As a customer you may be seen as a potential target for fraudulent activities. However by arming yourself with information and tools you can protect yourself from becoming a fraud victim.

Do you know the four biggest fraud threats you face?

Electronic fraud

Email scams and fake websites

A number of Internet users have received emails claiming to be from financial institutions or other legitimate organisations.

Some emails inform the recipient that their security details and passwords need to be updated by logging into an authentic looking, but fake website. The purpose of these websites is to obtain your log on details such as your Personal Identification Number (PIN), User ID, and password to your Internet bank accounts.

Others may communicate security messages or attachments for you to download. If the email is from an unknown source, or if you are suspicious of the nature of the email, delete it immediately. Do no open any attachments or install any programs provided.

To ensure you are always viewing and transacting on a legitimate ANZ site, always access ANZ Internet Banking by typing the “” into the address bar. Never access Internet Banking by clicking on links provided in an email.

If you have any concerns, contact the ANZ Internet Banking Support Centre in your country.

Scam email

This is an example only; the content and look of the emails change.

Job Scams

ANZ warns our customers and members of the public to be wary of various job scams advertised via the Internet.

Bogus overseas companies have been targeting unwitting victims to act as ‘money transfer agents’ in the sale of goods and services via methods such as job advertisements, unsolicited emails and online chat rooms.

‘Employees’ are asked to use their own bank accounts to transfer money overseas.   In most cases, victims are instructed to send these funds abroad, and are promised a percentage of the transfer as commission.

The job advertisement websites look very professional and convincing. Please note some job advertisements contain trojan horses that allow the job advertiser to access the person’s computer and collect their personal details, including bank account details. Exercise extreme caution if you receive an email from any person or company asking for your personal and banking details.

Finally, if it sounds too good to be true it probably is.

Identity theft

Identity theft is where a dishonest individual or syndicate will gather your personal details in order to gain financial or other benefit, often leaving the owner of that identity in large debt, a negative credit history, and in some cases with legal implications.

Your information can be obtained in many ways:

The following can be used to assume your identity:

How you can help protect your identity:

Credit/debit card fraud

There are several ways that fraud can occur on your credit card or debit card account.

"Skimming" is a technique where information stored on your card’s magnetic strip is stolen when your card is swiped during a sales transaction. Thieves are then able to reproduce fake cards using your stolen details. Once completed, fake replicated cards can be used to make purchases with your credit line.

Dishonest merchants can not only "skim" your card, but can also process unauthorised duplicate transactions using your card details.

Cards can also be lost or stolen by a third party during transit to your house. To protect you from this, you will receive your ANZ Card and PIN separately. Only one will be posted to you, and the other will be available for collection at your local branch.

Credit or debit card fraud can also occur when your card is lost or stolen and used by a third party to purchase goods or to withdraw cash from the card. It is important that you report any lost or stolen cards to ANZ immediately so that you can be issued with a new card number.

Protect your credit / debit card

Cheque fraud


Cheque fraud is the use of a cheque to obtain financial advantage by:

Cheque fraud can be conducted by internal and external parties to your accounts.

How to protect yourself from cheque fraud

Reconcile your account

Signing of cheques


Ordering and maintaining cheques


Protection of cheques

What to do if you suspect that you are a victim of cheque fraud

If you suspect that you are a victim of cheque fraud or any other type of fraud, or if you detect an irregularity in your account reconciliation, you must contact ANZ immediately.

Product Disclosure Statements & Terms and Conditions

It is important that you are aware of your rights and responsibilities with respect to your accounts. Further information can be found in the relevant Product Disclosure Statement or Terms and Conditions.