Ways to keep yourself safe

Learn how to recognise fraud and scams, and ways you can keep your account and personal details safe online.

Things to watch out for

Inheritance scam

You'll be told that you're the heir to a substantial sum of money from a long lost relative overseas, but the money's tied up due to unpaid taxes, or something similar, where fees must be paid to release the money.

They may even provide you with 'authentic' documentation as proof the inheritance is genuine, and may ask for funds to be sent to them via money transfer agents like Western Union or MoneyGram.

Charity scam

The offender will tell you they're fundraising for someone who's unwell and requires a sum of money for lifesaving medical treatment, or in response to a natural disaster, or any other type of fundraising for those in need.

The offender may say they have money but it's tied up in legal proceedings and they need funding to have it released or to sort the legal matter. They say the money will be returned to you once theirs is released, which never happens.

Lottery scam

You'll be told you've won a large sum of money in a lottery. The latest approach is to make contact and advise that you've won some money, but not enough to justify them sending it to you. Instead, they'll offer to invest the money in more lottery tickets, then call back and advise that those tickets have won you a prize of millions.

They may send you false documentation to support their claims. They'll then ask you to send money.

Money mule

Most fraudsters are located overseas. It isn't easy to make transfers online out of New Zealand bank accounts from overseas, so a 'money mule' or 'money transfer agent' is needed to launder the funds obtained in phishing and Trojan scams.

Money mules receive fraudulently gained funds into their accounts, then withdraw the money and send it overseas using a wire transfer service. They're paid a commission for their role in the scam.

Helpful resources

Report a suspicious activity

If you think your identity or accounts may have been compromised, please contact us immediately.

We'll never ask you to disclose your internet banking login details by email, text or by clicking on a link within an email or text message. If you think you’ve been sent an email or text message that doesn’t look like it’s from us, don't respond or click on any links – please forward it to suspicious.email@kiwibank.co.nz.