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ANZ is warning customers to remain vigilant during the end of financial year period as scammers attempt to target Australians during tax time.

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The bank has cautioned that scam tactics are becoming increasingly targeted, ranging from tax-related impersonation scams to fraudulent shopping websites offering massive EOFY discounts.

ANZ Head of Customer Protection Shaq Johnson said while the bank has measures in place to protect customers, preventing more than $50 million in suspicious transactions linked to scams between October 2023 and September 2024, customers must remain vigilant.

"Tax time is already a confusing period for many Australians and in the businesses of lodging a return it's easy to let your guard down," he said.

"Cybercriminals will look to exploit this, so it's crucial Australians understand the warning signs to avoid falling victim to a scam."

Johnson said scammers may use targeted, sophisticated tactics during the end of financial year period to steal money or personal information.

Common warning signs include unexpected text messages or emails claiming to be from the Australian Taxation Office or banks, alerting recipients to unclaimed refunds or outstanding tax bills.

"We're urging Australians to stop, think, and consider," Johnson said.

"If you are ever unsure that a message is legitimate, or simply would like the peace of mind, call your bank or relevant government organisation."

During tax time in 2024, ANZ experienced a spike in attempted rebate and extortion scams, with rebate scam volumes surging by 50 per cent in July before dropping sharply in August.

Extortion scams followed a similar trend, rising significantly in June by 41 per cent and July by 64 per cent.

Rebate scams involve scammers convincing victims they are entitled to a rebate from a bank or government service, asking for initial payments to cover administration fees.

Threats and extortion scams involve scammers demanding payments to avoid punishment such as arrest or deportation.

ANZ is also warning Australians about online shopping scams during EOFY sales periods.

"Australians love to snap up a bargain during the EOFY sales, and we also know scammers will attempt to take advantage of this," Johnson said.

"Common red flags to look out for when shopping online this EOFY include inconsistent or unfamiliar contact information, significantly cheaper offers compared with other sellers, or any deal that seems too good to be true."

The bank advises customers that in genuine ANZ communications, the bank will never ask customers to share sensitive banking details, click links to log into accounts, grant remote access to devices, or transfer money to other accounts.

ANZ operates customer protection teams 24/7, with customers who believe they may have been scam victims advised to contact the bank immediately on 13 13 14.

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ANZ is warning customers to remain vigilant during the end of financial year period as scammers attempt to target Australians during tax time.

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["rawvalue"]=> string(0) "" } } ["link"]=> string(92) "/save-money/scams/anz-warns-australians-to-stay-alert-for-scams-during-end-of-financial-year" ["image"]=> string(126) "https://res.cloudinary.com/momentum-media-group-pty-ltd/image/upload/v1751346538/pexels-tima-miroshnichenko-6266273_ellwfp.jpg" ["image_alt"]=> string(74) "ANZ warns Australians to stay alert for scams during end of financial year" } [1]=> object(stdClass)#9327 (57) { ["id"]=> int(18682) ["title"]=> string(66) "ANZ warns customers of potential scam surge following RBA rate cut" ["alias"]=> string(66) "anz-warns-customers-of-potential-scam-surge-following-rba-rate-cut" ["introtext"]=> string(187) "

ANZ has issued a warning to customers about a potential rise in scam activity following the Reserve Bank of Australia's decision to lower the cash rate target by 25 basis points.

" ["fulltext"]=> string(2584) "

The bank said cyber criminals could exploit the rate change by posing as financial institutions or advisers in an attempt to steal money.

ANZ has urged customers to watch out for common scammer tactics following major financial announcements, including fake loan or mortgage offers, phishing links, promises of high-return investment opportunities and fake financial advice.

Shaq Johnson, ANZ head of customer protection, said customers should remain cautious at a time when they might be considering refinancing loans or securing strong rates for savings accounts.

"We urge customers to be hyper-vigilant around major financial announcements like these," Johnson said.

"Cybercriminals are using technology in increasingly sophisticated ways and always looking for new and convincing ways in.

"A change in the RBA cash rate could give them the opportunity to exploit confusion or create a false sense of urgency around locking in strong rates and transferring large sums of money."

