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Text or SMS Scams

Scam messages can look like they are from government agencies, banks, delivery companies, crypto platforms, businesses you deal with, or even your own family and friends. They are designed to create urgency and make you act before verifying.

Text scams often sound urgent to get you to act quickly. They may include a link that takes you to a fake website where scammers can steal personal information, passwords, card details, banking access, or crypto wallet information.

To make these messages look real, scammers can spoof or copy the phone number and sender ID of businesses or people you know. Scam messages can even appear in the same message chain as real messages from the organisation.

Warning Signs

Warning signs it might be a scam

Stop and think. There is a good chance it is a scam if the message asks you to:

  • Take immediate action.
  • Make a payment or transfer money.
  • Click on a link or call a number provided in the message.
  • Log on to an online account with your username and password.
  • Provide personal, banking, identity, wallet, or security information.

To rush you into acting, the text might also claim something urgent, such as:

You or your accounts have been hacked or involved in fraud.

There is a problem with your payment or package delivery.

A service will be stopped or a fine charged if you do not act now.

Protect Yourself

Steps you can take to protect yourself

These simple steps can help prevent scammers from stealing your money or personal information.

Never click on links in suspicious messages

Search for the website yourself or use the organisation’s secure, authenticated app or portal to check if the message is real.

Always do an independent check

Do not respond using the phone number provided in the text message. Call the organisation or person back using a phone number you found yourself, such as from their official website, app, or trusted listing.

Be careful with job offers by text

Be suspicious of any job offer sent by text, especially without an interview or proper discussion. Research the person or business offering the position and only contact them through independently verified details.

Check “new number” messages carefully

If someone you know messages saying they have a new number, try calling them on the existing number you already have. You can also ask a question only they would know the answer to.

Do not share codes or passwords

Never share one-time codes, banking passwords, wallet details, seed phrases, or identity documents through text message.

Think you've been scammed?

1

Act fast to stop any further losses

Contact your bank, card provider, exchange, or payment provider immediately. Ask them to stop any transactions where possible. Change passwords on your email, banking, crypto, and important online accounts.

2

Preserve evidence

Save screenshots, phone numbers, sender IDs, links, payment records, wallet addresses, emails, message history, and any names or company details used in the text message.

3

Report the scam

Once you have secured your details, report the suspicious contact so it can be reviewed and added to fraud intelligence records where appropriate.