Scam Awareness stay protected

Tips on how to avoid being scammed

Behind the growing numbers are everyday Australians who lost money to scams – sometimes their life savings. And the true cost of scams is more than a dollar figure. Scams can have a devastating impact on victims’ lives. The top three most reported impersonation scams were Toll Road Scams, Australian Government Impersonation Scams and ‘Hi mum/family’ impersonation scams.

Report a scam

If you notice any suspicious activity on your bank account or believe you’ve shared your personal information with a potential scammer, please call us immediately on 1300 13 22 77. We’re open 8am – 8pm weekdays and 8am – 3pm Saturdays..

How to spot and avoid scams

  • STOP – Don’t give money or information to anyone if unsure
  • CHECK – Ask yourself if the message or call is fake
  • PROTECT – Act quickly if something feels wrong

Types of scams

How it works: Scammers impersonate trusted entities (like banks or government agencies) via email, text, or phone calls to trick you into revealing personal information such as Social Security numbers or bank details.

Protect yourself: Never click on suspicious links or provide personal information through unsolicited communications. Always verify requests by contacting the organization directly.

How it works: Fraudsters call pretending to be from reputable organizations, claiming issues like expired licenses or unpaid debts, and pressure you into immediate action.

Protect yourself: Hang up on unsolicited calls requesting personal information or payments. Register your number on the National Do Not Call Registry and report suspicious calls.

How it works: Scammers pose as debt collectors, using threats and harassment to coerce payments for debts you may not owe.

Protect yourself: Request written validation of any debt. Legitimate collectors are required to provide this information.

How it works: Unsolicited text messages claim issues with your accounts or deliveries, prompting you to click on malicious links.

Protect yourself: Do not click on links from unknown senders. Delete suspicious messages and report them to your mobile carrier.

How it works: Fraudulent offers promise guaranteed loans or credit repair services for upfront fees, then disappear without delivering services.

Protect yourself: Be wary of any service requiring upfront payment. Research companies thoroughly and consult financial advisors before proceeding.

How it works: You’re informed of winning a prize or lottery you never entered, but must pay fees or taxes upfront to claim it.

Protect yourself: Legitimate lotteries do not require payment to claim winnings. Ignore unsolicited prize notifications.

How it works: Scammers create fake online stores or listings, taking payments for goods that are never delivered or are counterfeit.

Protect yourself: Shop from reputable websites, check for secure payment methods, and read reviews before purchasing.

How it works: Fraudulent car sales, fake warranties, or deceptive repair services aim to extract money without providing promised services.

Protect yourself: Verify the legitimacy of sellers and service providers. Obtain all agreements in writing and consult trusted mechanics.

How it works: You’re promised a large sum of money (like a loan or inheritance) but must pay fees upfront to release the funds, which never materialize.

Protect yourself: Be sceptical of unsolicited offers requiring upfront payment. Legitimate transactions do not require fees to release funds.

Victim support

If you believe you have fallen victim to a scam, you need to act quickly to minimise the impact.

    • Call Community First immediately on 1300 13 22 77 to report the scam and ask us to stop any transactions or block your card.
    • If you’re at risk of identity misuse or need support to recover from a scam, contact IDCARE on 1800 595 160 or go to their website here
    • Protect others by warning the community and people you know. 
    • If a scam is causing you problems with debt talk to a financial counsellor. Moneysmart provides a list of free and confidential services to help you get your finances back on track.
    • Being scammed is a horrible experience and it can happen to anyone. If you need someone to talk to, reach out to family and friends or you can contact Lifeline (13 11 14) or Beyond Blue (1300 22 4636).

This information on this website is general advice only and does not take into account your objectives, financial situation or needs (your “personal circumstances”). Before deciding whether to buy any product on this website you should consider your personal circumstances. You should read and consider the Terms and Conditions when deciding to use any product (terms and conditions, fees and charges may apply). Our product Conditions of Use are available on this website.

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1300 13 22 77

Community First Credit Union Limited ABN 80 087 649 938Operating as Community First Bank | AFSL and Australian credit licence 231204 BSB 512-170