Johnson said customers should be wary if something sounds too good to be true, noting that scammers often advertise higher savings rates on fake websites impersonating banks.

"It's important to cross-check all of the contact you receive directly with your bank," he said.

"If you are ever unsure, or you feel like you are being pressured to share sensitive information or lock in a deal, call or visit your bank to verify the contact and offer is legitimate."

The bank outlined several warning signs for investment scams, including suspiciously high interest rates, unexpected contact via SMS or messaging apps, and limited online presence of investment companies.

Other red flags include difficulty withdrawing funds from investment platforms, urgent tones in communications, requests to download remote access software, and cryptocurrency investment requirements.

ANZ also warned about recovery scams, where fraudsters contact previous scam victims claiming they can help recover lost funds for a fee.

The bank has launched its Scam Safe initiative to assist the community in remaining alert to constantly changing scams and fraud.

The program encourages customers to follow ANZ's security principles: Always be wary, Never share personal information with anyone, and Zoom in on the details as they matter.

ANZ's customer protection teams and systems operate 24/7, with customers who believe they may have been scam victims encouraged to contact the bank immediately on 13 13 14.

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ANZ has issued a warning to customers about a potential rise in scam activity following the Reserve Bank of Australia's decision to lower the cash rate target by 25 basis points.

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["rawvalue"]=> string(0) "" } } ["link"]=> string(84) "/save-money/scams/anz-warns-customers-of-potential-scam-surge-following-rba-rate-cut" ["image"]=> string(120) "https://res.cloudinary.com/momentum-media-group-pty-ltd/image/upload/v1749026013/pexels-mikhail-nilov-7534805_koluln.jpg" ["image_alt"]=> string(66) "ANZ warns customers of potential scam surge following RBA rate cut" } [2]=> object(stdClass)#9326 (57) { ["id"]=> int(18668) ["title"]=> string(91) "Financial Basics Foundation warns of e-commerce ‘gamification’ targeting Gen Z shoppers" ["alias"]=> string(85) "financial-basics-foundation-warns-of-e-commerce-gamification-targeting-gen-z-shoppers" ["introtext"]=> string(305) "

The Financial Basics Foundation has raised concerns over the impact of increasingly sophisticated digital marketing tactics on young consumers during Financial Literacy Month, highlighting the need for stronger financial education to counter the influence of online retailers like Shein and Temu.

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The not-for-profit organisation is urging schools, parents and young people to build awareness of how retailers use gamification, influencer marketing and hyper-personalised online experiences to encourage excessive spending among young Australians.

Katrina Samios, CEO of Financial Basics Foundation, said that financial literacy must evolve to address the modern pressures young people face online.

“Financial literacy isn’t just about saving, investing and interest rates,” Ms Samios said.

“It’s about being able to recognise value, making informed financial decisions and resisting the draw of manipulative marketing campaigns.”

“Retailers use sophisticated digital tactics to create a sense of urgency and drive impulse spending, often targeting young consumers who may not fully understand the long-term financial impact of their purchases.”

Recent data from Roy Morgan showed that Temu and Shein have more than 2 million monthly users in Australia, generating over $8 billion in annual sales. Gen Z consumers make up 15 per cent of Temu users and 23 per cent of Shein’s customer base.

These shoppers are drawn to discounts, social media recommendations and highly tailored suggestions, according to research by NIQ. Most users are repeat customers, with 40 per cent making four or more purchases in 12 months.

The foundation warned that e-commerce platforms are increasingly deploying gamified features—such as prize wheels, countdown deals and progress bars—to drive purchases. These features are designed to limit decision-making time and increase emotional responses, making it harder for young consumers to stick to budgets.

Social media platforms also play a key role in shaping shopping behaviour, with influencer-driven ‘hauls’ and trend-focused content encouraging fast fashion consumption and over-purchasing.

“E-commerce platforms are becoming increasingly sophisticated in how they lure young consumers, often using tactics that encourage impulse spending, making it easy to lose track of financial limits,” Ms Samios said.

To combat these challenges, the foundation is promoting its Financial Rules of Thumb—a free online resource designed to help young people understand marketing tactics, practice conscious spending, and build better financial habits.

