Don’t get caught: How to recognise common scams
Scammers are getting smarter every day, and their tricks can catch anyone off guard. Whether it’s a convincing email, a fake investment opportunity, or a too-good-to-be-true prize, these schemes are designed to steal your money or personal information.
The good news? Knowledge is your best defence. By learning the warning signs, you can protect yourself and help others stay safe.
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Online dating & romance scams
Scammers pretend to build a genuine relationship, often over weeks or months, then manipulate you into sending money. If someone you’ve never met in person asks for financial help, pause and think twice.
Investment scams
Fake investment opportunities promise big returns but leave you out of pocket. If it sounds too good to be true, it usually is. Always research and verify before committing funds.
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Product and service scams
Not every deal is real. Scammers target online shoppers or sellers, tricking them out of goods or cash. Always check the legitimacy of websites and buyers before you pay or ship items.
Threats and extortion scams
From hijacking your computer to making life-threatening demands, these scams use fear to force you into paying up. Legitimate organisations don’t operate this way, never respond under pressure.
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Jobs and employment scams
Offers of easy money or high-paying roles with little effort are often traps. Scammers want your money or personal details, not to hire you. Be cautious of requests for upfront payments or personal information.
Unexpected money scams
Fake lottery wins or competitions you never entered are classic scams. They’ll ask for fees or personal information first. Don’t fall for it. If you didn’t enter, you didn’t win.
Impersonation scams
Scammers pose as trusted companies, government agencies, or even people you know to steal money or data. Always double-check who you’re dealing with before sharing information or making payments.
Stay alert, stay safe
Pause before you click
Links in emails, texts or social media messages can lead to fake websites or install malware. Before clicking, check the sender details and hover over the link to see where the URL really goes.
Double-check who you’re dealing with
If someone claims to be from a trusted organisation or even a friend, verify their identity. Contact the company or person directly using official contact details, not the ones provided in the message.
Report anything suspicious
If something feels off, trust your instincts. Report scams to ScamWatch and Contact Us by calling 132 067 or by visiting your nearest branch if you have shared financial information. Your report could help prevent others from becoming victims.
Visit the Security Hub
Our Security Hub is your go-to destination for staying informed about the latest threats. It offers practical tips, scam alerts, and easy-to-use tools that help you recognise and respond to risks with confidence.
Trusted support services
Australian Cyber Security Centre
TheACSC is the Australian Government’s lead agency for cyber security. It provides up-to-date alerts, advice, and resources to help individuals and businesses protect themselves online. It also plays a key role in coordinating national responses to cyber threats.
ReportCyber
Managed by the Australian Government, ReportCyber is the official platform for reporting cybercrime and online incidents. It also offers guidance on what to do if you’ve been affected by a cyber incident.
IDCARE
IDCARE is a free, not-for-profit support service for anyone in Australia or New Zealand who has experienced identity theft or cybercrime. Their expert team can help you navigate the recovery process and take steps to protect your personal information. Contact them via their support line: 1800 595 160
Scamwatch & National Anti-Scam Centre
Scamwatch, run by the Australian Competition and Consumer Commission, provides information on how to recognise, avoid, and report scams. It’s part of the broader work of the National Anti-Scam Centre, which brings together government, industry, and community efforts to disrupt scams and protect Australians.
Helpful resources
Disclaimers
This content is informed by resources from the Australian Government’s Scamwatch website. For more information and resources on protecting yourself from scams, visit www.scamwatch.gov.au. Regional Australia Bank Ltd ABN 21 087 650 360 AFSL & Australian Credit Licence 241167.
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