Phishing Scam

Penipuan phishing adalah upaya penipu untuk mengelabui anda agar memberikan informasi pribadi seperti nomor rekening bank, sandi dan nomor kartu kredit anda.

Bagaimana cara scam bekerja?

Scammer akan menghubungi anda dan berpura-pura berasal dari bisnis yang sah seperti bank, telepon atau penyedia layanan internet. Anda mungkin dihubungi melalui email, media sosial, telepon, atau pesan SMS.

Petunjuk untuk mengetahui email bohong

• Scammer meminta anda untuk memberikan atau mengkonfirmasi rincian pribadi anda. Misalnya, scammer mungkin mengatakan bahwa bank atau organisasi memverifikasi catatan pelanggan karena kesalahan teknis yang menghapus data pelanggan. Atau, mereka mungkin meminta anda untuk mengisi survei pelanggan dan menawarkan hadiah untuk berpartisipasi.

Alternatively, the scammer may alert you to 'unauthorised or suspicious activity on your account'. You might be told that a large purchase has been made in a foreign country and asked if you authorised the payment. If you reply that you didn't, the scammer will ask you to confirm your credit card or bank details so the 'bank' can investigate. In some cases the scammer may already have your credit card number and ask you to confirm your identity by quoting the 3 or 4 digit security code printed on the card.

Phishing messages are designed to look genuine, and often copy the format used by the organisation the scammer is pretending to represent, including their branding and logo. They will take you to a fake website that looks like the real deal, but has a slightly different address. For example, if the legitimate site is 'www.realbank.com.au', the scammer may use an address like 'www.reallbank.com'.

If you provide the scammer with your details online or over the phone, they will use them to carry out fraudulent activities, such as using your credit cards and stealing your money.

Other types of phishing scams

   Whaling and spear phishing - the scammer targets a business in an attempt to get confidential information for fraudulent purposes. To make their request appear legitimate, they use details and information specific to the business that they have obtained elsewhere.
   Pharming - the scammer redirects you to a fake version of a legitimate website you are trying to visit. This is done by infecting your computer with malware which causes you to be redirected to the fake site, even if you type the real address or click on your bookmarked link.

Warning signs

   You receive an email, text or phone call claiming to be from a bank, telecommunications provider or other business you regularly deal with, asking you to update or verify your details.
   The email or text message does not address you by your proper name, and may contain typing errors and grammatical mistakes.
   The website address does not look like the address you usually use and is requesting details the legitimate site does not normally ask for.
   You notice new icons on your computer screen, or your computer is not as fast as it normally is.

Protect yourself

   Do not click on any links or open attachments from emails claiming to be from your bank or another trusted organisation and asking you to update or verify your details – just press delete.
   Do an internet search using the names or exact wording of the email or message to check for any references to a scam – many scams can be identified this way.
   Look for the secure symbol. Secure websites can be identified by the use of 'https:' rather than 'http:' at the start of the internet address, or a closed padlock or unbroken key icon at the bottom right corner of your browser window. Legitimate websites that ask you to enter confidential information are generally encrypted to protect your details.
   Never provide your personal, credit card or online account details if you receive a call claiming to be from your bank or any other organisation. Instead, ask for their name and contact number and make an independent check with the organisation in question before calling back.

Have you been scammed?

If you think you have provided your account details to a scammer, contact your bank or financial institution immediately.

We encourage you to report scams to the ACCC via the report a scam page. This helps us to warn people about current scams, monitor trends and disrupt scams where possible. Please include details of the scam contact you received, for example, email or screenshot.

We also provide guidance on protecting yourself from scams and where to get help.

Spread the word to your friends and family to protect them.