“At Financial Basics Foundation we aim to empower young people with the life skills to think critically about marketing tactics and make informed spending choices,” Ms Samios said.

“By developing financial capability throughout their formative years, young people build strong financial habits that help set them up for a more secure financial future.”

The foundation’s resources are used in over 2,000 high schools across Australia, with more than 30,000 students engaging annually with its ESSI Money simulation game, which teaches core skills in earning, saving, and spending.

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The Financial Basics Foundation has raised concerns over the impact of increasingly sophisticated digital marketing tactics on young consumers during Financial Literacy Month, highlighting the need for stronger financial education to counter the influence of online retailers like Shein and Temu.

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{ ["hint"]=> string(29) "Paste your embedded code here" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(6) "editor" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(2) ["label"]=> string(14) "Embedded Video" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } } ["link"]=> string(103) "/save-money/scams/financial-basics-foundation-warns-of-e-commerce-gamification-targeting-gen-z-shoppers" ["image"]=> string(126) "https://res.cloudinary.com/momentum-media-group-pty-ltd/image/upload/v1742949306/Image_2_-_FInancial_Literacy_Month_cwgbg3.jpg" ["image_alt"]=> string(91) "Financial Basics Foundation warns of e-commerce ‘gamification’ targeting Gen Z shoppers" } [3]=> object(stdClass)#9325 (57) { ["id"]=> int(18663) ["title"]=> string(72) "ANZ warns Australians of scam risks following Ex-Tropical Cyclone Alfred" ["alias"]=> string(72) "anz-warns-australians-of-scam-risks-following-ex-tropical-cyclone-alfred" ["introtext"]=> string(173) "

ANZ is urging customers and the broader community to remain vigilant against scammers impersonating trusted organisations in the wake of Ex-Tropical Cyclone Alfred.

" ["fulltext"]=> string(3054) "

Scammers are known to exploit crises by posing as banks, insurance providers, charities, or disaster relief services to deceive individuals into revealing personal information or making fraudulent payments.

ANZ Head of Customer Protection, Shaq Johnson, warned that fraudsters often disguise themselves as recovery support services to manipulate those affected.

“Scammers can disguise themselves as recovery support, manipulating those affected by the crisis into sharing sensitive information or making fraudulent payments under false pretenses,” he said.

“Staying vigilant and taking simple precautions can help safeguard your recovery journey and prevent further setbacks during an already challenging time. Since scammers thrive on urgency and uncertainty, a thoughtful pause can be your strongest defence against fraudulent activity.”

How to spot a scam

ANZ advises customers to be cautious of unexpected requests for personal details and provides the following guidance:
- Verify the source – Be wary of calls, emails, or messages claiming to be from a bank or insurance company requesting urgent payments or unusual account activity. Confirm legitimacy by using official contact details from the organisation’s website.
- Think before you click – Legitimate organisations will never request personal information via a link in an email or text message.
- Be cautious of fake charity appeals – Always verify the authenticity of charity requests by checking their registration with the Australian Charities and Not-for-profits Commission (ACNC).
- Check for errors – Scams often contain poor grammar, spelling mistakes, or unnatural phrasing.

ANZ scam prevention measures

ANZ reminds customers that it will never:
- Request online banking passwords, PINs, ANZ Shield codes, or one-time passcodes.
- Ask customers to click on a link to log in or enter sensitive details.
- Request remote access to devices.
- Instruct customers to transfer funds to another account to keep them safe.
- Invite customers to join an online chat for security verification.

Reporting scams and seeking assistance

ANZ’s customer protection teams operate 24/7 to monitor scam activity. Customers who believe they may have been targeted should contact ANZ immediately at 13 33 50 or visit www.anz.com.au/security/report-fraud.

Further information on scam prevention is available at www.anz.com.au/security.

ANZ relief package for cyclone-affected customers

On 5 March 2025, ANZ activated a relief package for customers impacted by Ex-Tropical Cyclone Alfred. Customers experiencing financial hardship are encouraged to contact ANZ early for assistance. Those with ANZ Home and Contents Insurance may also be eligible for emergency support.

