Where to get help

If you've lost money to a scam or given out your personal details to a scammer, you're unlikely to get your money back. However there are steps you can take straight away to limit the damage and protect yourself from further loss.

Contact your bank or credit union

If you've sent money or personal banking information to a scammer, contact your bank or credit union immediately. They may be able to stop a money transfer or cheque, or close your account if the scammer has your account details. Your credit card provider may be able to perform a 'charge back' (reverse the transaction) if your credit card was billed fraudulently.

If you're not sure if you're being scammed, stop sending money. Scammers will keep asking for more money until you stop.

Recover your stolen identity

If you suspect you are a victim of identity theft, it is important that you act quickly to reduce your risk of financial loss or other damages.

You can:

  • contact iDcare - a free government-funded service which will work with you to develop a specific response plan to your situation and support you through the process. Visit the iDcare website or call 1300 IDCARE (432273)
  • apply for a Commonwealth Victims' Certificate - a certificate helps support your claim that you've been the victim of identity crime, and can be used to help re-establish your credentials with government or financial institutions. Visit Victims of Commonwealth identity crime

Report scams to the authorities

By making a report to the appropriate agency, you help them identify scammers and warn other people about the scam.

Type of incidentAgency
BankingYour bank or financial institution

Cybercrime

Australian Cybercrime Online Reporting Network
Financial and investment scamsAustralian Securities and Investments Commission
Fraud and theft

Your local police - call 131 444

In Victoria call your local police station

SpamAustralian Communications and Media Authority
Tax related scamsAustralian Taxation Office
Other scamsACCC via Scamwatch

Alert others to the scam

If the scammer first made contact through a website, social media, by email or phone, contact the relevant company with the scammer’s details. Your report will help them take action to disrupt scams.

You should also warn your friends and family. If you’re a small business, let your industry association or other business contacts know about the scam.

Change your online passwords

If you think your computer or device has been hacked, you should run a full system check using a reliable virus checker. Once this is complete, you should change all your online passwords that you have used from that computer.

If you think one of your online accounts (e.g. your bank account, email, online shopping account or social networking site) has been compromised, you should change your password immediately. Most reputable websites provide step-by-step instructions for how you can recover a hacked account.

Contact your local consumer protection agency

While the ACCC is the national agency dealing with general consumer protection matters, state and territory agencies may also be able to assist you.

Contact a counselling or support service

If you or someone you know has been scammed, please talk to your GP, local health professional or someone you trust. You could also contact one of the following counselling or support services.

  • When you need support in a crisis, contact Lifeline on 13 11 14 (24/7) or visit www.lifeline.org.au
  • For information about depression or anxiety, contact beyondblue on 1300 22 4636 or visit www.beyondblue.org.au
  • Free professional telephone and online counselling for anyone affected by suicide. Suicide Call Back Service: 1300 659 467
  • Telephone and online counselling and support service for young people aged between 5 and 25 years. Kids Helpline: 1800 55 1800
  • Telephone and online support, information and referral service for men with family and relationship concerns. MensLine Australia: 1300 78 99 78

Avoid follow up scams

Scammers will often try to take advantage when you’re feeling vulnerable and try to extract more money from you through a follow up scam. For example, a scammer may say they are from a law enforcement agency and will investigate your case for a fee. Or they may contact you with a completely different scam. Be alert to follow up scams at all times.

More information

Protect yourself from scams

Scamwatch role

Report a scam