is suspicious
You receive an unexpected call, email or text asking you take urgent action.
You’re asked to download software or an app so someone can access your mobile, device or computer.
You’re asked for personal or financial information. Remember that no one should ask for your banking PINs, passwords, security codes – not ANZ, the police, your phone provider or any other company or person in New Zealand!
You’re asked to provide remote access to your mobile, device or computer.
You’re asked to send money to help catch criminals or hackers.
You’re asked to make a payment using an untraceable method like gift cards, iTunes vouchers, bitcoin or money transfer systems, rather than through a bank.
You receive an email from an unknown sender – especially if it has unfamiliar links or attachments.
You receive an offer that sounds too good to be true or doesn’t ‘add up’.
You’re asked by someone you met online to send money to help them with a difficult situation.
You receive an email from a company with spelling errors and/or poor formatting or branding.
Spot the red flags
Do you know the person you are sending funds to? Are they a real person?
Have you been asked to receive and send funds on behalf of another person or company?
Have you been asked to allow someone remote access to your mobile, device or computer and log onto Internet Banking or your mobile banking app?
Do you understand the reason you’re sending funds?
Have you received an invoice for this payment or transfer?
Have the bank account details changed for a company that you make regular payments to?
Why are you being asked to send funds to a country outside New Zealand?
If you are the victim of a scam
If you think you may be the victim of a scam, call us immediately on 0800 269 296 (or +64 4 470 3142 from overseas, charges may apply).
The FMA is a government agency responsible for regulating New Zealand’s financial markets. They provide warnings and alerts about businesses or individuals you should be cautious of, and illegal investment schemes. You can also report investment fraud incidents.
IDCARE is a not-for-profit organisation formed to help individuals who have identity and cyber security concerns. Their Identity and Cyber Security Case Managers can provide independent advice on how to respond to data breaches, scams, identity theft, and cyber security concerns.