ANZ scam message examples
Example scam messages
ANZ: Your internet banking has been locked after multiple failed sign-in attempts. Unlock your access now at anz-unlock-access[.]example or it will be permanently suspended.
What gives it away:
- ANZ states it won't send a text with a link to log into internet banking, so the link is the giveaway before you even read the domain
- The domain is a hyphenated lookalike, not anz.com.au or anz.com
- The 'permanently suspended' threat manufactures panic; a genuine lockout is resolved in the ANZ app or on a call you make yourself
ANZ: You have successfully scheduled a transfer of $4,900 to a new payee. If this was NOT you, call our fraud line on 0400 000 000 immediately.
What gives it away:
- The 'fraud line' belongs to the scammer; only ever call ANZ on the number on the back of your card or in the ANZ app
- The invented transfer exists purely to make you panic; open the ANZ app yourself and you'll see no such payment
- A convincing sender ID proves nothing, because 'ANZ' can be spoofed
Subject: Action required: suspicious card activity. Dear Customer, we have detected unusual spending on your ANZ card. Review the transactions within 12 hours at anz-card-review[.]example or your card will be cancelled.
What gives it away:
- A generic 'Dear Customer' greeting where a genuine bank email addresses you by name
- The link goes to a lookalike domain rather than anz.com.au, and ANZ won't ask you to act on card activity through an emailed link
- A deadline plus a cancellation threat is the classic pressure combination; real card reviews don't expire in hours
How to check a message you've received
Never tap a link in an unexpected message. Instead, paste the text into the free message checker for an instant verdict, or check a suspicious link with the link & website checker. To verify directly, contact ANZ through its official app or the number on its real website — never the details in the message itself.
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Frequently asked questions
Is this ANZ message real or a scam?
The messages on this page are defanged examples of ANZ impersonation scams — real reported patterns, not genuine ANZ messages. To judge a specific message you've received, paste it into the free Scam Scanner checker for an instant verdict, or verify it directly through ANZ's official app or website.
How can I tell a fake ANZ message from a genuine one?
Genuine messages: Genuine ANZ SMS show the sender ID 'ANZ' — but scammers can spoof sender IDs, so judge the message itself, not the name it appears under. The examples below break down the tells that give a fake away — unexpected links, urgency, and requests for payment or details. If anything asks you to click a link or hand over information, treat it as suspicious until you've verified it independently.
What should I do if I already clicked a link or paid?
Act quickly: contact your bank, then follow the step-by-step recovery guide at /what-to-do. It walks you through who to contact — your bank, IDCARE and the right reporting channel — in the order that matters most.