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Types of scams and fraud

Learn about different types of scams and fraud, so you can keep yourself – and your money – safe.

Who can be scammed

Anyone can fall victim to a scam. Scammers target people of any gender or age, and it doesn’t matter how much money you have. It’s important to stay up to date with the types of scams.

How to spot scams and fraud

Identity theft

If someone gets your personal information, they can use it to pretend to be you. They could get credit in your name, access your funds and even open bank accounts, all without your authorisation.

Examples of how people can get your personal information:

  • Pretending to be from a trusted organisation like your bank, a government agency or the Police
  • Stealing your mail
  • Going through your rubbish or recycling to find documents
  • Phishing scams, such as emails or text messages that trick you into sharing personal or bank details
  • Copying your social media account to make a fake profile and contacting your friends list
  • A data breach at an organisation, or someone saying there’s been a data breach as an attempt to gain your personal information.

Banking fraud and scams

Email, phone and text scams

Own or run a business?

Scammers may make it look like messages come from your business. Phishing or smishing tries to trick you or your customers into sharing personal information or login details. It’s important to set up two-factor authentication (2FA) and keep your software and devices updated to help protect against attacks.

How to avoid this scam: 

  • Do not click links in unexpected emails or texts
  • Delete the message
  • If you clicked the link and realise it’s a scam, change your passwords immediately
  • Notify your bank
  • Switch on two-factor authentication.

How to spot a phone scam

How to spot a phishing scam

Scams related to businesses


Extortion scams

Too good to be true scams

Relationship scams

Protect your money from investment scams

How to spot a romance scam

Information and education resources

Important information

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