SCAMS

AND
FRAUD This guide covers some of the most common scams and ways
to keep you and your money safe.

CONTENTS
HOW-TO GUIDE TO HELP Have you been scammed?  02
KEEP YOUR MONEY SAFE Top tips to protect your money  03
Cold call scams 04
Remote access scams 05
Phishing scams 06
Card fraud  07
Investment scams  08
Romance/friendship scams  09
Top tips summary  10

This material is for information purposes only. Eligibility criteria and terms and conditions apply to ANZ goMoney and
ANZ Internet Banking. See our Electronic Banking Conditions, ANZ Credit Card Conditions of Use and our ANZ Visa Debit
Card Conditions of Use for steps you must take to help stop unauthorised use or unauthorised access to goMoney and/or
Internet Banking, available at anz.co.nz, or from any branch. iTunes is a trademark of Apple Inc., registered in the U.S. and
other countries and regions. 1
 HAVE YOU OUR TOP TIPS TO HELP PROTECT

YOUR MONEY
BEEN SCAMMED?
HERE’S WHAT TO DO
1. Be wary of unexpected phone 3. Don’t access your Internet Banking
calls, as scammers pretend to be by clicking a link. Always type the
from legitimate organisations. full address (www.anz.co.nz) into
Contact the organisation on their your web browser.
1. Call us immediately on 0800 269 Make sure you also:
publicly listed phone number to 4. Never share or confirm your
296 (international +64 4 440 3142, • Ask a trusted family member or see if it’s a genuine call. passwords, credit card details,
charges may apply). friend for help and support.
2. Never click on links or download Internet Banking or goMoney
2. Stop communicating with the • Report the scam or fraud to any attachments in unexpected login details, or two-factor
scammer. Block their number or other financial providers or banks emails, texts, or social media authentication codes (a code you
email address. you use and the Police or CertNZ, messages. receive in a text) in response to an
3. If you think your card details are if relevant. unexpected phone call or through
- Be mindful if you expect an
compromised, block or cancel a link in an email or text.
invoice to come through, as
your card immediately either in
they can be intercepted by 5. Never give someone remote
ANZ Internet Banking or the ANZ
scammers. It’s best practice to access to your devices or let them
goMoney app or by calling us.
contact the company or person convince you to download or
Review your account activity to
to confirm they sent the invoice install software.
make sure you made every
and that the bank details are
transaction.
correct.
4. Change your passwords. Use a
different device that’s not at risk of - Delete unsolicited emails
being hacked by the scammer, or or messages from people
contact the relevant company for or organisations you don’t
help if your accounts are locked. recognise.

VISIT THE ANZ BANKING SAFELY HUB TO STAY UP-TO-DATE

WITH THE LATEST SCAMS, ANZ.CO.NZ/BANKSAFE

2 3
 COLD CALL REMOTE
SCAMS ACCESS SCAMS
When you’re contacted unexpectedly and asked for personal details, When someone gains access to your device (i.e. smartphone, tablet
which could give the scammer access to your money. or computer), it could allow them to access your Internet Banking or
goMoney app, steal your personal details or any data saved on that
device, or impersonate you.
COMMON SIGNS OF TOP TIPS
THIS SCAM • Hang up if unknown callers ask for
The scammer may say to keep your personal information. COMMON SIGNS OF TOP TIPS
accounts and money safe you need • If you think the request might be THIS SCAM • Never give strangers access to your
to: genuine, phone the organisation Scammers will phone, text or email devices.
• Transfer money to another back on their official, publicly listed to say: • Never save your Internet Banking
account. number. • There’s a problem with your passwords or login details to the
• Give them personal or bank • Always say no if you’re asked to internet connection. browser.
information, like credit card details buy pre-loaded debit cards, gift • Your device has an issue or needs
or a Visa Secure code. cards, cryptocurrency, iTunes cards, maintenance.
• Verify a suspicious transaction on or use third-party money transfer
• You’re being hacked, and they can
your account or they’ll inform you agencies.
help stop it.
about a refund.
• They’ve seen unauthorised
• Have cash, cards, and PINs ready for transactions and can help stop it.
them to pick up from your home. Scammers might even provide
• Help catch hackers or bank staff step-by-step instructions or offer
involved in fraudulent activity by to walk you through the process,
transferring funds to New Zealand including logging into your
or offshore accounts. Internet Banking or goMoney.
• Set up a cryptocurrency account or
other types of accounts.

4 5
 PHISHING CARD
SCAMS FRAUD
When someone tries to trick you into giving them information When someone steals and uses your card or its details. Note, scammers
or money, usually via text or email. don’t need your physical card to make fraudulent transactions.

