Is this text or call from ANZ a scam?
Banks are the most impersonated organisations in Australian scams, and ANZ is no exception. A text, email or phone call that looks like it's from ANZ can be genuine — but it can just as easily be a scam built to look identical. The good news: a few quick checks almost always tell a real ANZ message from a fake.
Genuine ANZ links only ever go to anz.com.au, anz.com. Below is exactly what a real ANZ message looks like, the scams currently circulating in its name, the red flags that give a fake away, and a real example to compare against. Got a message in front of you? Check it now for an instant verdict.
ANZ reported customer scam losses fell 15% between October 2024 and June 2025, and that it prevented or recovered more than $100 million in scam and fraud funds. Source: ANZ Newsroom
What a real ANZ message looks like
Genuine SMS from ANZ typically arrive under the sender ID ANZ, and real links only ever go to anz.com.au, anz.com.
- SMS messages only come from the exact sender ID 'ANZ'
- ANZ never sends a link in an SMS asking you to log into internet banking
- Genuine ANZ emails only come from addresses ending in @anz.com.au or @anz.com
- ANZ will never ask for your full password, customer registration number or one-time codes via SMS or email
- Real ANZ messages about your account are sent only after you have initiated contact or a transaction
Crucially, ANZ will never ask you to move money to a 'safe account', read out a one-time SMS code, or install remote-access software like AnyDesk or TeamViewer.
Common ANZ scams
- SMS claiming your ANZ internet banking has been locked and directing you to click a link to 'unlock' it
- Messages pretending to be from ANZ security saying suspicious activity was detected on your card and urging immediate login
- Texts that appear to be from ANZ asking you to confirm a large transfer you supposedly just made
Red flags to watch for
- The message arrives from any sender ID other than 'ANZ'
- The text contains a link to any domain that is not anz.com.au or anz.com
- The message asks you to enter your full password or customer registration number
- The message creates urgency by claiming your account will be frozen unless you act immediately
- The sender uses an email address that does not end in @anz.com.au or @anz.com
Scam text examples
Here's a real example of a scam message impersonating ANZ, with the tell-tale red flags highlighted. Compare it against anything you've received.
ANZ: Your internet banking access has been temporarily suspended for security. Verify your details now at anz-secure-login.com.au to restore access.
What gives it away:
- The message arrives from any sender ID other than 'ANZ'
- The text contains a link to any domain that is not anz.com.au or anz.com
- The message asks you to enter your full password or customer registration number
- The message creates urgency by claiming your account will be frozen unless you act immediately
- The sender uses an email address that does not end in @anz.com.au or @anz.com
Not sure about your message?
Paste the suspicious ANZ text or email and get an instant scam verdict, free.
How to verify a message from ANZ
- Call ANZ on 13 13 14
- Log in via the ANZ app or anz.com.au typed manually
Where to report a scam impersonating ANZ
Received — or fell for — a message impersonating ANZ? Report it. It helps authorities and carriers shut the campaign down for everyone who gets the next one.
- ANZ scam alerts — ANZ's own page on current scams and how to report one.
- Scamwatch — Report the scam to the ACCC's national scam service.
- ReportCyber — Report cybercrime and financial loss to the police.
- ACMA — Report scam texts and spam SMS or calls.
- Forward to 7226 (SPAM) — Forward the scam SMS to short code 7226 so your carrier can block the source.
- IDCARE — Free identity and cyber support if your details were taken.
Frequently asked questions
I got a text from ANZ with a link — is it a scam?
Yes. ANZ never sends SMS links asking you to log into internet banking. Delete the message and report it to Scamwatch at scamwatch.gov.au.
How do I know if an ANZ email is real?
Check the sender address ends in @anz.com.au or @anz.com, and never click links. Instead type anz.com.au yourself or open the ANZ app.
ANZ just texted asking for my customer registration number — is that normal?
No. ANZ will never request your full password or customer registration number by SMS. Treat it as a scam and forward the message to 7226.
Related scam types
Scams impersonating ANZ usually fit one of these patterns. Learn how each works:
Related brands
Other bank names scammers impersonate — check a message from one:
This guide is general information, not legal or financial advice — always verify with ANZ through an official channel.