 

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• Yes

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ANZ is urging customers and the broader community to remain vigilant against scammers impersonating trusted organisations in the wake of Ex-Tropical Cyclone Alfred.

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["rawvalue"]=> string(0) "" } } ["link"]=> string(90) "/save-money/scams/anz-warns-australians-of-scam-risks-following-ex-tropical-cyclone-alfred" ["image"]=> string(120) "https://res.cloudinary.com/momentum-media-group-pty-ltd/image/upload/v1742237896/pexels-mikhail-nilov-7534806_mjivrt.jpg" ["image_alt"]=> string(72) "ANZ warns Australians of scam risks following Ex-Tropical Cyclone Alfred" } [4]=> object(stdClass)#9324 (57) { ["id"]=> int(18395) ["title"]=> string(46) "Navigating online money-making: Scams to avoid" ["alias"]=> string(45) "navigating-online-money-making-scams-to-avoid" ["introtext"]=> string(270) "

In an era where the click of a button can lead to monetary gain, the internet has become a bustling marketplace for those looking to supplement their income. However, where there is opportunity, there are also opportunists ready to take advantage of the unwary.

" ["fulltext"]=> string(5010) "

Australians looking to navigate the world of online money-making must be vigilant to steer clear of scams. Here’s how to identify potential scams and protect yourself from becoming a victim.

Navigating online money-making: Scams to avoid

1. Investment schemes

Phoney investment schemes are rampant online. They promise high returns with little to no risk, often involving cryptocurrencies or ’revolutionary’ trading software. They may pressure you to act quickly or promise guaranteed returns. Remember, if an investment opportunity sounds too good to be true, it probably is.

2. Phishing scams

Phishing scams lure you into providing personal and banking information under the guise of reputable organisations. Always verify the source before clicking on links in emails or messages. A legitimate business will never ask for your password or bank details via email.

3. Pyramid schemes

These schemes are cleverly disguised as multi-level marketing (MLM) opportunities. They rely on recruiting more people to invest in the program rather than selling an actual product or service. If the focus is more on recruitment than sales, steer clear.

4. ‘Get rich quick’ schemes

Online courses or programs that claim to teach you how to become wealthy in a very short time are usually suspect. These often involve a substantial upfront fee and provide little to no value in return.

5. Mystery shopping

While there are legitimate mystery shopping jobs, scammers often use this ploy to trick people. They might send a cheque, ask you to cash it, and then use some of that money to ’test’ a money transfer service. The cheque will eventually bounce, leaving you out of pocket.

6. Online surveys and task completion

There are genuine websites that pay for completing surveys or tasks, but some are scams that either don’t pay out or require you to pay for membership. Research and read reviews before committing your time and personal details.

How to avoid online money-making scams

Do your homework

Research is your best defence. Before investing time or money, do a thorough check of the company or offer. Search for reviews and complaints online, and check with official regulators like ASIC to confirm legitimacy.

Secure your personal information

Be cautious about sharing personal information. Use strong, unique passwords for different sites, and enable two-factor authentication where possible. Keep your computer’s antivirus software up to date.

Understand the offer

Make sure you fully comprehend the terms and conditions of any online money-making venture. Be wary of complex jargon or convoluted explanations designed to confuse and mislead.

Trust your instincts

If something feels off, trust your gut. Scammers often use high-pressure tactics to push you into making decisions without giving you time to think or ask questions.

Report suspicious activity

If you come across a potential scam, report it to the ACCC through the Scamwatch website. Your report could help others avoid being scammed.

---

The allure of easy money can be tempting, but the internet is a minefield of scams that prey on hopeful money-makers. By remaining informed and cautious, you can navigate through dubious offers and find legitimate ways to earn money online.

Always remember, when it comes to online money-making, if it seems too easy, too fast, or too good, it warrants a closer look. Stay vigilant and keep your wits about you to ensure your online endeavours lead to legitimate gains, not losses.

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In an era where the click of a button can lead to monetary gain, the internet has become a bustling marketplace for those looking to supplement their income. However, where there is opportunity, there are also opportunists ready to take advantage of the unwary.