COMMON SIGNS OF TOP TIPS YOU MIGHT NOTICE:

THIS SCAM • Don’t click links in unexpected • Unexpected emails, text messages, • Don’t provide your credit card
• A call to action, like ‘pay your toll’ texts or emails. or cold calls where you’re asked for number, expiry date, CVV code,
via a link. your card details. and/or Visa Secure codes to
• Ask a trusted family member or
• Your transactions show unusual or someone who calls, emails,
• A sense of urgency or pressure to friend if you’re not sure, or call the
unfamiliar transactions at stores or messages (including via social
act quickly, such as ‘your accounts company on its publicly listed
locations you don’t recognise. media), or texts you. This includes
have been locked’. number to check if it’s real.
automated voice messages saying
• Poor spelling and grammar, you have an unexpected charge or
including typos. TOP TIPS
refund on your account.
• Incorrect sender email addresses • Review your account activity
• Use a different PIN for all your cards,
or an email address that doesn’t regularly to make sure you made
goMoney and phone banking.
look right. every transaction.
• If your card is lost or stolen, block
• Texts sent from overseas phone • See who may have your card
or cancel it immediately in Internet
numbers. details stored using ANZ Card
Banking or goMoney, or call us.
Tracker in goMoney.
• Messages that ask you to ‘confirm’
or ‘verify’ account information • Keep your PIN a secret. Never write
which could be ‘stolen’, ‘lost’, or it down and make sure it’s hard
requires ‘updating’. to guess.
• Links to fake websites that look
real and attachments that could
download a virus onto your device.
BLOCK OR CANCEL YOUR CARD IN INTERNET BANKING
OR GOMONEY. SEE HOW AT ANZ.CO.NZ/GUIDES

6 7
 INVESTMENT ROMANCE AND
SCAMS FRIENDSHIP
When you’re invited to invest in a fake money-making
SCAMS
opportunity or looking to invest.

COMMON SIGNS OF When someone tries to gain your trust and trick
THIS SCAM you into giving them money.
You’re offered an opportunity to: • Before making any decisions,
• Purchase shares in a company. consult a licensed financial adviser COMMON SIGNS OF TOP TIPS
• Invest funds in a term deposit. or investment professional. THIS SCAM • Romance scams can happen to
• Remember, if an investment If you’ve met someone online, they anyone, so it’s important to be
• Invest in foreign exchange.
opportunity sounds too good to may: cautious when interacting with
• Invest in gold or other precious be true, it probably is. people online.
metals. • Quickly profess their admiration or
love for you. • Talk to a trusted family member or
• Invest in property. PROTECT YOUR MONEY friend if you feel uneasy or unsure
• Have a heart-wrenching story
• Buy cryptocurrency. Be very sceptical if the investment or compelling reason to borrow about requests from an online
There is usually urgency behind the opportunity comes from: money – often small amounts to acquaintance or partner.
offer, with the scammer pushing you • A company that isn’t registered begin with.
to act quickly so you don’t miss out. with regulatory agencies or doesn’t • Constantly have excuses why they
provide clear and transparent can’t meet in person.
TOP TIPS information. • Claim to be working overseas.
• Before investing money, • An unexpected phone call, social • Have their camera off or image
thoroughly research the company, media posts or social media blurred if you video call.
the investment opportunity, and chat seeking a relationship, and
the people behind it. Look for ultimately asking for money or
information from independent to invest.
sources, including regulatory
agencies, financial analysts, and Be wary if you’re contacted to get
reputable news outlets. your funds back from previous
investments.

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 TOP TIPS

TIP 06
Don’t be pressured
into quick decisions

SUMMARY
Protect your banking information and devices by using

TIP 07
unique passwords and PINs. Never save your customer
Stick this summary on your fridge or near your computer. number, passwords or PINs to your browsers or devices.

Verify all requests for personal

TIP 08
TIP 01

Talk to a trusted family details or money - contact the

member or friend company on their official number

Use additional banking

TIP 09
TIP 02
Hang up if unknown callers ask security measures, like ANZ
you for personal information OnlineCode or Voice ID

TIP 10
Regularly check your
TIP 03

Don’t click links on

unexpected texts or emails transactions

Have you been scammed, or want to find out more about

TIP 04

Never give strangers

access to your devices scams and how to protect you money?

Visit anz.co.nz/banksafe

Call 0800 269 296 Come into any branch

TIP 05

Have a secret family code word to

check if it’s really your loved one

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