General guidance only. For real incidents, contact your bank or local authorities.
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Recovery playbook

Report a scam & next steps

Four simple steps. Start at the top — do as many as apply.

  1. 1

    Stop

    • • Don't reply, click, or call any number from the message.
    • • Take a screenshot, then don't act on the message again.
    • • If someone is on the phone with you right now — hang up.
  2. 2

    Secure

    • • If money was sent → call your bank's fraud line (number is on the back of your card).
    • • If ID details were shared → call IDCARE on 1800 595 160 (AU/NZ, free).
    • • Change passwords for any account that uses the same email/password.
    • • Turn on 2-factor authentication where you can.
  3. 3

    Report

    Scamwatch (ACCC)

    scamwatch.gov.au — report and read alerts.

    ReportCyber

    cyber.gov.au/report — Australian Cyber Security Centre.

    SMS spam line

    Forward the SMS free to 7726 in Australia.

    eSafety Commissioner

    esafety.gov.au — for harassment, image-based abuse.

    ATO scam line

    1800 008 540 — for ATO/tax-themed scams.

    OMARA

    mara.gov.au — report unregistered migration agents.

  4. 4

    Recover

    • • Tell someone you trust — it helps emotionally and they can spot follow-up scams.
    • • Watch your accounts and credit report for 90 days.
    • • Save this site and share it with parents, kids, or new arrivals.

Copy-ready report template

Use this when emailing your bank, university, or employer about a scam attempt.

Subject: Scam report

Hello,

I would like to report a suspicious message I received.

- Date received:
- Channel (SMS / email / social / other):
- Sender (number, email, username):
- Message content:

What I did:
- [ ] Did not click any link
- [ ] Did not reply
- [ ] Did not share information
- [ ] I clicked a link / shared info (please advise next steps)

Thank you.

Emergency

In immediate danger or if a crime is happening now, call 000 (AU). For non-urgent police reports, call 131 444.