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["rawvalue"]=> string(0) "" } } ["link"]=> string(63) "/save-money/scams/navigating-online-money-making-scams-to-avoid" ["image"]=> string(137) "https://res.cloudinary.com/momentum-media-group-pty-ltd/image/upload/v1701068759/Navigating_online_money-making_scams_to_avoid_rere6i.png" ["image_alt"]=> string(0) "" } [5]=> object(stdClass)#9323 (57) { ["id"]=> int(18297) ["title"]=> string(63) "Cyber criminals using interest rates as bait to trick customers" ["alias"]=> string(62) "cybercriminals-using-interest-rates-as-bait-to-trick-customers" ["introtext"]=> string(321) "

If you’ve ever found yourself on the receiving end of a suspicious phone call, e-mail or text message claiming to be from a major bank and demanding your details, you’re not alone – and experts are warning everyone to be on the lookout for fraudsters posing as banks offering information on interest rates.

" ["fulltext"]=> string(2429) "

Bogus but alarmingly convincing communications from cyber criminals pretending to be a widely recognised financial institution has become a major problem, reportedly costing the economy $33 billion in self-reported losses in 2020-21, according to the Australian Signals Directorate (ASD).

But financial experts are warning that cyber crime could become an even bigger headache for banks and potential victims alike following the Reserve Bank of Australia’s (RBA) recent decision to raise interest rates.

According to GBG solutions consultant Alex Cherniakov, fraudsters are at the ready to pounce on consumers at their most vulnerable or those expecting some kind of change to their financial situation.

“As more banks and financial institutions communicate changes related to the cost of servicing and interest rates in the coming weeks, scammers around the world will be looking to take advantage of this by impersonating banks, encouraging consumers to click on malicious links, and convincing consumers to share personal and banking information,” Mr Cherniakov said.

He warned Australians to “remain vigilant” as there will almost certainly be a rise in scams and fraud related to interest rates and repayment changes over the next few months.

Hoping to ensure Australian banking customers are aware of the potential risks in communicating with crafty scammers, Mr Cherniakov offered some common sense advice to help them avoid the ordeal of being swindled.

“Make sure you are only sharing information with trusted parties, never interact with a text, email, or unsolicited phone call,” Mr Cherniakov said.

He warned not to forget the basics such as maintaining strong passwords and using two-factor authentication.

Australia’s major banks have also offered warnings on their websites, including the Commonwealth Bank (CBA), which routinely reports phishing and investment scams.

Other major banks, including NAB, ANZ and Westpac also feature similar alert pages and forms to report suspicious activity.

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• Yes

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If you’ve ever found yourself on the receiving end of a suspicious phone call, e-mail or text message claiming to be from a major bank and demanding your details, you’re not alone – and experts are warning everyone to be on the lookout for fraudsters posing as banks offering information on interest rates.

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string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(4) "text" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(2) ["label"]=> string(9) "Video URL" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [6]=> object(stdClass)#9685 (33) { ["id"]=> int(6) ["title"]=> string(33) "Image Caption / Video description" ["name"]=> string(31) "image-caption-video-description" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> 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string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [2]=> object(stdClass)#9705 (33) { ["id"]=> int(2) ["title"]=> string(14) "Embedded Video" ["name"]=> string(14) "embedded-video" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-06-20 01:43:32" ["created_user_id"]=> int(2351) ["ordering"]=> int(5) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#592 (3) { ["data":protected]=> object(stdClass)#611 (4) { ["buttons"]=> string(0) "" ["width"]=> string(0) "" ["height"]=> string(0) "" ["filter"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#605 (3) { ["data":protected]=> object(stdClass)#610 (10) { ["hint"]=> string(29) "Paste your embedded code here" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(6) "editor" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(2) ["label"]=> string(14) "Embedded Video" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } } ["link"]=> string(80) "/save-money/scams/cybercriminals-using-interest-rates-as-bait-to-trick-customers" ["image"]=> string(55) "images/article-826x550/anonymous-man-cyber-crime-ne.jpg" ["image_alt"]=> string(14) "Cybercriminals" } }