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How to protect yourself from scams

What is a scam?

A scam is any fraudulent business, scheme or action that deceives a person out of something, but usually money.

As the security of banking channels is increasing, it is scams rather than fraud which present the greatest risk to your money.

If you are involved with a scam, you may be liable for any money lost.

Avoiding scams

Be aware of the following, so that you are less likely to fall victim to a scam:

  • Be immediately skeptical of anything advertised through social media, as these are very popular platforms for scammers
  • If an offer seems too good to be true, assume it’s a scam
  • If you do not fully understand an offer, request, or demand presented to you, contact us before proceeding
  • Regularly checking your account statements or accounts using the Banking App or Online Banking will help you track your transactions. If you spot any unusual activity on your account, make sure to call us.

Types of scams

The best way to avoid scams is to understand the different ways scammers will try and trick you out of your personal information, money or goods.

Here are some examples of the different types of scams to look out for and avoid:

Fraud Protection Scams

Sometimes scammers will actually pretend to be calling you from Police Credit Union about potential fraud on your account and may even place you on hold using Police Credit Union’s hold messages to deceive you about the authenticity of the call.  Remember, in a genuine call we will NEVER require banking information from you (e.g. card numbers, account numbers or passwords) and if you have any doubt at all HANG UP and call us ASAP on 1300 131 844.

Flubot Scams (missed voicemails and delivery notifications)

These common scam text messages/SMSes feature information about missed calls, voicemails or deliveries from unrecognised numbers or contacts.

These text messages ask you to click on links to download an app to track or organise a time for a delivery or listen to a voicemail message. However, these are fake scam messages, there is NO delivery or voicemail, and the app is malicious software called Flubot.

NEVER click on a link on these messages, as you will often be redirected to a new website page that looks like an official brand, where you will then be prompted to install software on your phone to listen to the fake voicemail message.

If you agree to install the file, the malware will install and if permissions are granted – the hackers/scammers can gain access to your credit card details, personal information, text messages, browser and any other information that is held on your device.

Important: Android phones and iPhones can both receive text messages from the Flubot.

Read more

Find out more

To find out more information about the current scams that are out there, check out the government website, Scam Watch

Read more about the security of your money with Police Credit Union and how we protect you.

Get in touch

If you notice suspicious behaviour, unusual activity, a possible security threat on your account, or have any concerns, please notify us:

During business hours: 1300 131 844
After hours: 1300 131 844 and press 2 (to cancel a card)
If you are overseas: +61 2 8299 9101
Email us at [email protected] or visit us in branch

How can we help?