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Been scammed?Start here.

Three quick questions, then your steps in order: who to call first, what to say, and what to do today and this week. Takes about two minutes.

Anonymous. No account, no name or email.Nothing you type here is sent anywhere, and nothing is kept unless you choose to keep your plan.

Only gave out a login, a code or ID details? . Helping someone else? .

What you'll get

Who to call first
The bank, card company or service that handled the payment, on its official number.
What to say
The words for the call, and a letter to put it in writing.
Your next steps
What to do now, today and this week, one at a time.

General information only, not financial counselling, financial advice or legal advice.

Prefer to talk to someone?

  • IDCARE

    Free identity and cyber support

    1800 595 160
  • ReportCyber

    Cyber Security Hotline, any time

    1300 292 371
  • Lifeline

    24/7 crisis support

    13 11 14
  • 1800RESPECT

    24/7 family and sexual violence support

    1800 737 732

This is general information, not financial or legal advice. Rules vary by state and change over time. A registered financial counsellor can check your options properly. Free, independent, confidential. National Debt Helpline 1800 007 007.

Where this comes from

The numbers, time limits and rights on this page are read from TEKVA's rules library, where each one carries its source and the date it was checked. Every source below was checked on 22 October 2026 or later.

The sources, one by one
  • AFCA, Receiving Banks and Unauthorised Opening of Accounts
  • AFCA Rules (effective 12 March 2026)
  • Moneysmart, What to do if you've been scammed
  • ACCC Scamwatch, What to do if you've been scammed
  • Moneysmart, Report an investment scam
  • ACCC Scamwatch, Jobs and employment scams
  • Australian Federal Police, AFP implores #DontBeAMule in new campaign against money laundering (media release, 3 December 2020)
  • Australian Federal Police, Australian police warn university students about money muling #DontBeAMule (media release, 19 February 2024)
  • ACCC Scamwatch, Relationship scams
  • ACCC Scamwatch, Account or identity takeover scams
  • Australian Cyber Security Centre, Recover from scams
  • Scamwatch, What to do if you've been scammed
  • Services Australia, Help if a scam or identity theft has affected you
  • Moneysmart, Banking scams
  • AFCA, Scams Prevention Framework
  • ASIC, Scams Prevention Framework
  • Moneysmart, Crypto scams
  • ACCC Scamwatch, Investment scams
  • ACCC Scamwatch, Payment demanded by gift card? It's a scam
  • ACCC Scamwatch, Stop. Check. Protect.
  • Steam Support, Gift Card Scams
  • Google Play Help, What to do if you're a victim of a Google Play gift card scam
  • Woolworths and Partner Gift Cards terms (Everyday Gifting)
  • Coles Gift Mastercard Conditions of Use (issued by Indue Ltd)
  • AFCA, Banking deposits and payments complaints
  • Competition and Consumer (Scams Prevention Framework—Regulated Sectors) Designation 2026 (F2026L00627)

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Financial counselling at TEKVA is delivered by an FCAN-registered Financial Counsellor. Financial capability support is provided by a Financial Capability Worker, whose scope is capability support only — no credit advice or creditor negotiation. Credit advice and creditor negotiation sit with our Financial Counsellor. We also provide practical support and referral coordination, and connect people with crisis services where they need them. We do not provide AFSL-licensed financial product advice, legal advice, or insolvency advice. Where another service is the better fit, we'll help connect you with community services, tenancy help or specialist legal support.

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