We all think we can easily spot a scam and will not fall victim to fraudsters, but it can happen to anyone.

To keep you informed, we have provided information on some of the most common types of frauds and scams that you will encounter, together with practical tips on how to protect your identity, accounts and funds from fraudsters. After all – prevention is better than a cure. Here are some general tips on how to protect yourself against fraud:

• Notify us as soon as possible when you change your address or contact details.
• Always check your statements carefully and report any unauthorised transactions to us immediately.
• If you receive a telephone call from a person claiming to be a staff member requesting your PIN, password or card number, do not disclose any information. Read more under.
• Never reply to any emails asking for personal or account information. We will never send you an email asking you to confirm account details. Read more under.
• Remember that if something offered to you sounds too good to be true, it usually is. .
• Store your cheque book in a safe place, and make sure you complete cheques fully.
• Safeguard your card and PIN at all times.
• Ensure you keep up to date anti-virus and anti-spyware software installed on your computer.
• Ensure that you follow our safety tips when accessing mobile banking from your smartphone.

There are many more important safeguards to protect you and your family against fraud. For more information on the latest fraud prevention methods, go to the Australian Government website staysmartonline.gov.au.