Scams Awareness
Scams are becoming more sophisticated and harder to spot — and unfortunately, anyone can be targeted. At Cairns Bank, your safety and financial wellbeing are our top priority. We’re here to help you recognise the warning signs, protect yourself, and know what to do if something doesn’t feel right.
Scams
There is an increase in online scams targeting bank customers, and we want to ensure your safety and security.
How to identify a scam
Phishing emails
Be cautious of emails claiming to be from the bank, especially if they ask for personal information or direct you to click on suspicious links.
Fake websites
Double-check the website URL before entering any login details. Scammers often create fake sites that look like the bank’s official page to trick users.
Unexpected calls
The bank will never call you to ask for sensitive information such as passwords or PINs. If you receive an unexpected call requesting this, it’s likely a scam.
Urgent threats
Scammers may create a sense of urgency, claiming your account is at risk and pressuring you to act quickly. Take your time and verify the information independently.
How to protect yourself
You can reduce your risk of being scammed by taking simple precautions:
- Keep your details secure – Never share your banking login, passwords, or verification codes with anyone.
- Be alert to suspicious messages – Don’t click on links or open attachments in emails or texts from unknown senders.
- Verify before you pay – Double-check payment details and confirm requests directly with the business or person through official contact channels.
- Use strong passwords – Create unique passwords and enable two-factor authentication where possible.
- Stay informed – Scams are constantly evolving, so stay up to date through trusted resources like Scamwatch and the ACCC.
Cairns Bank actively monitors transactions for unusual or suspicious activity and may contact you if we detect anything that appears unusual. However, Cairns Bank and our Financial Bureau, Indue, will never contact you to ask for your internet banking login details or personal passwords.
What to do if you think you've been scammed:
Contact Cairns Bank immediately to secure your account.
Change passwords for affected services.
Report the scam to official agencies.
Warn friends and family so they can be cautious too.
Types of Scams
Scammers use a variety of tactics to deceive people. Here are some of the most common:
Investment Scams
These scams promise high returns with little or no risk, often involving cryptocurrency, foreign exchange, or online trading platforms. Scammers may pressure you to act quickly or make “exclusive” offers. Remember, if it sounds too good to be true, it probably is.
Phishing scams
Fake emails, text messages, or websites pretending to be from your bank, government agency, or another trusted organisation. Their goal is to steal login credentials, personal information, or even install malware on your device. Always double-check sender addresses and never click on suspicious links.
Impersonation scams
Calls or messages from someone claiming to be from a government agency, tech support, or even Cairns Bank. Scammers often use fear tactics, threatening fines or account closures to make you act quickly. Cairns Bank will never ask for your PIN or password.
Romance scams
Scammers build fake online relationships on dating apps or social media to gain your trust before asking for money. These scams can be emotionally manipulative, and victims may lose significant sums. Always be cautious of requests for financial help from someone you’ve never met in person.
Invoice and business email scams
Fraudulent requests that appear to come from suppliers, colleagues, or business partners. Scammers may request urgent payments to new bank accounts or redirect invoices. Always verify payment instructions directly with the business or colleague before transferring money.
Online shopping scams
Fake websites, social media ads, or online marketplaces promising products that either don’t exist or never arrive. Scammers may also steal your payment details. Stick to reputable websites and check reviews before making online purchases.
Official Resources
For reliable information and updates about scams in Australia, visit these official sources: